Help centre

Frequently asked

How do I apply for a loan?

Create an account, confirm your phone number, then complete identity verification. Once verified you will see the products you qualify for.

What will it cost?

Every product shows its interest rate, method and fees before you apply, and your offer shows the exact total repayable and instalment. Use the calculator for an illustration.

Why do you need my BVN or NIN?

We are required to verify who our customers are before lending. Your number is encrypted, visible only to staff who need it, and every access is logged.

What happens if I miss a payment?

After a short grace period a late fee applies and we will contact you. Talk to us early — we would much rather agree a plan than escalate.

How do I get a copy of my data?

Email us and ask. You can request a copy, ask for corrections, withdraw consent where it applies, or ask for a human to review an automated decision.

How do I complain?

Contact us using the details opposite. We will acknowledge your complaint and give you a reference number. If you are not satisfied with our response you may escalate the matter to the relevant regulator.