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Smart loan

Smart loan banner

Cash-on-hand for unforseen circumstances as an overdraft or fixed loan.

Some of the benefits

Good terms

Up to 60 months to repay

Personalised

We customise a variety of facilities to your unique credit needs

Support

24-hour banking support through our customer care channels

Value

With our credit facilities, you can access affordable insurance from our trusted partners.
How to get it
  • You must have been with your current employer for six months or longer.
  • Your salary must be paid into an account held with us. 
  • You need to be permanently employed or be a contract worker at an approved company with valid contract terms.
  • You have to be a Nigerian citizen with permanent residency.
  • You should earn a minimum net monthly income of N20 000.
  • Must be 21 years or older (but not older than 60 years on expiration of the facility).
  • You must have a satisfactory credit bureau report.

 

What you get
  • A convenient way to manage cashflow in the event of shortfalls
  • Get access to funds when you need it with just your investments. You pay interest only on funds utilized.
  • Up to 60 months to repay your overdraft facility
  • Preferred rates on business insurance products 
  • Access to our 24 hours business support helpline
  • Full e-banking options, which include internet, mobile and USSD banking

 

What it costs
  • Only pay interest on the amount you use 
  • No account fees
  • Competitive interest rates 

See general pricing guide here

  • How to get it
  • What you get
  • What it costs
  • You must have been with your current employer for six months or longer.
  • Your salary must be paid into an account held with us. 
  • You need to be permanently employed or be a contract worker at an approved company with valid contract terms.
  • You have to be a Nigerian citizen with permanent residency.
  • You should earn a minimum net monthly income of N20 000.
  • Must be 21 years or older (but not older than 60 years on expiration of the facility).
  • You must have a satisfactory credit bureau report.

 

  • A convenient way to manage cashflow in the event of shortfalls
  • Get access to funds when you need it with just your investments. You pay interest only on funds utilized.
  • Up to 60 months to repay your overdraft facility
  • Preferred rates on business insurance products 
  • Access to our 24 hours business support helpline
  • Full e-banking options, which include internet, mobile and USSD banking

 

  • Only pay interest on the amount you use 
  • No account fees
  • Competitive interest rates 

See general pricing guide here

We also offer
Max_Yield_SB_1163569575
MaxYield Account

Accelerate your savings with the option of partial withdrawals for emergencies along the way

Mobile App_SB_1152373208
Internet Banking

Get access real-time balances and statements, make payments, buy airtime top-up, redeem western union and manage your money without going into a branch