Nigeria
Smart loan
Cash-on-hand for unforseen circumstances as an overdraft or fixed loan.
1 - 5 years
Tenor
N20 000
Minimum loan amount of
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
MaxYield Account
Accelerate your savings with the option of partial withdrawals for emergencies along the way
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