Frequently Asked
Questions

The ₦100 charge is a one-time card verification fee. This standard industry practice ensures that the bank account and debit card linked to your profile are active and valid for future disbursements and repayments. This amount is often automatically refunded or credited to your account profile.

Once your loan is approved, disbursement typically takes between 5 to 25 minutes. In rare cases involving bank network delays, it may take up to 24 hours.

You'll need your BVN (Bank Verification Number), a valid government-issued ID, and a clear selfie for facial recognition verification. Business loan applicants will also need CAC registration documents.

Yes! Early repayment is encouraged and there are zero penalties for paying back before your due date. Early repayment can also improve your credit score and unlock higher loan limits.

We use AES-256 bank-grade encryption for all data transmissions. Your information is stored on NDPR-compliant servers and is never shared with third parties without your explicit consent.

If you miss a repayment, we'll send you a reminder notification. Repeated missed payments may affect your credit score and future loan eligibility. We recommend reaching out to our support team if you're experiencing financial difficulties — we're here to help find a solution.