You must be in a paid employment
Your age should be between 18 and 58 years
You must have an active salary account
You must have a clean Credit Bureau Report

1 Recent Passport Photograph
A valid means of Identification - International Passport, Drivers Licence or National ID card
Employee ID Card
NUBAN Cheques and Direct Debit Mandate
Salary bank statement for the last 6 months OR 12 months bank statement for SME loans.
Proof of business and residential address - SME loans only

Our minimum loan amount is XXXXXXX and the upper limit for a new customer is N2,500,000. Both depends on borrowers capacity to repay based on verifiable income level and other selection criteria.

Yes, you can extend an existing facility loan tenor through a Top-up. (Please confirm this) As an existing customer, you can access a maximum tenor of 12 months (as an individual).

A top up is returning/increasing the balances on an existing loan facility. The existing facility will be liquidated in order to process a new loan, as you cannot have two loans running simultaneously. The amount of money receivable (the difference between the New Principal and Unpaid Principal on the Existing Loan) will be communicated and disbursed into your account of choice.

You can top up on your existing loan after you have made 2 payments on your existing 3 month loan, 4 payments on your existing 6 months loan and 6 payments on your 9 months loan and 9 repayments on a 12 months loan without a default. You will also need to provide your updated bank statement and issue new postdated cheques.

You cannot have more than one loan at a time, but you can apply for a top up loan after three repayments on your existing loan.