Loans
Responsible lending with transparent terms — we never lend to a customer who cannot afford to repay.
Lending Products
Short-tenor, fully-digital loans for retail customers and working-capital facilities for MSME customers.
Quick Credit (salary-linked)
Working-Capital Loan
Asset Finance
Group / Cooperative Loan
All lending is subject to the Bank's Credit Policy, KYC verification, affordability checks, single-obligor limits, and Board-approved risk limits.
Credit Decisioning
Rigorous, fair, and data-driven assessment process.
Identity and KYC verification (BVN, NIN, document verification, biometric matching).
Bank statement and transaction-history analysis (with consent).
Affordability checks based on disposable income.
Bureau checks with at least two licensed credit bureaux.
Behavioural scoring informed by the customer's ValuePay account history.
Responsible Lending Pledge
- We will never offer a credit product to a customer for whom we have evidence of repayment distress.
- We will not contact a customer's personal contacts, employer, or social network for debt recovery.
- We will clearly disclose all fees, interest, and charges in naira terms at the point of offer.
- We will offer a no-fault grace period to customers in genuine hardship.
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