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Frequent Questions

How fast can I get my loan?

It only takes about 3-5 minutes to apply. Once your application has been approved, we move fast to get you your cash.

We aim to have your funds in your bank account as soon as possible after your loan has been approved.

How soon after my last loan can I get another loan?

Straight away, so long as you’ve repaid your last loan in full and continue to meet our lending criteria.

Why was my application declined?

We need to ensure that we can confirm your identity, and that you can comfortably pay back the loan.

If we were unable to lend to you this time, it is because we take our responsible lending practices seriously.

We are always happy to have a look at your application, particularly if your circumstances have improved.

How much will you lend me?

We will always try to ensure that we’re only lending an amount you can afford to repay.

Our lending criteria take a number of factors into account before deciding the amount we’re able to lend you. These include income, expected living costs, and your Loan Direct rating.

How is my information stored and protected?

Your privacy and security is important to us. We use products that are the best of the best in the online security business.

We follow the same standards as banks and other online payment companies to ensure your safety and security.

All information is entered through a Secure Socket Layer (SSL), which means an encrypted connection is created between your system and ours, and it's always kept that way.

Who is eligible for a loan?

You must be:

  • A Nigerian resident
  • Over 18 years of age
  • Have a viable source of income 
How can I apply for a loan?

it’s super simple. Just hit Get started button, fill in your info, request for your desired loan, The application should only take you about three minutes!

The process is paperless and you’ll receive a quick decision. You sign electronically and then you’ll receive the cash in your account. It’s that simple.

What is the interest rate?
How do I make my repayments?

Repayments are set up to be really easy. When you apply, we set you up with a customised direct debit schedule that is aligned with your pay cycle.

Once your loan is paid back in full, the direct debits will stop.

What happens if I have overdue payments?

If your account is not up to date by the last day of the month, we’ll charge you an overdue account fee of . Your total repayments may be higher as the interest will be calculated on your daily outstanding balance.

We will contact you whenever your payments are behind to understand your situation and try to come to an arrangement.

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