The legal stuff, readable.

You borrow a stated amount at a flat monthly rate shown before signing: 5% a month, flat, on the amount borrowed. Instalments are due monthly on the dates in your schedule. If a payment is late, the first 2 days are free. From day 3, 10% of what is unpaid on that payment is added, and again each month it stays unpaid. Late payments may be shared with licensed credit bureaux, as the law allows. Pay everything early at any time: what is left of the amount borrowed, this month's interest, 2% of what is left, and any unpaid fees. The interest for later months is cancelled. Loans are governed by Nigerian law.

We collect only what lending requires: identity (BVN, NIN, ID), contact details, device data and transaction history. Your BVN verifies who you are; it cannot move money. Data is encrypted, never sold, and shared only with regulators, credit bureaux and processors under contract.

Interest: 5% a month, flat, on the amount borrowed. Processing fee: 3% of the amount, added to your monthly repayments, always shown before you accept. If a payment is late, the first 2 days are free. From day 3, 10% of what is unpaid on that payment is added, and again each month it stays unpaid. Pay everything early at any time: what is left of the amount borrowed, this month's interest, 2% of what is left, and any unpaid fees. The interest for later months is cancelled. Wallet withdrawals: ₦10 under ₦10,000, ₦50 from ₦10,000. Bills: any convenience fee is shown before you pay.

We confirm your complaint at once and give you a reference, such as CMP-000231. We aim to resolve it within 24 hours, and at the latest within 48 hours. If a case is complex, we tell you in writing why we need more time. It is never more than 14 days. Not happy with our answer? Reply in the app and a senior manager looks at it again.

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GDI Credit · Licensed money lender · NDPA compliant · ICAN member firm · PCI-DSS Level 1