Licensed money lender · ICAN member firm
The loan you need, made simple.
Loans for everyday needs, business and school, from ₦5,000 to ₦5,000,000 with no collateral. You see the monthly repayment, every fee and the total before you accept, and your limit grows each time you repay on time.
Loans at a glance
- Range
- ₦5,000 to ₦5,000,000
- Rates
- From 5%/mo flat
- Processing fee
- 3% of the amount
- Collateral
- None, ever
The products
A loan for your situation
Pick the loan that matches your need: each one shows who it is for, its amounts, months and rate below, and the app guides you to the right one.
| Product | Maximum | Rate | Tenure | |
|---|---|---|---|---|
| Salary Advance loan | ₦5,000,000 | 5%/mo | 1 to 6 months | Details Salary Advance |
No hidden fees: the 3% fee is shown before you accept · Repay early: no future interest, a 2% early-payoff charge · A late payment adds 10% of what is unpaid after 2 days free, and again each month it stays unpaid
Get started
How borrowing works
Sign up
Your phone number, BVN and a PIN: the whole sign-up takes about two minutes.
Choose amount & tenure
See the monthly repayment, interest and dates before you confirm with your PIN.
Get paid
Once approved, the money goes straight to your wallet; move it to your bank any time. Repay from the app, early if you like.
FAQ
Questions, answered
How fast can I get a loan?
As soon as your checks are done, your offer shows in the app. Some loans need a review by our team first. Once approved, the money goes straight to your wallet.
What do I need to qualify?
A valid BVN, a bank account in Nigeria and a phone number. No collateral and no paperwork. Loans above ₦100,000 need 1 guarantor, who confirms with a code sent to their own phone.
What are the interest rates?
Flat monthly rates: 5% a month on every loan, shown in full before you sign.
Can I repay early?
Yes, any time. 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.
What documents do I need?
Your BVN and NIN, a live selfie, a valid ID, your work or business details with a recent bank statement, and the guarantors your loan asks for. You complete them once, in the app.
How do I repay?
Keep money in your wallet before each due date and the instalment is taken from there. You get a reminder before every due date.
What happens if I pay late?
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. Tell us early if you will struggle: we would rather help you plan.
Your next loan is a few taps away.
Open your GDI Credit account and see your offer in the app. No collateral. No queues.
Get started free