Simple, transparent pricing
Choose your plan
Personal
- Free savings account
- Loans up to ₦50,000
- Mobile banking app
- Basic financial literacy resources
- Community support
Business Starter
- Business current account
- Loans up to ₦500,000
- Payment collection tools
- Transaction history & reports
- Priority customer support
- Business advisory sessions
Business Growth
- Everything in Business Starter
- Loans up to ₦2,000,000
- Multi-user access for your team
- Advanced analytics dashboard
- Dedicated account manager
- Custom loan terms
- Invoice financing
Pricing questions, answered
No surprises, no hidden charges. Here's everything you need to know about how our pricing works, from loan interest to account fees.
What interest rates do you charge on loans?
Personal loans start at 2.5% per month (reducing balance), while business loans range from 2% to 3.5% depending on loan size and term. All rates are clearly disclosed before you accept any loan offer.
Are there any account maintenance fees?
Personal accounts are completely free with no maintenance fees. Business accounts have a flat monthly subscription (₦2,500 or ₦7,500) with no additional maintenance charges.
Can I switch plans or cancel anytime?
Yes. Business customers can upgrade or downgrade at any time, with changes taking effect on your next billing cycle. You can cancel anytime with no penalties, though active loans must be repaid according to their terms.
What happens if I miss a loan payment?
We understand that things happen. Contact us immediately if you're facing difficulty — we work with you to restructure payments when possible. Late fees are ₦500 per week overdue, capped at 10% of the outstanding balance.
Do you charge for cash deposits and withdrawals?
Personal accounts get 2 free cash withdrawals per month; additional withdrawals are ₦100 each. Business accounts get 5 free withdrawals monthly. Deposits at our partner agents are always free.
How do I qualify for higher loan amounts?
Build your credit history with us by repaying smaller loans on time. Business Growth plan members automatically qualify for larger amounts, and we review limits every 3 months based on repayment performance and business growth.