Apply for a loan

Choose the financing you need. You will only be asked the questions that apply to it - most applications take about 5 to 10 minutes.

Short-term cash for salaried employees, repaid from your salary.

Financing for small and medium-sized businesses - working capital, contracts, invoices and asset-backed loans.

Small, fast loans for immediate needs, based on your salary, business or other income.

The key terms of each loan, set by Thrivest. Your exact total to repay and fees in naira are shown on your application and offer letter.

	Micro Loan	SME Loan	Salary / Payday Loan
Loan amount	₦50,000 to ₦5,000,000	Any amount we approve	Any amount we approve
Repayment period	1 to 3 months	1 to 12 months	1 to 12 months
Late payment	10% of the unpaid amount for every full month it stays overdue, starting one month after the due date, compounding.	2.5% of the unpaid amount for every full week it stays overdue, starting one week after the due date.	2.5% of the unpaid amount for every full week it stays overdue, starting one week after the due date.
Rollover	10% if you extend your loan by 1 month (once only).	Not offered	Not offered

For every loan

How you repay: Equal monthly instalments. Loans of up to 3 months can instead pay interest monthly with the loan amount in the final month, or pay everything in the final month.
Interest: Charged monthly on the amount you borrow. You see the total to repay before you apply, and it is confirmed in your offer letter.
Processing fee: A one-off fee, paid online once your loan is approved. The amount in naira is shown on your application and on your offer letter.
Early repayment: You can repay early at any time. There is no discount for repaying early.