Micro Loan

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

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2 Loan details
3 Your details

1 Loan request

Requested loan amount

₦

Between ₦50,000 and ₦5,000,000.

Preferred repayment period

Repayment plan Flexible and full repayment are only available for 3 months or less.

Preferred repayment method

Purpose of the loan

Next, tell us about yourself. You can come back and change the loan details before you submit.

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2 Your personal details

We use these to confirm your identity. Your BVN and NIN are only used for identity and credit checks.

Full name

Phone number

Email address

Date of birth

Residential address

NIN Your 11-digit National Identification Number.

BVN Your 11-digit Bank Verification Number. Dial *565*0# to retrieve it.

3 Income

How you will repay: your salary, your business or another verifiable source.

Source of income

Describe your source of income

Employer or business name

Occupation / nature of business (optional)

Income level (amount per period)

₦

Frequency of income

4 Existing loans

Do you have any existing loans or repayment obligations?

No Yes

Total monthly repayment on existing loans

₦

Lender(s) (optional)

5 Account for disbursement

Where the loan should be paid if approved.

Bank

Account number

Account name

6 Before you submit

How did you hear about us? (optional)

I confirm the information in this application is true and complete. I authorise Thrivest to verify my identity (including my BVN and NIN), contact my employer, guarantor or referees where applicable, and obtain credit reports for this application, in line with the Terms & Conditions and Privacy Policy.

Submitting does not commit you to a loan. You will receive an offer to accept only if your application is approved.

Estimate

Loan amount-

Repayment period-

Est. monthly repayment-

Est. total repayment-

Processing fee (after approval)-

An estimate only, based on the repayment plan you choose. Your final terms are confirmed in your offer letter if approved.

Key terms

Loan amount: ₦50,000 to ₦5,000,000
Repayment period: 1 to 3 months
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.
Late payment: 10% of the unpaid amount for every full month it stays overdue, starting one month after the due date, compounding.
Rollover: 10% if you extend your loan by 1 month (once only).
Early repayment: You can repay early at any time. There is no discount for repaying early.

What you will need

Your BVN and NIN, and your bank account details. Documents are optional now - we will ask for anything else during verification.