Companies

Loan terms

• The salary advance loan requires salary earners with minimum net monthly salary of N100,000
• The small ticket personal loans requires salary earners with minimum net monthly salary of N150,000

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• Current tax clearance certificate
• Last 3 years audited statement of account or statement of affairs required
• Consent to mortgage of the landed property being pledged as security for the loan

Loan terms

• Formal Application on letterhead and duly completed loan application form.
• Photocopy of Certificate & Form of Registration
• Business Plan which includes detailed Profile of the Business Enterprise with Curriculum Vitae of the key Management Staff
• Proforma invoice for the items of Equipment to be purchased
• Sources and quotations for Raw Materials expressed in quantity and amount
• Means of Identification of Promoters (a) Four (4) passport photographs and Biometrics Verification Number (BVN), (b) Photocopy of International Passport or Driver’s License or National Identity Card or Permanent Voter’s Card
• Bank Statement of the Business Enterprise for a period of one (1) year (for existing business)
• Declaration of Outstanding Liabilities to other Banks and Individuals, if any
• Two Individual external guarantors with proper means of identification such as BVN, four (4) passport photographs, Identity Cards and Letter of Intent to guarantee the loan

Loan terms

• To access the loan facility You must have a business
• The location must be within our bank’s lending area (Lagos state, Oyo state and Ogun state)
• It must have been in existence within a specific period

Loan terms

• Applicants must be 18 years and above
• Must live and work in Lagos State
• Must be employed with salary/self-employed with a monthly income

Loan terms

• 18 + years old
• Nigerian citizen
• Your account must be older than 1 month with BVN and KYC done to be able to request for cash

Loan terms

• Identity Card
• Employment Letter and Last Salary Review Letter
• Valid means of ID ( National ID Card, Voters card, Driving license and International passport)
• 3 months stamped bank statement (Up to Date)
• Pension Statement(For current account holders)
• Postdated Cheques Covering Loan Tenor
• Bank Verification Number
• Signed and updated Direct Debit Mandate

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• You should be between 22 and 55 years
• Applicant must live and/or work in Lagos State
• Be employed (for at least 6 months) and get paid into your bank account
• Have a good credit history
• You must have a verifiable monthly income
• You must have a pension account

Loan terms

• Bank Verification Number
• 6 Months' Payslips / Bank Statements
• Employment / Work Details

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• Valid Identification (Driver’s License, Int'l Passport, National ID Card, Voters Card)
• Recent Passport Photograph
• Personal Details
• Work ID Card
• Employment Details
• Six months Bank Account Statement

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• Duly completed Loan application form
• Duly completed personal guarantee form
• Board resolution for the Loan (for companies)
• One passport photograph of each signatory
• Identification document for each signatory e.g. International Passport, National ID Card, National Drivers Licence e.t.c. Originals will be required for sighting
• Copy of utility bill issued within the last three months. Originals will be required for sighting
• Two reference forms duly completed by an individual or corporate body maintaining a current account with a bank in Nigeria. (Applicable to current account only)

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen
• The bank account provided should be in your name

Loan terms

• Duly completed application form
• 2 guarantors
• 2 recent passport-size photographs
• Current electricity bill
• A valid means of ID (national ID, driver's license, voter's card or international passport)

Loan terms

• Own a business in Nigeria

Loan terms

• You are a registered business
• You have been operating for 6+ months
• You have a valid invoice and are awaiting payment OR you have a purchase order and need financing to help you complete the job

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• Letter of employment
• Staff identity card
• Pay slip
• 6 months statement of account

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• The applicant must be a Nigerian resident
• The age bracket of the applicant has to be in the range of 20-55 years
• The applicant needs to have a source of monthly income or state the reason why he or she wants the loan
• Valid ID Card
• BVN Number

Loan terms

• You must be in a paid employment or a business owner
• Your age should be between 18 and 55 years
• You must have a savings or current bank account

Loan terms

• 18 + years old
• Nigerian citizen
• The bank account provided should be in your name

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• Be in a paid employment
• Be between 21 and 58 years
• Have a salary account
• Have a pension account or tax ID
• Have a valid Proof of Identification
• Have a recent utility bill

Loan terms

• 18 + years old
• Nigerian citizen
• Have a smartphone

Loan terms

• 1 Passport Photograph
• A valid means of Identification (International Passport, Drivers License or National ID Card )
• Your 6 month up-to-date Salary statement of account, to be sent to verification@spotyloans.com from your bank
• Employee ID Card
• Employment Letter
• NUBAN Cheques or Direct Debit Mandate
• BVN Number with associated phone number
• Communication via your official email

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• If you are a petty trader or artisan in Nigeria, and N10,000 can help your business today, then you are eligible for TraderMoni For example, if you are a small kiosk owner, food stuff seller, bread seller, mai shai, wheel barrow pusher, mobile tailor, mobile cobbler, fruits seller, keke rider, etc, TraderMoni is here to help your business to get to the next level

Loan terms

• 18 + years old
• Nigerian citizen
• Have a smartphone

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen

Loan terms

• 18 + years old
• Nigerian citizen