Overdraft is an individual loan product designed to assist customers with emergency business funds or family needs. This is a quick loan disburse within 24 hours.

  • Facility range: ₦2,000(minimum) to ₦100, 000(maximum)
  • Methodology: Individual.
  • Duration: 2 months (Maximum).
  • Grace period: 1 week
  • Repayment frequency: Monthly


  • Access to funds in emergency situations.
  • No collateral needed.
  • Low interest rate of 5% per month on reducing balance.
  • Flexible and convenient repayment structure.
  • Expert financial advice available.


  • Duly completed Loan application form.
  • Two guarantors.
  • A valid ID (National ID, Driver’s license, Voter’s card or International passport).
  • Current utility bill.
  • Two recent passport-size photographs.
  • Last 3 months Bank statement of account or payment slip if civil servant.

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