Fast, transparent
lans in Nigeria
Access quick, dignified financing from ₦100,000 to ₦80,000,000. From 2-hour Car for Cash and personal credit to SME growth capital and LPO contracts, get disbursed directly into your bank account with zero upfront fees.
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Flexible loan solutions built for Nigerians
Compare terms across tailored loan types, secure priority approval, and access quick funds from accredited Nigerian lenders.
Car for Cash (Car Collateral Loan)
Leave your car with us as collateral for instant maximum cash
Car Financing & Auto Loan
Buy brand new or Tokunbo cars with easy down payment
LPO Financing
Execute supply & government contracts without cash flow delay
Personal Loan & Salary Advance
Quick unsecured cash for salary earners & working professionals
Business & SME Growth Loan
Fuel your enterprise with tailored working capital
Study & Tuition Loan
Invest in your education locally or abroad
Travel & Relocation Loan
Finance your flight tickets, visa logistics & relocation expenses
Solar & Clean Energy Finance
Power your home & office 24/7 without generator petrol stress
Medical & Emergency Health Loan
Urgent hospital bills, surgeries, and childbirth care funded in 2 hours
Equipment & Heavy Machinery Lease
Acquire industrial generators, machinery & tooling to scale output
Invoice Discounting & Factoring
Turn pending blue-chip corporate invoices into cash within 24 hours
Gadget & Work Device Financing
Get MacBooks, iPhones & work laptops with 20% down payment
Getting cash is Simple and SUPERfast.
From application to cash in your Nigerian bank account in 3 straightforward steps.
1. Apply
Tell us about you and your car or loan need (business, LPO, personal, study), and get an instant offer. It takes just a few minutes online.
2. Quick Inspection & Review
We review your bank statement, turnover, or vehicle. For Car for Cash loans, you leave your car in our 24/7 guarded Lekki facility as collateral for instant payout!
3. Receive Funds
Funds are disbursed directly into your Nigerian bank account (GTBank, Access, Zenith, Moniepoint, etc.) within 24 hours.
Loved by users across Nigeria
Real stories from entrepreneurs, professionals, and students who accelerated their goals with Kredio.
“We secured a major water engineering contract from the Federal Ministry, but our working capital was locked in another project. Kredio processed our LPO facility within 36 hours. The tripartite agreement was seamless, and we completed the supply ahead of schedule.”
Engr. Femi Babalola
“December restocking used to give me sleepless nights. Banks wanted landed property in Victoria Island that I didn’t have. Kredio evaluated my POS and bank turnover directly. The funds landed in my GTBank the following morning, and my profit margin doubled this season.”
Mrs. Chidinma Eze
“I needed urgent liquidity to close a distressed real estate deal. I left my 2018 Camry in Kredio’s 24/7 guarded Lekki facility, logged mileage, and they disbursed ₦4.2M into my account in 90 minutes. I picked up my car as soon as I repaid. Unbeatable transparency.”
Tunde Oshodi
“My UK student visa deadline was approaching fast, and flight fares spiked suddenly. Kredio helped finance my flight ticket and relocation costs with reasonable monthly deductions that my sponsor is managing smoothly. A lifesaver for Nigerian scholars!”
Amina Bello
Frequently Asked Questions
Clear, straightforward answers about our loans, collateral policies, and repayment terms.