Kredio
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Direct Bank Disbursement · Zero Hidden Charges

Our Loan Facilities

Explore our transparent credit solutions for individuals, business owners, and contractors across Nigeria.

2 Hours Payout

Car for Cash (Car Collateral Loan)

Leave your car with us as collateral for instant maximum cash

Max Amount₦25,000,000
Interest Rate3% / Month
Borrow up to 80% to 85% of your car’s verified market valuation
Leave your car safely with us as collateral in our 24/7 guarded Lekki facility
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48 Hours Payout

Car Financing & Auto Loan

Buy brand new or Tokunbo cars with easy down payment

Max Amount₦40,000,000
Interest Rate2.8% / Month
Down payment from as low as 20% to 30%
Choose from 150+ verified partner car dealerships across Nigeria or bring your own verified car
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24 - 48 Hours Payout

LPO Financing

Execute supply & government contracts without cash flow delay

Max Amount₦80,000,000
Interest Rate3.2% / Month
Finance up to 80% of verifiable purchase order value
No physical collateral required — the verified LPO serves as principal backing
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2 Hours Payout

Personal Loan & Salary Advance

Quick unsecured cash for salary earners & working professionals

Max Amount₦5,000,000
Interest Rate4% / Month
Fast automated BVN & NIN verification via secure Remita / direct debit
Borrow up to 3x your verified net monthly salary
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24 Hours Payout

Business & SME Growth Loan

Fuel your enterprise with tailored working capital

Max Amount₦50,000,000
Interest Rate3% / Month
Flexible repayments: Choose weekly, bi-weekly, or monthly repayment frequency
High lending limits up to ₦50,000,000 based on verified turnover
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48 Hours Payout

Study & Tuition Loan

Invest in your education locally or abroad

Max Amount₦15,000,000
Interest Rate3.2% / Month
Direct disbursement to verified Nigerian universities or accredited foreign institutions
Moratorium grace period: Pay only interest while in school, principal starts after graduation
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24 Hours Payout

Travel & Relocation Loan

Finance your flight tickets, visa logistics & relocation expenses

Max Amount₦10,000,000
Interest Rate3.8% / Month
Assistance with verifiable Proof of Funds (POF) compliant with embassy guidelines
Direct airline ticket financing with competitive flight rates
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24 Hours Payout

Solar & Clean Energy Finance

Power your home & office 24/7 without generator petrol stress

Max Amount₦15,000,000
Interest Rate3% / Month
Acquire complete 3kVA to 20kVA solar installations with 10% to 20% down payment
Repay over 6 to 24 months — monthly payments are often less than your monthly generator fuel bill
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2 Hours Payout

Medical & Emergency Health Loan

Urgent hospital bills, surgeries, and childbirth care funded in 2 hours

Max Amount₦5,000,000
Interest Rate2.8% / Month
Fast-track 2-hour emergency underwriting queue
Direct payout to verified hospital or clinic billing desk
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48 Hours Payout

Equipment & Heavy Machinery Lease

Acquire industrial generators, machinery & tooling to scale output

Max Amount₦40,000,000
Interest Rate3.4% / Month
Lease-to-own structure: The acquired machinery serves as the primary security
Financing up to 80% of equipment invoice value
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24 Hours Payout

Invoice Discounting & Factoring

Turn pending blue-chip corporate invoices into cash within 24 hours

Max Amount₦50,000,000
Interest Rate2.9% / Month
Get up to 85% advance cash within 24 hours of invoice verification
Confidential discounting: Your clients need not know you are using invoice financing
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4 Hours Payout

Gadget & Work Device Financing

Get MacBooks, iPhones & work laptops with 20% down payment

Max Amount₦3,500,000
Interest Rate3.3% / Month
Pick up your device with just 20% initial equity contribution
Spread remaining balance across 3 to 12 months
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