HOW IT WORKS

A simple process from application to funding.

Apply online, complete secure verification, receive a decision and get your funds directly into your account.

Simple.
Transparent.
Reliable.

THREE SIMPLE STEPS

A clear path forward.

Know what happens next, from your first application through to funding.

Create an account and securely complete your application.

We assess the information and share the terms available to you.

Accept the offer and complete the steps for disbursement.

THE APPLICATION JOURNEY

We’ll explain the information and terms you need at each stage.

Tell us about yourself, the amount you need and your preferred repayment period. The final approved amount may differ after assessment.

Complete the required BVN, NIN and identity verification steps.

We review your information, repayment capacity and other relevant factors. Additional information or security may be requested where appropriate.

Review the approved amount, repayment period, monthly repayment, Admin Fee, Insurance Fee and total repayment before accepting.

Review and accept your offer. You can pay directly through your Gifi account; a Direct Debit Mandate may also support scheduled collection.

Once the required steps are complete, approved funds are disbursed to your designated bank account.

YOUR GIFI ACCOUNT

View loan details, track repayments, make payments through your Gifi account and access support when you need it.

Successfully completing a loan builds history with Gifi and may support future credit assessment. Future offers are not guaranteed.

Start a secure application online.