Convenient credit solutions for Africans
Whether you’re employed or running a business, get access to easy credit with Payble.
What we offer
Personal loans
Whether you’re salaried or self-employed, we’ve got a loan solution designed just for you. Enjoy a stress-free borrowing experience tailored to your unique needs. Our interest rates are competitive, with salary loans ranging from 3.5% to 6.35%, and self-employed loans from 7.5% to 11% flat rate per month.
SME loans
Ambitious entrepreneurs can do more with our business loans, designed specifically for small and medium scale enterprises to scale operations and achieve their goals. Interest rate ranges from 3.5% – 7.5% flat rate per month.
Buy Now, Pay Later loans
Manage big expenses with our Buy Now, Pay Later offer. Spread payments monthly for school fees, electronics, furniture, e.t.c. Get value now and pay back at your own pace. Interest rate ranges from 3% – 5% flat rate per month.
LendTech Solutions
Our Lending-as-a-Service offering delivers custom solutions for lenders and financial institutions, enhancing risk profiling, decisioning, collections, and compliance to support sustainable growth and expand your user base.
Investments
Invest with ease, competitive returns that beat traditional savings. Your funds are protected, and our terms are transparent from the start. Build your own fixed-term plans for guaranteed growth or early liquidation when you need access to your money. Start with as little as ₦50,000, with no hidden fees.
Credit as a Force for Good
Whether it’s sending kids to school, growing a business, or buying a new laptop, we believe everyone deserves access to credit.
Our team is dedicated to simplifying the borrowing process by leveraging the best of AI and technology, making what seems complex easy to navigate so that you can do what you need to do to thrive.
Together, we can provide sustainable credit solutions that build stronger communities and foster prosperity across Africa.
Let’s do great things together!
Partner with us and offer your customers more. From innovative lending services to expert guidance, we’ll provide exclusive tools, training, and strategic advice to expand your business while empowering your customers. Together, we’ll create real value that drives mutual success.
Buy Now, Pay Later
Get the products and services you need today and pay later in easy instalments with Payble. Whether you’re shopping for electronics, paying school fees, or covering healthcare or energy needs, our flexible BNPL solution makes life more affordable.
No credit history? No problem. Our simple, digital application process is designed to help you access credit in minutes with instant decisions and zero stress.
Start your journey with Payble today because the things you need shouldn’t have to wait.
Investments
Earn up to 25% returns annually when you invest with us. Whether you’re saving for your dream car, building a safety net, or just want your money to do more, our intuitive platform helps you get started in minutes.
No experience? No problem. Our easy-to-use tools are designed for beginners and seasoned investors alike.
Start investing today — because the future you want begins with the steps you take now.
Frequently Asked Questions
What types of loans do you offer?
We offer personal and business loans with flexible terms and competitive rates. Visit our Loan Products page for more details.
What is the minimum and maximum period for loan repayment?
Loan repayment terms range from 3 to 24 months, depending on the amount and your selected plan.
What is the maximum annual percentage rate (APR)?
The maximum APR is 81% per year, including interest, processing fees, and other costs as per local regulations.
How is the interest rate calculated?
Interest rates range from 4.15% to 6.75% flat per month, following a reducing balance approach.
Can you provide an example of the total loan cost?
- Loan amount: ₦500,000
- Tenure: 12 months
- Interest rate: 5% per month (Reducing balance)
- Processing fee: ₦10,000
- Total repayment: Approximately ₦660,000.
Are there any additional fees?
Who is eligible to apply?
- Must be at least 18 years old
- A Nigerian citizen or resident
- Have a steady income source
- Provide a valid ID (e.g., National ID, Driver’s License, Passport)
How do I apply?
Apply through our website or mobile app by completing the form and submitting required documents.
How will I receive my loan?
Once approved, the loan amount will be disbursed directly into your registered bank account.
Can I repay my loan early?
Yes! Early repayments are allowed, and you may qualify for an interest discount.
What happens if I miss a payment?
Late payments may incur fees and impact your credit score. Contact us if you anticipate delays.
Is there a late repayment penalty?
Yes, late repayment fees apply as per loan terms. Frequent delays may lead to additional penalties.
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