With FicPay you can also purchase airtime, pay bills with just a few simple clicks!
Our loans take the stress out of borrowing! With our airtime top-up feature, you can buy airtime on any mobile network for yourself, family and friends. Pay your electricity and other provider bills all from your FicPay app.
LOAN RATES AND REQUIREMENTS
With FicPay, you can access loan amounts without stressful visits to the bank. Yes, it’s that easy! Our payback period can be from 60 days and above depending on your loan eligibility. We give out loans only to persons above 21 years of age which is in compliance with the national rules.
Our minimum interest rate, which is determined by our credit scoring algorithm, is 3% per month and a maximum of 10% per month. This comes to an Annual Percentage Rate (APR) of 36%.
FOR EXAMPLE;
If you get a personal loan product of N10,000 to pay back over a 3-months tenor at an interest rate and fees of 3% per month (36% APR), you will be paying back N900 in interest. Making your total Principal + Interest repayment of N10,900 only.
We usually require no collateral. However, you may need to provide a guarantor for specific loan amounts.
Also for verification purposes, you will need to submit additional documentation such as a valid identification document. Nevertheless, all you need to do is download the app, sign up easily and apply for a loan in minutes!
WANT TO TALK TO US?
We will love to hear from you because we welcome feedback and tips to make our services better. If you have any issues navigating the app, feedback or questions, you can reach out to us by calling +234815 666 2233 or +234 813 997 7778 or send an email to [email protected]. You can also reach out to us via our social media platforms.