Understanding what it takes to qualify clearly and honestly.
General Eligibility Requirements
Before looking at specific loan types, there are baseline requirements that apply to every loan on our platform. Every applicant must meet all of the following:
Age You must be at least 30 years old at the time of application. There is no upper age limit, provided you have a stable income and can complete repayment within the loan term.
Nationality and Residency You must be a legal resident or citizen of the country in which you are applying. A valid government-issued ID confirming your identity and residency is required.
Identification A valid, unexpired government-issued photo ID is mandatory. Accepted forms of ID include a national identity card, passport, or driver’s license.
Active Bank Account or Mobile Wallet You must have an active bank account or registered mobile wallet in your name. This is where your loan funds will be disbursed and where repayments will be collected.
Contact Information A valid phone number and email address are required for communication throughout the application and repayment process.
Personal Loan
Required Documents
- Valid government-issued photo ID
- Proof of income — recent payslips (last 3 months), bank statements (last 3–6 months), or business income records
- Proof of residential address — utility bill, tenancy agreement, or bank statement showing your address
Business Loan
Required Documents
- Valid government-issued photo ID of the business owner
- Business registration certificate or trade license
- Business bank account statements for the last 6 months
- Recent tax returns or financial statements where applicable
- Proof of business address
- Business plan (required for loans above $100,000)
Home Improvement Loan
Required Documents
- Valid government-issued photo ID
- Proof of property ownership (title deed, land certificate) or tenancy agreement
- Proof of income — payslips or bank statements
- Proof of residential address
Education Loan
Required Documents
- Valid government-issued photo ID of the applicant
- Proof of enrollment, admission letter, or registration confirmation from the institution
- Institution fee schedule or invoice showing the cost of education being financed
- Proof of income of the applicant or guarantor — bank statements, payslips, or business income records
Emergency Loan
Required Documents
- Valid government-issued photo ID
- Proof of income — bank statement or payslip
- Brief written explanation of the emergency or supporting documentation where available
- Active bank account or mobile wallet details for disbursement
Agricultural Loan
Required Documents
- Valid government-issued photo ID
- Evidence of farming activity — photographs or receipts for inputs
- Bank account or mobile wallet statement showing farming-related transactions for the last 3–6 months
- A brief farming or agribusiness plan describing your activities, expected yield, and projected income
- Proof of residential or farm address
Eligibility
All eligibility assessments are conducted fairly, without discrimination based on gender, religion, ethnicity, or background. What matters to us is your ability to repay and we look at that honestly and carefully.