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Phone number or Facebook account, ID number, and mobile money or bank account
Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
Kuda app account required; monthly installment repayment; no paperwork
Digital application through the Renmoney app; identity and income checks may apply
Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
Monthly income of ₦1,000+; no collateral; no physical paperwork
No collateral; smartphone app application
No collateral; no guarantor; no paperwork
Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required