Save daily.
Send & receive money.
Borrow fairly.
Bringing Hope Alive.
Get a personal virtual account to send, receive, and hold money, build a daily savings habit, pay bills in seconds, and unlock fair loans with clear, honest packages. All in one place.
NAJ Capital · instant −₦15,000
Into your virtual account +₦35,000
VTU · 0803 *** **12 −₦1,000
Secured with bank-grade encryption, transaction PIN & OTP on every payment.
Four Simple Ways We Help
No clutter, no confusing products. NAJ Capital does four things, and does them well: helps you save daily, gives you a wallet to send and receive money, lets you pay everyday bills, and offers fair loans you can actually afford.
Daily Savings
Build wealth one day at a time. A field agent can come to you to collect cash daily, or you can deposit yourself, whichever fits your life.
Wallet
Get your own virtual account number the moment you sign up. Receive, hold, and send money to anyone, and pay bills, all from one secure wallet.
Loans
When you need a hand, borrow on fair terms. Loans come as several packages, so you can pick the amount, tenure, and rate that suit you.
VTU / Pay Bills Coming Soon
Top up airtime and data, pay electricity, cable TV, and more, in seconds, straight from your wallet, for you and the people you support.
From Sign-Up to Saving in Four Steps
Onboard once and everything is ready: your virtual account, daily saving, and access to loans. No phone? A field agent has you covered.
Onboard
Sign up and instantly receive your personal NAJ Capital virtual account number.
Fund It
A field agent collects your cash daily, or you self-deposit. Money from any bank lands in your wallet.
Save Daily
Set a goal, save a little each day, and watch your streak grow toward your target.
Access Loans
When you need more, choose a loan package and get funds straight to your wallet.
A Loan Package for Every Need
Loans are our umbrella product. Underneath, several packages let you borrow the right amount, over the right time, at a fair rate.
Starter
For first-time borrowers & daily savers
Everyday
For working people & small traders
Business
For shops, SMEs & growing ventures
Indicative packages. Final amounts, tenures, and rates are confirmed during your application.
Built on Trust, Designed for You
We are more than an app. We are a partner committed to helping ordinary people build a stronger financial future.
Our agents come to your shop, market, or street to collect daily savings, inclusion that meets you where you are, even without a phone.
Every transfer and bill payment is confirmed with a transaction PIN and OTP, backed by fraud monitoring and instant alerts on every move.
Every loan fee is shown up front. What you agree to is exactly what you pay, no surprises, ever.
Receive money from anyone, on any bank, straight into your personal virtual account, no shared numbers, no confusion.
Your balance, savings streak, transactions, and loan progress update in real time, on any device.
Reach a friendly team by phone, email, or WhatsApp whenever you have a question.
Hope, Brought Alive Every Day
Real people using NAJ Capital to save, send money, pay bills, and borrow.
"The field agent stops by my shop every morning. Saving small amounts daily, I built enough to restock without borrowing. NAJ Capital changed how I handle money."
"Having my own account number means family can send me money from any bank, and I can send to my suppliers and pay bills in seconds. The PIN and instant alerts make it feel safe."
"I took the Everyday loan package to expand my stall. The terms were clear, the rate was fair, and the money came into my wallet quickly. No hidden charges."
"My relationship manager checks in on our savings group every week. Whenever I need my money, withdrawing to my own bank account is quick and simple."
"I started with tiny daily savings through an agent. A year later I qualified for a loan and bought a freezer for my shop. Small money really does become big here."
Grow with NAJ Capital
Beyond our customer services, there are two ways to grow with us: invest with NAJ Capital, or become a field agent and earn while bringing financial inclusion to your community.
Your Money Is Protected at Every Step
Security is built into everything we do. From the moment you sign up to every transfer and bill payment, your money and your data are guarded by multiple layers of protection.
Your data and transactions are protected in transit and at rest with strong, bank-grade encryption.
Every payment is confirmed with your transaction PIN and a one-time password, so only you can move your money.
Our systems watch every transaction around the clock to spot and stop suspicious activity before it reaches you.
Get a notification the moment money moves in or out of your wallet, so nothing happens without you knowing.
We handle your personal information responsibly, in line with Nigeria Data Protection Regulation guidelines.
Layered sign-in keeps your account yours alone, even if someone learns your password.
Answers, Before You Ask
A few of the things people ask us most. For everything else, our team is one message away.