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How NAJ Capital Works for You

One simple journey, whether you have a smartphone or not. Onboard once, get your own account number, save a little every day, and reach for a fair loan when you need it. Here is exactly how it all fits together.

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The Journey

From Sign-Up to Saving in Four Steps

No paperwork mountains, no banking jargon. Onboard once and everything is ready: your virtual account, your daily savings, and access to loans. No phone or internet? A field agent has you covered.

1

Onboard

Sign up in minutes and instantly receive your personal NAJ Capital virtual account number.

2

Fund It

A field agent collects your cash daily, or you self-deposit. Money from any bank lands in your wallet.

3

Save Daily

Set a goal, save a little each day, and watch your streak grow steadily toward your target.

4

Access Loans

When you need more, choose a loan package and get the funds straight into your wallet.

Daily Savings6-day streak
₦42,000
Goal · ₦100,000 by December
Agent collection
Today+₦2,000
Self deposit
Yesterday+₦1,500
Step 1 and 2: Saving

Save With an Agent, or on Your Own

No phone? No internet? No problem. A trusted NAJ Capital field agent visits you daily, at your shop, market stall, or street, collects your cash, and uploads it straight to your savings. Prefer to do it yourself? Top up from your phone whenever you like.

Field agents reach everyone
Inclusion that meets you where you are, no device required.
Save on your schedule
Deposit before work, after a sale, or whenever it suits you.
Goals and streaks
Set a target and stay consistent with a clear progress bar.
Your Wallet

One Account Number, Money In and Out

The moment you onboard, you get a personal virtual account number. Share it with family, customers, or employers, and they can pay you from any bank in Nigeria. You see every credit and debit live, and you can send money to anyone and pay bills, with a transaction PIN and OTP on every payment.

Receive from any bank
Inbound transfers work from every Nigerian bank and app.
Send to anyone, securely
Transfer to NAJ Capital users or any bank account, confirmed by PIN and OTP.
Live balance and history
Every transaction shows in your dashboard in real time.
My WalletActive
₦248,500
Virtual account · 0123 456 789
Received from GTBank
From any bank+₦35,000
Sent to Chidi N.
NAJ Capital · instant−₦20,000
Step 4: Loans

Fair Loans, Straight to Your Wallet

When you need more than your savings, loans come as clear packages with no hidden fees. Pick the one that fits, and approved funds land in your wallet.

Choose a Package

Starter, Everyday, or Business, each with clear amounts, tenures, and rates.

Apply Simply

A short application with transparent terms you can read and understand up front.

Funds to Your Wallet

Approved money is disbursed straight into your NAJ Capital wallet.

See Loan Packages

Built to Keep Your Money Safe

Every step is designed around protecting you. Each transfer and bill payment is confirmed with a transaction PIN and OTP, backed by fraud monitoring and instant alerts. Your daily savings are recorded each time an agent collects, and every loan fee is shown clearly before you agree. Simple rules, real peace of mind.