Four Products, One Simple Promise
NAJ Capital keeps it focused. Save daily, send and receive money from a wallet you control, pay your everyday bills, and borrow fairly when you need to. That's it: no clutter, no confusing products.
Daily Savings
Build wealth one day at a time. A field agent can come to you to collect cash daily, even with no phone, or self-deposit, set goals, and keep your streak alive.
Explore Daily Savings →Wallet
Every customer gets a virtual account number on sign-up. Receive money from any bank, send to other NAJ Capital users and any bank account, and pay bills, all protected by a transaction PIN and OTP.
Explore the Wallet →Loans
When you need a hand, borrow on fair terms. Loans come as several packages, Starter, Everyday, and Business, so you pick the amount, tenure, and rate that fit.
Explore Loans & Packages →VTU / Pay Bills
Top up airtime and data, pay electricity, cable TV, and more, straight from your wallet. Fast, reliable bill payments for you and the people you support.
Explore VTU & Bills →How It All Fits Together
One account ties everything together: your wallet holds your money, your daily savings grow inside it, you send, receive, and pay bills from it, and your loans are disbursed straight to it.
Onboard
Get your wallet and personal virtual account number.
Save & Receive
Save daily and receive money from any bank.
Send & Pay Bills
Transfer to anyone and pay bills, secured by PIN and OTP.
Access Loans
Borrow a package; funds land in your wallet.
For Investors: Our investor programme is a separate business line from these customer services. Interested in investing with NAJ Capital?
Contact Us