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Fair Loans, Multiple Packages

Loans are our umbrella product. Underneath, several packages let you borrow the right amount over the right time at a fair, transparent rate, with funds sent straight to your NAJ Capital wallet.

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Choose Your Package

Loan Packages for Every Stage

Whether you need a small boost or capital to grow a business, there's a package built for it. All packages share the same promise: clear terms and no hidden charges.

Starter

For first-time borrowers & daily savers

₦20K to ₦150K
Tenure1 to 3 months
Best forQuick cash needs
Disbursed toYour wallet
CollateralNone required
Apply
Most Popular

Everyday

For working people & small traders

₦150K to ₦1M
Tenure3 to 12 months
Best forPersonal & family goals
RepaymentFlexible schedule
CollateralLight / guarantor
Apply

Business

For shops, SMEs & growing ventures

₦1M to ₦10M+
TenureUp to 24 months
Best forStock & working capital
SupportDedicated officer
CollateralAs assessed
Apply

Indicative packages. Your exact amount, tenure, and rate are confirmed during application and shown clearly before you accept.

Why Borrow With Us

Lending That Treats You Fairly

Transparent Rates

Every fee is disclosed up front. What you agree to is exactly what you repay, no hidden charges.

Fast Decisions

Apply online and get a decision quickly, so help arrives when you actually need it.

Straight to Your Wallet

Approved funds are disbursed into your NAJ Capital wallet, ready to use.

Saving Builds Trust

A consistent daily savings record helps you qualify and access better terms over time.

No Early-Payoff Penalty

Pay ahead whenever you can and reduce your total cost. We never penalise it.

Real Support

A friendly team to guide you, and a dedicated officer for larger Business facilities.

How to Apply

From Application to Funded

1

Pick a Package

Choose the package that matches your need and amount.

2

Apply Online

Complete a short application and upload your documents.

3

Get Your Offer

Review clear terms, amount, tenure, rate, then accept.

4

Receive Funds

Money is disbursed straight into your wallet.

Good to Know

Loan FAQs

A NAJ Capital account, a valid government-issued ID, your BVN, and basic proof of income or business activity. Some packages may request a guarantor or collateral, which is always stated up front.
Each package targets a different need. Starter is for small, short-term cash; Everyday suits personal and family goals; Business supports stock and working capital with larger amounts and a dedicated officer.
Approved loans are disbursed directly into your NAJ Capital wallet, where you can see the credit and use the funds right away.
Yes. There are no early-payoff penalties. Paying ahead reduces the total interest you pay.
A steady daily savings record demonstrates reliability and can strengthen your application and the terms you're offered over time.
View All FAQs