Frequently asked questions

Our customers frequently ask these questions about loans.

Am I eligible for a loan?

Eligibility for a Money in Minutes product(s) is based on a number of factors. You must be between 19 and 55 years old. You should have a verifiable source of income from either full-employment or self-employment. You should live and/or work in states where we operate, as well as have a bank account in Nigeria. These are some of the criteria to be considered for any of our products

Can I really get Money in Minutes?

Yes, you can. We have a range of product offerings suited for specific needs and are easily accessible to all eligible customer

How much can I borrow?

Grow as high as you need from ₦5,000 upwards

I have completed my Money in Minutes registration, what next?

You are set to begin your journey to financial well-being with us! Submit your application, get access to cash and build your credit profile at the same time, and learn more about ways we empower you to succeed.

What documents do I need to apply for a loan?

You need your BVN number, NIN number, and your bank account details. No physical document is required.

How can I apply for a loan?

Kindly go to our website or download our mobile app to register and apply for a loan, quick and easy.

How long does loan approval take?

Every loan application undergoes an assessment process and a decision is made accordingly. Upon successful review and due diligence done, disbursement is done within minutes of all checks done and completed successfully.

I am having trouble completing my registration, what may be the issue?

Kindly check that you are entering the correct information where required and that no required (*) fields are left blank or filled improperly. If you still experience any difficulties, please contact [email protected]

Can I reapply immediately after liquidating my existing Loan

Once your existing loan is repaid completely, you are eligible to apply for a new loan immediately. Early repayments are encouraged and help to put you in good standing and could qualify you for higher amounts and lower interest rates. However, kindly note that each loan will be assessed and a decision will be made on the merit of each loan application. Kindly go to your mobile app or website and find the repayment options under "Repayment Schedule" under "Loan Management" in your account.

I am having issues with my account registration or loan application, what do I do?

If you experience any difficulties with your account registration or loan application, please contact [email protected] It helps to contact us with your registered email address and if you include a screenshot of the error message you are getting it helps us trace issues faster.

BVN Error Message (BVN does not match disbursement account)

You can only (and should) only register and make a loan application using your true and verified data/information. Always ensure that you use the(your) BVN tied to your bank account and reattempt your application.

I have issues linking my card to my account

Please note that a security feature with one of our Partners Paystack, will require you to wait at least 24 hours before attempting to link your card to your account. This is required after a few unsuccessful attempts have been made, and is necessary to prevent any unauthorized use of your card. Kindly try again after at least 24 hours have elapsed.

Issues with Mono and Bank Statement Upload

This would likely mean that your bank might currently be experiencing some service downtime and therefore unable to provide the information required for you to progress to the next stage. You simply need to try again with an alternative bank account.

Why was my loan disapproved?

We might be unable to make you a loan offer at this time, based on an evaluation of income and affordability derived from the account you provided. As a responsible lender and a CBN-regulated company, we are obliged to only make offers to customers who meet certain lending criteria. While we might not be able to make you an offer now, we earnestly look forward to being able to serve you in the future.

I Encountered an “Invalid Key” Error

To fix this kindly update the mobile app by uninstalling and then reinstalling it. If you are attempting the application on the web/desktop, kindly log out and refresh your browser on your desktop by clearing history and cache, and then try again. If you encounter the same problem or any other problem again, please share a screenshot and we will be happy to assist you.

My account is Inactive and I am unable to access my profile

Upon your loan disapproval, our customer care agent would have communicated the reason for the rejection in the email received. There are several reasons why a loan application may be rejected and an account deactivated. This may include, but is not limited to, income and loan affordability, verification of information provided, general qualification for a loan by age and other factors, and much more. While we may not be able to serve you now, we might be able to serve you in the future, and we will be glad to welcome you at such a time.

Can I trust that my details and data are safe with you?

We are a Central Bank of Nigeria (CBN) regulated company, and we have taken all measures and abide by the stipulations of all relevant agencies to ensure your data is safe with us.

Why can’t I find your mobile app on the app or play store?

Our mobile app is currently undergoing necessary upgrades to serve you better. However, our web platform: is available to you round the clock to access our products and services. We will let you know as soon as our mobile app is up and running again.

What are your Business Operation hours?

Our business working hours are 9:00AM - 6:00PM from Monday to Friday, our agents are available to respond to you promptly during business hours. However, if you leave us a message via [email protected] outside our regular business hours, we will be sure to get back to you as soon as possible.