To begin, log in to your Money in Minutes app, and follow these steps: - Click the 'Apply now' button on the specific loan product you want - Proceed after reading the 'Notice' message pop-up - Provide your Employment Information and click 'Continue' - Enter your loan details (amount, purpose, and duration) - Set up your Debit Card - Add your Bank details (where the money you have applied for will be disbursed into) - Set up your Lidya Direct Debit - Complete your loan application

If you are opting for the Credit Builder, you will be expected to complete the credit score builder cycle before accessing other loan products.

The system validates your cards with a ₦100 charge. Ensure cards are issued against your primary bank account.

Direct debit is a repayment channel of your loan, your direct debit charges an administrative fee of ₦1000

The Direct Debit fee is ₦1000, payable from your bank account.

For quick loan approval, we need the bank card you will use for repayment. Ensure the card matches your primary bank account.

The card verification fee is ₦100, payable from your bank account.

Only add cards issued against your primary bank account. They should not expire in the next 2 weeks.

You will be charged ₦100 for card verification and ₦1000 for direct debit, and this amount must be available.

Add your own bank account connected to the card provided.

The system calculates your offer by analyzing your bank statement.

- Add a bank account for automated direct debit repayments - Choose 'Manual Authorization' in the 'Add Account' pop-up - Click 'Complete Mandate' and then 'Continue

Check your email for "Webapp Collect Consent Request from Lidya Nigeria"

Click "Consent Request" in the email and follow instructions.

Find the email subject "Lidya Collect - Please Sign Collection Documents" and click the 'Direct Debit Authorisation' button.

You are expected to choose a main account from the list of bank accounts that share your BVN (Bank Verification Number) because this is the account that will automatically be debited when your loan is due for repayment. This choice is mandatory and irreversible.

After selecting your main account, view the mandate, draw/upload your signature, and click 'Sign all Documents.'

You will receive a congratulatory message for successfully signing.

Click 'Continue' after signing, and you will receive an email confirming your 'Collect.'

Look for "Webapp Collect Consent Request" email indicating your repayment amount.

First, you need to confirm that your bank has activated your mandate before you proceed to complete the mandate on the Money in Minutes platform. Once you get confirmation from the bank, login, on your Dashboard, click 'Continue' under Repayment Details. Then, click "Complete Mandate" and "Verify Mandate."

Consent if your bank calls you in concerning your Direct Debit Mandate. Your consent is needed to activate your mandate.

You will get an email to continue your application.

Yes, you can log in from any device and continue the setup where you left off.

There is nothing to worry about. Your progress is saved. Just log in again to continue.

Verification usually takes between 6 – 48 hours, and you might receive a call from your bank. If you do, kindly give consent.

If you do not receive a call from your bank, kindly check your email to see if you have received an activation email from your bank. Please note that without the call (where you give consent) or an activation email from your bank, you will be unable to proceed with your application.

No, you can only use the bank account connected to the card provided.

Unfortunately, the main account selection is irreversible once documents are signed.

If you face technical issues, please reach out to our support team for assistance. Call us on 012298304, 09132965208 or 09123652310 between 9am and 6pm or send an email to customercare@moneyinminutes.ng

The verification process usually takes between 6 – 48 hours.

Granting consent allows us to retrieve your linked bank accounts for your application.

Dial *565*0# from your linked phone number to check your BVN.

You will receive an email titled " Lidya Collect - Please Sign Collection Documents " with instructions.

Yes, your provider may charge N20 for each BVN check.

Digital signatures ensure maximum security and authenticity.

Unfortunately, without this consent, we cannot proceed with the application.

You will need to select a main account from the list provided in the Direct Debit Mandate document.

Reach out to our support team for assistance in such cases. Call us on 012298304, 09132965208 or 09123652310 between 9am and 6pm or send an email to customercare@moneyinminutes.ng

You will receive an email notifying you when your mandate is active.

Feel free to contact our support team, who will be glad to guide you through. Call us on 012298304, 09132965208 or 09123652310 between 9am and 6pm or send an email to customercare@moneyinminutes.ng

You can use the "Forgot Password" option on the app to reset it.

No, once your account is set up, it is linked for automated repayments.

Yes, you can have multiple loans with their respective schedules.

The loan amount available depends on a range of factors, including your eligibility and affordability.

Apply for an extension loan on your dashboard.

Yes, you can prepay your loan. Contact our support for guidance on the process. Call us on 012298304, 09132965208 or 09123652310 between 9am and 6pm or send an email to customercare@moneyinminutes.ng

If your application is rejected, our team will provide details on the reasons.

Yes, you can reapply. Make sure to address any issues from the previous application.

Loan details cannot be edited once submitted. Ensure accuracy before proceeding.

Once approved, the funds are disbursed usually within 24 hours.

Contact our support team if there are delays in your disbursement. Call us on 012298304, 09132965208 or 09123652310 between 9am and 6pm or send an email to customercare@moneyinminutes.ng

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

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

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

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.

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

Kindly go to our website web.moneyinminutes.ng/r or download our mobile app to register and apply for a loan, quick and easy.

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.

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 customercare@moneyinminutes.ng

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.

If you experience any difficulties with your account registration or loan application, please contact customercare@moneyinminutes.ng 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.

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.

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.

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.

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.

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.

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.

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.

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 customercare@moneyinminutes.ng outside our regular business hours, we will be sure to get back to you as soon as possible.