Personal Solutions
Get the cash you need — when you need it
Consumer loans for salary earners across Nigeria
Whether it's an emergency, school fees, or a personal project — our consumer loans are designed to get money into your hands fast, with a repayment plan that works around your salary.
Your details are secure and never shared with third parties.
Who Can Apply
Essential quick cash are available to structured and well-run private organizations that Essential Finance has signed a Memorandum of Association with. Access a quick cash of up to ₦2.5million with a 12 to 18 months repayment and lower interest rate. Repayments are made monthly from your salary and will be deducted at source.
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Fast Access to Funds
Receive your funds promptly upon approval. -
Dedicated Relationship Support
A dedicated Direct Sales Executive will be assigned to provide personalized support and attend promptly to your needs. -
Simple & Flexible Documentation
Enjoy a seamless and stress-free process with minimal and flexible documentation requirements. -
Instant Disbursement
Approved funds are disbursed directly and securely into your nominated bank account.
Interest Rate
5%
flat per month
Management Fee
4%
one-off charge
Requirements
Completed loan application form
Completed loan application form
Passport photograph
Passport photograph
Valid identification (Work and National)
Valid identification (Work and National)
Cheques
Cheques
Four simple steps to your loan
Check Eligibility
Fill out the quick form above to see if you qualify based on your employer and salary range.
Verify
An agent contacts you within a few hours to verify details and confirm your eligibility.
Sign and Get Approved
Upload your relevant details. Our team reviews your application and contacts you with confirmation.
Receive Funds
Once you accept, funds are deposited directly into your bank account.
Partnerships that help us
serve you better
We work with trusted institutions and ecosystem partners to make access to finance simpler, faster, and more reliable.
