Financial Inclusion
Naira9ja plays a significant role in promoting financial inclusion by extending credit to individuals who were previously excluded from the formal banking system.
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=104,h=105,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4a3-4-ae-meP5x4WV5ecpba3l.png)
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=96,h=95,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4a3-4-ae-meP5x4WV5ecpba3l.png)
Flexible Loan Amounts
Borrowers can often choose loan amounts based on their specific needs, whether it's a small amount for daily expenses or a larger sum for a major purchase.
Repayment Flexibility
Naira9ja offers flexible repayment options, allowing borrowers to choose the loan tenure that best suits their financial situation.
Credit Building
Naira9ja's credit system helps borrowers build a positive credit history, which may be useful for accessing larger loans in the future.
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=104,h=105,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4adegao-AzGjX5aVjktGjED1.png)
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=88,h=88,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4adegao-AzGjX5aVjktGjED1.png)
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=104,h=105,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4e-ae-A3Qa2vykaxIlv4q8.png)
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=93,h=94,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4e-ae-A3Qa2vykaxIlv4q8.png)
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=104,h=105,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4a-r-a-mnlnWDXVn2hbMwVl.png)
![](https://assets.zyrosite.com/cdn-cgi/image/format=auto,w=90,h=90,fit=crop/AQEVe8llnXtQj2W2/aossaa1-4a-i1-4a-r-a-mnlnWDXVn2hbMwVl.png)
Why choose Naira9ja
Step 1: Identify Your Financial Needs
Determine why you need a loan and set clear financial goals.
Step 2: Apply
Complete the lender's application process, providing required information.
Step 3: Wait for Approval
Await the lender's decision; approval times vary.
Step 4: Receive Funds
Upon approval, receive the loan funds.
Step 5: Manage Responsibly
Use the funds wisely and make on-time payments.
How to use Naira9ja
Naira9ja Loan info:
1. Top level: ₦5,000 ~ ₦500,000
2. Time of loan: More than 91 days while the longest time is 365 days
3. APR: Maximum12% - Minimum50%
4. Service Fee: 0%
For example:
If your loan level is ₦8000.
Payment period is 180days, and the APR is 39.6%;
The total Interest should be ₦8,000 * 39.6%/2 = ₦1584.
And the total repayment amount should be ₦8,000+₦1584=₦9584.
APR: 39.6%
If you choose to make a one-time repayment, then you will make a one-time repayment of ₦9584 after 180 days.
If you choose to make monthly repayments, your monthly repayment amount will be ₦9584/6 = ₦1597.4