Personal / Loans
Loans you can actually repay
Salary loans from ₦50,000 to ₦5 million over 3 to 36 months. We check that repayments stay under a third of your income.
01 / Calculator
Work out a repayment
Example rate 28 percent a year, reducing balance.
Monthly repayment, example
₦0
02 / Types
Loans for different needs
Salary loan
For salaried workers whose salary comes to Ardent.
Rent loan
Pay a year of rent, repay monthly over 12 months.
School fees loan
Paid straight to the school, repaid over a term or a year.
Agric input loan
Repaid after harvest. See agric finance.
03 / Process
From application to money
Apply
Online, in the app or at a branch, with your ID, BVN and payslip.
Check
We check your income and existing loans. Repayments must stay under a third of your income.
Offer
A written offer with every charge shown. Nothing to sign until you agree.
Money
Paid to your Everyday account, usually within two working days.
Questions
Questions people ask
Do you charge a management fee?
A one-off fee of 1 percent of the loan (example), shown on the offer.
Can I repay early?
Yes, with no penalty, at any time.
What if I cannot pay one month?
Call us before the due date. We can restructure the loan instead of adding penalties.
Next
Talk to a loans officer
At any branch, by phone or in the chat.