FAQs
Frequently Asked Questions
Find answers to common questions about our loans, investments, and services
Hallmark Finance Company Limited is a non-bank financial institution established in 1991, providing loans, investments, and leasing services to individuals, SME businesses, and public sector workers across Nigeria.
Yes, Hallmark Finance Company Limited is licensed and regulated by the Central Bank of Nigeria (CBN).
Our head office is located at 5A Sawyer Crescent, Anthony Lagos. We also have branch offices in key cities across Nigeria.
We combine professionalism, integrity and service excellence — ensuring quick approvals, minimal documentation, and a legacy of trust since 1991.
Our Products are available to individuals and MSME businesses.
Our loan products include Personal Loans, SME Loans, Asset Financing and Car-Backed Loans.
You can apply online via our website, visit any of our branches, or speak with our representative to start your loan application process.
Requirements vary by loan type, but generally include a valid ID, recent passport photograph, bank statement, and proof of income or employment.
Once your documents are complete, loan approval typically takes 24–48 hours.
Some loans are collateral-free (public sector loans), while others require security such as a vehicle or asset.
Our interest rates are competitive and depend on the type of loan, loan amount and duration.
Yes. Early repayment is allowed and often comes with benefits such as reduced interest or improved credit standing.
If a payment is missed, you’ll be contacted immediately. Penalties may apply for prolonged defaults, and repayment plans can be restructured if necessary.
We offer Fixed Deposit and other savings products with attractive interest rates and flexible tenures.
You can apply online via our website, visit any of our branches, or speak with our representative to start your loan application process.
Your investments are 100% secure. Hallmark Finance is regulated by CBN, and all funds are managed under strict compliance and transparency policies.
Returns are paid directly into your registered bank account either monthly, quarterly, or at maturity — based on your preferred plan.
Yes, though early withdrawal may attract penalty which would impact the final interest amount.
Yes, we cater to both individuals and corporate investors seeking short- or long-term investment solutions.
Federal and state civil servants, as well as employees of approved public institutions, qualify for our public sector loans.
No. Our public sector loans are collateral-free and repaid conveniently through salary deductions.
Loan amounts vary depending on your salary, repayment capacity, and eligibility.
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