Public Sector Loans
Collateral-Free Loans For Civil Servants
Access fast, affordable loans designed for government employees — with easy repayment through automatic salary deductions, stress-free and compliant.
State Loans
Trusted Salary-Based Loans For State Employees
Get affordable financing tailored for state civil servants in approved partner states. With simple requirements, fast approval, and automatic salary deductions, managing financial needs becomes easier and stress-free.
Federal Loans
Fast, Easy Loans Tailored For Federal Employees
Access secure and convenient loans designed exclusively for federal civil servants, including employees of the Nigeria Civil Service & MDAs. Enjoy quick processing, fair rates, and repayment deducted seamlessly from your salary.
Required Documents
Essential Documents Needed
Submit these items to verify identity and process your loan quickly.
Valid Government ID
Applicants must be confirmed staff of a recognized organization. This ensures stability and eligibility for repayment scheduling.
Last 3 Months Salary Statement / Payslips
Helps verify income stability and repayment capacity.
Recent Utility Bill
Confirms your current residential address (within 3 months).
Completed Application Form
Provides your personal and loan request details for processing.
Employment Confirmation (Where Applicable)
Validates your current employment status with your institution.
Estimate Your Monthly Repayments
Adjust the sliders to see how much you’ll pay each month
₦50,000
₦100,000
3 months
Monthly Payment
Total Payable
Total Interest
Smart Loan Calculator
Use our Smart Loan Calculator to estimate repayments, compare terms, and find a plan that fits your budget.
Key Benefits
Benefits of Public Sector Loans
Public Sector Loans offer easy access to funding with simple requirements, flexible repayment, and no collateral.
No Collateral Required
Get approved without using assets as security.
Salary-Based Repayment
Repay automatically through salary deductions for convenience.
Flexible Tenor Options
Choose repayment duration that fits your financial comfort.
Competitive Interest Rate
Enjoy fair pricing that keeps total cost affordable.
Fast Approval
Quick processing with minimal paperwork and stress.
Ready to Access Salary-Based Financing?
Apply now and get quick, affordable funding designed exclusively for civil servants — with simple documentation, easy repayment through salary deductions, and zero collateral required.
How It Works
Access Funds in 4
Simple Steps
Applying for your Public Sector Loan is fast, simple, and transparent. Follow these steps to secure the funds you need — without stress or complicated requirements.
Step 1
Apply Online
Submit your loan request through our portal.
Step 2
Get Evaluated & Approved
We assess your details and approve within 24–72 hours.
Step 3
Sign Agreement
Complete documentation and sign your loan terms.
Step 4
Receive Funds
Funds are disbursed directly into your salary account.
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