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Up to ₦20M · No collateral · 5-minute approval
Borrow boldly.
Repay easily.
Live your plans.
MAVI Finance gives Nigerian salary earners access to up to ₦20,000,000 in personal loans — no collateral, no guarantor, no stress. From application to disbursement in under five minutes.
₦
Chidinma got ₦2.4M
Approved in 3m 42s · Lagos
₦48B+
Disbursed to customers
1.8M
Nigerians served
36+1
States & FCT
<5min
Average disbursal
Licensed · Connected · Compliant —
Money Lenders Licence (FCT)
NIBSS Connected
NDPR Compliant
CRC Credit Bureau
FirstCentral Member
Our loans
Built for every kind
of Nigerian worker.
We lend to salary earners across the private, federal, state, and paramilitary sectors — plus BNPL at 500+ shops. Different products, same quick, fair, no-stress process.
Private Sector
₦20Mmaximum
Private sector workers.
For salary earners at private Nigerian companies. Up to ₦20 million, repayable over 24 months, no collateral or guarantor required.
Learn more →
Federal Employees
₦15Mmaximum
Federal workers on IPPIS.
For federal government staff paid via IPPIS. Repayment comes directly from your salary — the safest, simplest way to borrow.
Learn more →
State Workers
₦10Mmaximum
State civil servants.
We partner with 24 state governments across Nigeria to give civil servants credit that respects their payroll rhythm.
Learn more →
Paramilitary
₦8Mmaximum
Those who serve.
Police, NSCDC, Immigration, Customs, Corrections, FRSC. Respectful credit for men and women keeping Nigeria safe.
Learn more →
Buy Now, Pay Later
₦2Mshopping credit
Shop today. Pay in bits.
Get up to ₦2 million in shopping credit at 500+ partner stores across Nigeria — from Shoprite to small neighbourhood merchants. Spread payments across 3, 6, or 12 months. No upfront hassle.
Learn more →Loan Calculator
See your repayment before you apply.
Move the sliders. We'll do the maths in real time — and you'll see exactly what you'll pay every month. No surprises.
Fixed rate
No early repayment fees
Loan Amount₦ 1,500,000
₦1,500,000
Tenure12 months
Monthly Payment
₦139,583
Total Repayment
₦1,675,000
How it works
Four steps to your money.
Everything happens inside the app. Most customers get disbursed before they finish their next cup of coffee.
01 · Sign up
Create your account
Download the app, verify your BVN, and set up your profile in under 2 minutes.
02 · Apply
Tell us what you need
How much and for how long. Upload a payslip or link your salary account.
03 · Approve
Get a decision fast
Our engine checks credit, affordability, and identity in seconds — not days.
04 · Receive
Money in your bank
Funds land in your Nigerian bank account immediately after approval.
Customer stories
Trusted by 1.8 million Nigerians — and counting.
"
I applied during my lunch break and had the money before I got back to my desk. MAVI changed what I thought was possible.
Aisha Bello
"
I have used three other lenders. MAVI is the only one that didn't embarrass me. Clean app, honest rates, staff that actually know what they're doing.
Chike Okonkwo
"
When my daughter's school fees were due, MAVI came through in 4 minutes. No embarrassment at the school gate.
Tunde Adedayo
The MAVI App
Your loan.
Your phone.
Five minutes.
Apply, track, repay, and top up — all from a single app that works even on shaky networks. Available on iOS and Android.
