C24 – online loan Nigeria
Online loans up to ₦5,000,000 with fast approval in 5 minutes.
Applying does not commit you to a loan agreement.
Screenshot of https://c24ng.com
C24 – Consumer Loans Nigeria
C24 Limited is a Nigerian consumer finance company based in Ikeja, Lagos, that provides personal loans and salary advance facilities to employees and self-employed individuals. Founded to bridge the credit gap for working Nigerians, C24 uses a combination of traditional credit assessment and digital processes to offer accessible personal financing. The company serves customers primarily in Lagos and other major urban centres, offering a human-centred approach to lending with dedicated loan officers and customer support teams.
C24 offers personal loans from ₦50,000 to ₦2,000,000 with repayment terms of 3 to 18 months. Monthly interest rates start from 16% per annum (approximately 1.33% per month). Loans can be applied for online through the C24 website, by phone, or in person at their office in Ikeja, Lagos. Required documentation includes a valid ID, 3 months' payslips, bank statement, and employer confirmation. For self-employed applicants, business registration documents and evidence of income are required. Approved loans are typically disbursed within 24 to 48 hours of successful document verification.
C24 operates as a regulated consumer finance company within the Nigerian financial services framework. The company is transparent about its loan costs and provides a full breakdown of interest and fees before loan acceptance. C24 is a suitable option for Lagos-based salary earners or small business owners seeking medium-term personal financing with a personalised service experience. If you are outside Lagos, check whether C24 can serve your location before beginning the application process.
✓ Pros
- Personal service with dedicated loan officers
- Loans up to ₦2,000,000
- Transparent about total loan costs
- Online and in-person application
- Available for self-employed applicants
✗ Cons
- Primarily Lagos-based operations
- Processing 24-48 hours
- Limited branch network outside Lagos
- Interest rate higher than commercial banks
Loan example
Representative example: A personal loan of ₦200,000 over 6 months at 16% per annum (1.33% monthly). Monthly repayment approximately ₦34,577. Total amount repayable: ₦207,462. Total interest: ₦7,462.
Loan requirements
- ✓ Valid government-issued ID
- ✓ BVN
- ✓ 3 recent payslips (or business income proof)
- ✓ 3-6 month bank statement
- ✓ Employer confirmation letter
- ✓ Active Nigerian bank account
Loan features
- Personal and salary advance loans
- Loans from ₦50,000 to ₦2,000,000
- Terms 3 to 18 months
- Interest from 16% per annum
- Online, phone and in-person application
- Disbursement within 24-48 hours
Frequently asked questions
5 minutes after submitting your application.
The minimum amount at C24 is ₦50,000.
How to log in and sign up to C24
C24 is used through its official app and website (c24ng.com). To sign up, download the official C24 app or open its website, then register with the details requested — usually your phone number and BVN — and complete the short verification. To log in, open C24 and sign in with the phone number or email you registered with. Never share your login code, OTP or PIN with anyone, and only use the official C24 channels.
C24 customer care and contact
For help with your account, repayments or complaints, contact C24 through the support options inside the official app or on c24ng.com. C24 is operated by C24 Limited. Be cautious of anyone asking for an upfront "processing", "clearance" or "insurance" fee before disbursement — legitimate lenders deduct any fees from the loan, never before it. You can also compare C24 with other lenders before you decide.