FINT – online loan Nigeria
Online loans up to ₦2,000,000 with 24-hour disbursement and 2% monthly interest.
Applying does not commit you to a loan agreement.
Screenshot of https://www.fint.ng
FINT – Peer-to-Peer Lending Platform Nigeria
FINT (FINT Technology Africa Limited) is a Nigerian financial technology company that operates a peer-to-peer (P2P) lending marketplace, connecting individual borrowers with investors who fund their loans. Launched in Lagos, FINT received regulatory recognition from the Securities and Exchange Commission (SEC) of Nigeria as one of the earliest P2P lending platforms in the country. The platform uses technology to match creditworthy borrowers with investors seeking returns above traditional savings rates, creating a mutually beneficial lending marketplace.
FINT offers personal loans ranging from ₦150,000 to ₦5,000,000 with repayment terms of 3 to 12 months. Monthly interest rates start from 2%. Borrowers apply online through the FINT website, providing BVN, employment details, bank statements, and payslips. FINT's credit team evaluates the application and assigns a credit grade. Once approved, the loan listing is posted on the marketplace for investors to fund. Disbursement typically occurs within 2 to 5 working days after the loan is fully funded.
FINT is regulated under Nigerian SEC guidelines for digital lending platforms. The P2P model means loan availability depends on investor participation, which can sometimes result in longer funding times compared to direct lenders. All borrower information is secured using bank-grade encryption. FINT is best suited for employed professionals who need medium-term personal financing and can wait a few days for their loan to be funded on the marketplace.
✓ Pros
- SEC recognised P2P platform
- Loans up to ₦5,000,000
- Competitive rates from 2% per month
- Investment opportunity also available
- Suitable for larger personal loans
✗ Cons
- Loan availability depends on investor funding
- Processing may take 2-5 working days
- P2P model less predictable than direct lenders
- Limited to employed individuals with verifiable income
Loan example
Representative example: A personal loan of ₦500,000 over 6 months at 2% monthly interest. Monthly repayment approximately ₦88,121. Total amount repayable: ₦528,726. Total interest: ₦28,726.
Loan requirements
- ✓ Valid government-issued ID
- ✓ BVN
- ✓ Active Nigerian bank account
- ✓ 3 recent payslips
- ✓ 3-6 month bank statement
- ✓ Employment confirmation letter
Loan features
- P2P personal loans from ₦150,000 to ₦5,000,000
- Terms 3 to 12 months
- Interest from 2% per month
- Investment returns of 18-30% per annum for investors
- SEC regulated platform
- Online application
Frequently asked questions
24 hours after submitting your application.
The minimum amount at FINT is ₦2,000.