Value Credit - loans with ease

Don’t get stuck for cash. Value Credit provides you with quick, reliable, and affordable loan just when you need it. All from your smartphone any time of the day. GET STARTED WITH JUST A TAP *Apply directly from the app in a minute. *Receive funds *Build your credit limit every time you repay a loan. LOAN AND INTEREST RATE: Value Credit provides loans for as low as N5,000. To access our loans, you must be at least 20 years of age. We may require that you provide a valid Government ID. Our minimum interest rate, determined by our credit scoring algorithm, is 3% per month and a maximum of 10% per month. This comes to an Annual Percentage Rate (APR) of 36% to 120%. REPRESENTATIVE EXAMPLE If you choose to borrow N10,000 (Principal) to pay back over a 6-months tenor at an interest rate and fees of 3% per month (36% APR), you will be paying back N1,966.67 every month for 6 months. At the end of the 6 months, you would’ve paid a total of N11,800. You won’t need any collateral or paperwork to get a loan from us. However, for loans beyond certain amounts, we may require additional documentation. ELIGIBILITY When processing your loan request for eligibility, we look at several information provided on the mobile app, including but not limited to your credit score and previous loan performance. You also need to be at least 21 years of age. We may also use your BVN to verify your identity. It is also required that loan applications be filled with the correct information as any false information could delay your loan request or cause your profile to be blacklisted. For cases of fraud, you may be reported to the authorities. Value Credit is a product of Value Driver Technology Solutions Limited, licensed as a Money Lender by the Ogun State Government of Nigeria.