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Instant 30-Day micro-loans of up to 100k to grow your business.

Take your business to higher levels with quick, no-collateral microcredit from as little as ₦20K to ₦100K. We are making micro-loans easy, accessible and convenient for all

Find a Personal Banker

Become a Personal Banker

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Simple Investment with great returns

Grow with ease
Grow with ease

Doing business is easier with AjoCard loans. Approvals are completed in seconds and our network of AjoCard Personal Bankers disburse directly to you.

No collateral
No collateral

Get instant cash loans without filling multiple forms, providing collateral or bank statements.

Pay back conveniently
Pay back conveniently

Loan repayments are collected everyday by your AjoCard lending personal banker, wherever you are.

How does it work?

how does it work image

Step 1

Contact your AjoCard Personal Banker and request for a loan.


Step 2

Customer agrees on loan amount and provides a guarantor.


Step 3

Customer pays total upfront fees (i.e. interest amount + processing fees).


Step 4

Loan is approved via the app and value is disbursed through the PB in less than five (5) minutes.

Frequently asked questions?.

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Become a Personal Banker

Download the AjoCard app to get started!

Get AjoCard app on google playstore
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AjoCard Limited [RC NO. 7256303] is a fintech solutions firm licensed by CBN