Cash loans
Money for what life throws at you, paid into your bank account.
- Rent and school fees
- Medical bills and emergencies
- Business, travel and more
Salary-backed loans for working Nigerians
Loans that work around your payday.
Borrow cash or finance the things you need, then repay in fixed monthly amounts taken straight from your salary. No due dates to chase, and your balance is always one tap away.
- Repaid from your salary
- Rates shown before you confirm
- Track every naira in the app
Loans
Credit that fits real life
Whether it's this term's school fees or a new fridge, borrow what you need and pay it back from your salary in equal monthly amounts.
Asset financing
Get the item you need now from our catalogue and spread its cost over the months ahead.
- Choose from listed items
- Fixed monthly deductions
- Same rates you see upfront
Top-ups
Need a little more? Add to your running loan without starting a new application.
- Cash or an item
- Folded into one deduction
- Request it from your dashboard
Know before you borrow
See your monthly deduction
Move the slider and pick a tenure. The numbers use our current rates, the same ones you'll see when you apply.
₦50,000₦2,000,000
Your monthly deduction
—
for 12 months, straight from your salary
- Paid to your bank
- —
- Interest (monthly)
- —
- Management fee (one-time)
- —
- Total you repay
- —
An estimate at today's rates. Your tenure and final figures are confirmed when your loan is approved, and you see every rate before you confirm a request.
How it works
From sign-up to salary deduction in four steps
- 1
Create your account
Sign up with your email or phone number. It takes a couple of minutes.
- 2
Add your work details
Tell us where you work, your payroll details and the bank account you want paid into.
- 3
Request your loan
Pick cash or an item. You see the interest and fees before you confirm anything.
- 4
Get paid, repay automatically
Once approved, the money goes to your bank. Each month's deduction comes off your salary.
Your loan, in plain sight
Always know where you stand
Your dashboard shows every naira: what you borrowed, what's been deducted and what's next. No calls, no guesswork.
Your balance, live
What you owe, what you've repaid and what's left, updated as each deduction lands.
No surprise deductions
See next month's deduction and the last one received, side by side.
Statements on demand
Generate your loan statement any time; we email it to you when it's ready.
Updates as they happen
Get notified when your request is reviewed, your money is sent and repayments arrive.
Security
Your account is locked down by default
We use the same sign-in protections as modern banks, and we will never ask for your password or codes over the phone.
Passkey sign-in
Sign in with your fingerprint or face, with no password to steal.
Two-factor authentication
Add an authenticator app or codes to your email or phone.
You control your sessions
See every device signed in to your account and sign the others out.
Verified changes only
Changing your email or phone number needs a code sent to the new one.
Who can apply?
Salary earners whose pay MicroBuilt can deduct from through their employer's payroll, mostly public servants. When you sign up you add your employer and payroll details, and we confirm them before your first loan.
How do I repay?
You don't have to do anything. A fixed amount comes off your salary each month until the loan is cleared, through your employer's payroll.
What does a loan cost?
A monthly interest rate on the amount you borrow, spread evenly over your deductions, plus a one-time management fee taken from the money we pay out. Every rate is shown before you confirm a request, and a running loan keeps the rates it was approved with. The repayment estimator on the home page uses today's rates.
What if a month's deduction falls short?
If payroll deducts less than expected, or nothing (for example when salary is delayed), the amount that wasn't covered stays on your balance and a default charge is added on it, at the rate shown when you applied. You'll see it on your dashboard, and you can pay the shortfall yourself from the Repayments page so it doesn't grow.
Can I borrow more while a loan is running?
Yes. Request a top-up of cash or an item from your dashboard. The team reviews it like a new request, and once it is paid out your balance and monthly deduction are worked out again, as one deduction.
How long does approval take?
Our team reviews every request, and you're notified in the app as soon as yours is approved and again when the money is sent to your bank.
Your next loan is a few minutes away
Create your account, add your work details and send your first request today.