At ZojaPay, we don't do one-size-fits-all. Every loan is built for exactly where you are. Pick the Loan that Fits You
OUR LOAN PRODUCTS
for your exact situation, emergency, goal, growth, or gap.
Zoja Quick Cash
Money in minutes.
14 days @ No Interest Rate
Up To ₦50,000 Instantly
Flexible Repayment over 1 month
Emergency funds, urgent bills, unexpected expenses. ZojaPay Quick Cash puts money in your account in under 10 minutes. No stress, no delay just fast credit when life doesn't wait.
Zoja Personal Loan
For the things that matter
≥ 5% Interest Rate per Month
Up To ₦250,000 Instantly
Flexible Repayment over 3 month
School fees, rent, medicals or a trip you've been putting off Zoja Personal Loan fits around your income and lifestyle with terms that actually work for you.
Zoja Salary Advance
Salary before payday
2.5% Interest Rate per Month
Up To ₦500,000 Advance
Flexible Repayment over 6 month
Don't let the month-end gap throw you off. Access a portion of your earned salary early and repay automatically when your salary lands — completely seamless.
Zoja Business Loan
To keep your business running
≥ 4% Interest Rate per Month
Up To ₦500,000
Flexible Repayment over 6 month
Your business has potential don't let cash flow slow it down. ZojaPay Business Loan gives entrepreneurs access to real working capital, industry purchase and expansion
From Application to Account. We Made the Process Easy for You
Apply on our website and receive your loan through the ZojaPay app it's one seamless process, split across two minutes.
Apply & Get Approved Online in Minutes
Complete your loan application on our website in under 2 minutes. Get an instant decision no paperwork, no branch visits, no wahala.
Download ZojaPay to Receive Your Funds
Your loan is approved and waiting. Download the ZojaPay app and complete the onboarding process your approved loan is ready to access.
Your Money. In Your Account. You’re Set
₦10,000 to ₦5,000,000 lands in your account. Check your balance, track repayment, and apply for your next loan all in one place.
Secured. Compliant. Accountable.
Stop Just Paying Bills.
Start Getting Paid.
Electricity, data, cable - download ZojaPay once and every bill you ever pay earns real cashback straight to your wallet. No points. No expiry. No stress.
DSTV Compact
₦10,800
+₦162.00 back
AIRTEL 10GB Data
₦3,500.00
+₦52.50 back
MTN 10GB Data
₦3,500.00
+₦52.50 back
EKEDC Prepaid
₦15,000
+₦225.00 back
DSTV Compact
₦10,800
+₦162.00 back
AIRTEL 10GB Data
₦3,500.00
+₦52.50 back
MTN 10GB Data
₦3,500.00
+₦52.50 back
EKEDC Prepaid
₦15,000
+₦225.00 back
Stop Just Paying Bills.
Start Getting Paid.
Electricity, data, cable - download ZojaPay once and every bill you ever pay earns real cashback straight to your wallet. No points. No expiry. No stress.
We Are Nigeria's Credit Partner.
We believe money should not be a privilege. Our platform removes the stress, and the judgement from the lending process.
From your first ₦10,000 emergency loan to your next ₦5,000,000 business capital injection we are here for every chapter of your financial story.
YOUR COMPLETE FINANCIAL TOOLKIT
Beyond Loans. Cards, Transfers, Bills - One App.
One app for everything apply for credit, pay your bills, send money, and spend anywhere with your Zoja card.
Your whole wallet, one tap away.
The Zojapay card works everywhere money moves - swipe at any POS terminal in Nigeria, pay on Amazon, Aliexpress, or any website worldwide, and freeze it in one tap if anything feels wrong.
Works at every POS Terminal in Nigeria.
Verve powered - shop globally.
Charged for your card delivery.
Your Money, Your Way
Secure Payment
Easy Delivery
Easy Control
Instant Transfer
Send money, in seconds
Send money anywhere in Nigeria. Instantly.
Transfer to any bank in Nigeria and it lands in under 10 seconds. Send to ZojaPay users at zero charges, 24/7.
Arrives in under 10 seconds
Any Nigerian bank supported
Free transfers to ZojaPay users
What our Users are Saying
See how everyday Nigerians are building, borrowing, and moving forward with ZojaPay.