Get your loan in minutes!

SmartLoan is the easiest, safest and most trusted way to get it.

Always Available

Apply for a SmartLoan loan, anywhere, at any time on any device.

Data Security

All data provided on our website is safe and encrypted using SSL technology.

No Hidden Charges

We tell you fees upfront before you apply. No added costs to taking a SmarttLoan loan. Now, we only operate within Plateau with plans to expand to various states nationwide anytime soon.

How It Works

SmartLoan is an entirely online lending platform designed from the ground up to serve your needs. When you need money now, SmartLoan is the easiest, safest and most trusted way to get it. SL is a consumer finance initiative powered by Infocrest Cooperative. We are committed to providing consumer credit to our target market in the most efficient and convenient manner while ensuring best practices. We provide Cash Loans to individual, groups and offer Point of sale finance for consumer goods and appliances in partnership with retailers across Plateau.

How it works

Introduce Yourself
We’d like to get to know you better. Fill out our brief application form with your information and we’ll review immediately. To register and apply for a loan, all you need to do is:

Money in Your Account

Once approved, funds are typically received within 1 - 3 business days. If your application is unsuccessful, we will inform you of the reason(s) as you may still be eligible for a loan.

Repay Your Loan

Making on-time repayments can grant you access to higher credit limits for your next loan. If you have any questions regarding our Mobile App, have a look at our Frequently Asked Questions (FAQs).

1 Sign up on our platform

2 Enter the requested details

3 Complete the loan application form and apply

Your details are safe with us - all information you provide is encrypted for your security and confidentiality.

About Us


SmartLoan is a simple, entirely online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. You can apply for a SmartLoan loan 24 hours a day, 7 days a week with our quick application process that lets you know your status within minutes.We’re here to help you when in need, but you should not take out a SmartLoan loan for long-term borrowing or if you are in serious financial difficulty.

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Contact Us

Frequently Asked Questions

How does it work?

Complete our 100% online application in minutes and submit. We’ll review your information and communicate a decision to you within minutes. If approved, you will receive funds directly into your preferred bank account within 72 hours of loan approval.

How much can I borrow from SmartLoan? For how long?

For your first loan, you can borrow up to ₦10,000 for a period of up to 30 days. You decide how much you want and how long you want it for. Once you have paid your first loan on time, the possibility of you receiving a higher credit limit increases. The more times you take a SL loan and repay successfully, the more we can lend to you.

How do I apply?

Sign in to identify yourself and this will take you to our brief registration & application forms. Complete an application with valid information, then use our calculator to determine how much you would like to borrow and view your expected repayment(s). Submit your application and we will notify you instantly of the loan decision.

How do I repay my loan?

We’ve made it as easy as possible for you to repay your SL loan. On your due date, your payment will conveniently be deducted from the account linked to the debit/ATM card provided during your loan application.

I have never previously used my debit/ATM card for an online transaction. How can I setup on SmartLoan?

Depending on your card type, you may need to enable your debit card for online transactions prior to completing setup on SmartLoan.

I was approved for a loan, why have I not yet received my funds?

For your convenience, we’ll deduct your repayment automatically on your due date. Your debit/ATM card needs to be setup in order for your funds to be disbursed to your account. Please click 'Setup Card' in the app to add a card to be used for repayment.

Please note: you may need to have at least NGN100 in the account linked to the card for setup to be successful.

My loan status is ‘Disbursed’, but I am yet to receive funds in my account.

Funds are typically received within 72 hours of loan approval. Please let us know if you have not received the transfer after that period. However, we also advise that you check your account balance directly as credit alerts are not always received with transfers.

Why is my Bank Verification Number (BVN) required?

We request your BVN as this is used to verify that the individual applying for a SmartLoan loan is the same as the owner of the provided bank account. This is to ensure that your details cannot be used to apply for a loan without your authorization in the event a 3rd party has access to your account details. Please note: Your BVN does not provide access to your account. If in doubt, we encourage you to confirm this from your bank before you proceed.

I don’t know my BVN. What do I do?

Just dial *565*0#. Please note: This will only work if you are making the request from the same phone number currently linked to your bank account

What documents do I need to submit?

You do not need to submit any documents to get a SmartLoan loan. We’ll just ask you for some basic information so we can get to know you better. All you need is a compatible personal mobile device to use the app and a functional BVN-linked bank account to receive funds in, and a valid debit/ATM card for loan repayment.

Can I make an early repayment? If I make an early repayment, will I pay less?

Early repayments are accepted and you can apply for a new loan immediately your previous loan is paid off. However, please note that early repayment does not imply that the terms of your loan obligation will change. Your repayment terms are fixed at the point of loan application and the total amount to be paid is not changed by an early repayment.

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