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Get instant loans

Quick Loans, No Delays, No Hidden Fees.

Life is unpredictable, and we understand that. Whether your needs are personal or business-related, our loan application process guarantees swift access to loans.

Licensed by the CBN


Deposits insured by


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See our impact

Quick access to loans for everyone

We offer different loans for different needs, the choice is yours

Personal/Individual loans

Spending is inevitable. But we can help you put money away every time you transact.

Agent/Merchant loans

Agents enjoy daily cash access and instant disbursement upon tier qualification.

Business loans

Businesses get immediate funds upon eligibility.

It's just a few clicks away

You're one step closer to getting the loan you need. You're in control.

Getting started

How it works

Get a loan that treats you right. Choose how much you want to borrow and for how long. Choose a repayment date that suits you, and change it if you need to (there's no fee!).

Click the button below to send a mail to our operations team.

The team will verify your eligibility status and will respond with a loan offer

Enjoy loans that are fully transparent

We believe in full transparency, ensuring that our customers are well-informed about interest rates, fees, and any other important detail.

If you get






for a period of






your monthly repayment will be


No hidden interests

Life happens and getting a loan is nothing to be ashamed of. Know upfront exactly what you'll pay, with any interest broken down and no hidden costs. And you'll always have a clear plan to pay back.


Kind words from our customers

We’re here to help you create the life you want. So, join our community of people who have trusted us with their money needs.

Why didn't I find out about Dot sooner? Their banking services have simplified my life in ways that I never thought was possible.


Imole Adewunmi

Business Owner

I had my doubts about using a new fintech for my banking needs. But Dot exceeded all expectations. User-friendly & transparent.


Johnson Chukwudi

Spare Parts Dealer

I never thought I would speak about a bank this much, but here I am! Dot's financial services saved me hundreds.


Bolanle Fatai

Mother and Shop Owner