PERSONAL LOANS

Public Sector Employee Loans

This is a product that offers personal loans through payroll lending to civil servants at the state and federal levels. PSPL is deduction-based, as repayments due to Whitecrust are deducted at source before salary payments are made to obligors.

• Facility range: NGN20;000 – NGN3;000;000
• Methodology: Individual
• Duration: 1-12 Months
• No personal guarantor is required for this loan
• Client must be a civil servant under State or Federal Government payroll
• No collateral
• No bank account opening required
• Flexible repayment structure

Apply online

Salary Advance

This loan was specially designed to help bridge the funding gap for employees with verifiable incomes in reputable organizations/blue chip companies to meet urgent personal needs.

Repayment is usually tied to their monthly income for flexible repayment period of up to 3 – 18 months duration. Salary Advance loan requires no collateral and is targeted at employees who live and work in Lagos only.

• Completed Online Application Form
• Last six (6) months bank statement evidencing salary payment
• Proof of Employment (for new customers)
• Utility Bill
• Postdated Cheques/Remitta from Salary Account
• Copy Of Employee Identification Card/Valid ID card

Apply online

Education Loan

This loan is designed for economically active parents/guardians who have the willingness to educate their children in private schools. This product is tailored to close the gap between the need of the child and what the parent can offer in regard to school fees/levies, uniforms, books and school bus fees.

• Loan range ‒ NGN20;000 – NGN200;000
• Grace period ‒ 1 Month moratorium
• Competitive Interest rate
• Repayment Mode ‒ Monthly
• Loan period ‒ Loan can be disbursed all year round

Apply online

Pay My Rent

“Pay My Rent” is a loan structured specifically for paid individuals, allowing them to access credit exclusively for the purpose of paying their house rent. This particular credit solution provides customers the opportunity to effectively manage their cash flows over the 12-month period it takes them to repay the loan.

• N200;000 – Maximum of N4;000;000
• One (1) year repayment period
• Turn-around time is within 2 days
• Bank statement showing last six months salary
• Copy of employment letter
• Passport photo; I.D. Card & NIN
• Tax Identification number
• Latest utility bill
• One (1) guarantor

Apply online

Travel Loan

Have you been thinking about the need to vacation or just want to take a trip for business, we have made access to funds that would make that dream happen for you. The Easy travel Loan brings comfort and ease to your travel experience. The Travel Loan will ensure your trip is hassle free with quick access to cash, no delays, no inconvenience, just ease!

• Last six (6) months salary bank statement
• Proof of employment (New Customers)
• Utility Bill/ I.D. Card
• Copy of data page of International passport.
• Postdated Cheques/Remitta from Salary Account

Apply online