Individual Financing
Your Goals Don't Wait. Neither Should Your Money. Structured personal credit for salaried workers and income earners — no collateral, no branch visit, repay at source.
Core Consumer Credit. Built for Everyday Nigerians.
Individual Financing is Zerne Capital's core consumer credit product. It gives salaried workers and individuals with a verifiable income source a revolving credit limit they can draw on at any time — at partner merchants online or offline — and repay in fixed monthly instalments.
Unlike a bank loan, there is no collateral, no branch visit, and no weeks-long waiting period. Your income is your qualification. Your BVN is your verification. And your credit limit is available the moment you're approved.
Key Features
Built Around Your Income. Not Against It.
Instant Access
Credit available within minutes of approval.
No Collateral
Your income history is all you need.
Flexible Repayment
Spread payments across 1 to 6 months.
Responsible Limits
Capped at 30–50% of your 3-month income.
Grows With You
Limits reviewed quarterly as your income grows.
GSI Repayment
Automatic deductions — no missed payments.
Wide Merchant Coverage
Electronics, fashion, groceries, services, and more.
Your Limit Is Based on What You Earn.
Capped at 30–50% of your 3-month average income. Reviewed quarterly.
If You Earn a Regular Income, You Qualify.
Both formally employed and self-employed individuals with verifiable income are eligible.
Age 21–55
Both formally employed and self-employed individuals are eligible.
₦50,000+/mo Income
Verifiable monthly income from salary or business.
BVN-Linked Bank Account
Active account with at least 3 months of activity.
Valid Government-Issued ID
NIN, international passport, or driver's licence.
3–6 Months Bank Statements
Or payslips if formally employed.
Four Steps to Your Credit.
The entire process takes under 5 minutes. No branch visit required.
Apply Online
Fill in your details at capital.zernegroup.com in under 5 minutes.
Receive Your Limit
Get your personalised credit limit instantly after verification.
Shop at Approved Merchants
Use your credit online or in-store at partner merchants.
Repay Automatically via GSI
Automatic deductions on agreed dates — no surprises.
What You Can Use It For.
Your credit limit is flexible. Spend it on what matters most to you.
Electronics
Smartphones, laptops, TVs, tablets, accessories.
Home & Appliances
Fridges, generators, washing machines, furniture.
Health & Medical
Hospital bills, optical, dental, gym membership.
Education
School fees, uniforms, textbooks, online courses.
Fashion & Personal
Clothing, shoes, bags, grooming essentials.
Groceries & Home
Household supplies, food items, everyday needs.
Documents & Eligibility.
Most applicants have everything they need already. The whole application takes under 10 minutes.
Typical Decision Time
From complete document submission. Not instant — but far faster than any bank.
ESDA for Salaried Staff
Your employer signs alongside you. They deduct your instalment before net pay — eliminating missed payments entirely.
Loan Calculator
Indicative rate. Final rate confirmed at underwriting.
Monthly Payment
₦52,500
1 month
Total Interest
₦2,500
Total Payback
₦52,500
Rates are indicative. Final rates depend on your risk profile and product terms.
Ready to Apply?
No branch visits. No collateral. No hidden fees. Just a simple online application, a verified income check, and a decision.