Structured Travel Financing
Go Anywhere. Pay Your Way. Book flights, hotels, and travel packages now. Repay in a structured pre-travel and post-travel split — so you're never still paying for a trip you took months ago.
The Pre + Post Split.
Two-stage repayment designed around your travel timeline.
Scheduled before your departure date. Confirms commitment and reduces lender exposure.
Spread across 2–4 equal monthly instalments. Collected via ESDA or GSI.
Flights, Hotels, Visas, & More.
Your travel credit covers the full cost of your trip — not just the flight.
Flights
Domestic and international airlines.
Hotels
Accommodation and serviced apartments.
Transport
Airport transfers, car hire, ground transport.
Travel Insurance
Required for international trips — assigned to Zerne Capital.
Visa Fees
Application, processing, and embassy fees.
Packages
All-inclusive tours, excursions, events.
Business Travel
Conference registration, training fees.
Pan-African Trips
Travel within Africa — domestic and regional.
Travel Smart. Pay Smarter.
Structured Travel Financing is designed around your trip — not against your cash flow.
Travel Now, Pay Later
Book immediately without saving up the full amount.
Structured Timeline
Repayments aligned to your travel date, not arbitrary.
Competitive Limits
Travel credit up to your approved individual financing limit.
No Collateral
Verified income is all you need.
Partner Integrations
Bookings made directly with approved travel agents and platforms.
GSI-Backed Repayment
Automatic, reliable, no missed payments.
For Anyone Who Wants to Travel Without Depleting Savings.
Whether it's a family holiday, a business trip, or a solo adventure — if you have verifiable income, you can apply.
Salaried Workers
Planning annual or holiday travel.
Professionals
Attending overseas conferences or training.
Families
Planning domestic or regional holidays.
Entrepreneurs
Travelling for business development.
Anyone With Verifiable Income
Travel without depleting savings.
Same Requirements as Individual Financing.
Travel credit is drawn from your approved Individual Financing limit or issued as a standalone travel-specific limit where applicable.
Age 21–55
Same as Individual Financing eligibility.
₦50,000+/mo Income
Verifiable monthly income required.
BVN + Valid ID
Standard identity verification.
3–6 Months Bank Statements
Income verification documents.
Documents & Eligibility.
Most applicants have everything they need already. The whole application takes under 10 minutes.
Ready to Travel?
No branch visits. No hidden fees. Just a simple online application, a travel verification, and a structured split repayment plan.