Loans for individuals

Credit that moves as fast as you do.

Personal loans and salary advances with clear pricing, quick decisions and repayments that fit your life.

Check your eligibility See how it works
Apply for a loanStart online in a few minutes Check eligibilitySee what you could borrow Repay a loanEasy, flexible repayment options Get supportAnswers and help when you need it

Find the right loan for you

I am looking for

of to repay over

Estimated monthly repayment

₦51,742/ month

Illustrative estimate for ₦500,000 over 12 months.

Total to repay
₦620,904
Total interest
₦120,904
Illustrative rate
3.5% / month
Start application

Figures are illustrative examples only. Your actual rate, fees and repayment depend on your credit assessment and the loan product you are approved for.

Our loans

Loans built around your life

Pick a product to see an estimate. No obligation, and no paperwork until you decide to apply.

How it works

From application to funds in four simple steps

We keep the process short and clear, so you always know what happens next.

Apply now

  1. Tell us what you need

    Choose a loan, amount and repayment period. See your estimated repayment before you commit.

  2. Verify your details

    Share your ID and proof of income securely online. Businesses add their registration documents.

  3. Get your decision

    We review your application and come back with a clear offer, including the full cost of the loan.

  4. Receive funds and repay your way

    Once you accept, funds go to your account. Repay monthly with reminders so you never miss a date.

Why BB Credit

Borrowing should feel clear, not complicated

  • Transparent pricing

    See your repayment, total cost and interest up front. No surprises later.

  • Quick decisions

    A simple online process that respects your time, from application to offer.

  • Flexible repayment

    Choose a repayment period that suits your income and budget.

  • Secure and private

    We use industry-standard security to keep your personal and financial information protected.

Decision time
24hrs

Typical turnaround once documents are complete

Repayment periods
1–48months

Pick the term that fits your plan

Application
100%

Online, from your phone or computer

Questions

Answers to common questions

Who can apply for a BB Credit loan?

Adults with a verifiable source of income and a valid means of identification can apply. Businesses need to be registered and able to show trading activity. Exact requirements vary by product.

How long does a decision take?

Once your application and documents are complete, we aim to give you a decision within one working day. Larger or more complex requests may take a little longer.

What documents do I need?

Individuals typically need a valid government-issued ID, proof of income such as payslips or bank statements, and proof of address. Businesses also provide registration documents and recent business bank statements.

What will my loan cost?

Your rate depends on the product, amount, repayment period and your credit assessment. We show your monthly repayment, total repayable and interest before you accept an offer.

Can I repay my loan early?

Yes, you can repay early. Check your loan agreement for any early-repayment terms that apply to your product.

How is my information protected?

We use industry-standard security to protect your personal and financial data, and we only use it to assess and service your loan. See our privacy notice for full details.

Ready when you are.

Check what you could borrow in under a minute. No commitment.

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