The Lendr45 app comes in eight brand themes, in light and dark. Try them here.
Get a personal credit limit in minutes, see every naira of the cost before you accept, receive money straight into your bank account and repay your way. No hidden fees. No surprises.
Lendr45 was designed around one idea: you should always know exactly what you're agreeing to, and feel in control from the first tap to the last repayment.
Hidden fees. Interest, every fee and your total repayment are on the offer before you sign.
PIN to sign in and sign agreements, plus control of every device on your account.
Penalties for repaying early. Pay in full, or in parts, whenever you like.
Access to your loan, schedule, history and support from your phone.
Scroll through the app. Every screen is designed to be clear, calm and quick.
Create your account with your phone number and a 6-digit PIN, then confirm it's really you with your BVN and a quick selfie. We ask for your consent first, and explain exactly why.
See what you can borrow at a glance. Your limit is worked out from your profile and your repayment record, and it can grow as you repay on time.
Choose a loan, an amount and a repayment period. Your offer shows the principal, interest, each fee, the total you'll repay, the APR and every due date. Accept by signing with your PIN, and keep a copy of the agreement in the app.
Once you accept, the money is sent to your verified bank account and you can follow it until it arrives. Your repayment dates only start from the day the money reaches you.
Your Pay screen shows what's due and when, your progress and your full schedule. Pay the instalment, pay it all off, or choose your own amount, by card, bank transfer or USSD.
Get a heads-up before a payment is due and a receipt when it lands. Reminders arrive only in the daytime, at most once a day, and only to you, never to your family, friends or employer.
Payouts, repayments and refunds, grouped by day with a daily total and a reference for each one, ready whenever you need to check.
See every phone signed in to your account, sign out one or all of them, and change your PIN whenever you like. We'll alert you on every channel when something important changes.
Ask a question, raise a complaint or report a problem with a loan or payment, and chat with our team in the app. You'll get a notification the moment we reply.
No paperwork, no branch visits, no guesswork.
Sign up with your phone number and set a secure 6-digit PIN.
Confirm your identity with your BVN and a selfie, then add your bank account.
We work out what you can comfortably borrow and show you straight away.
Accept an offer you understand, get paid to your bank and repay your way.
Before you accept anything, you see the amount you'll receive, the interest, every fee, the total you'll repay, the APR and each due date. What you see is what you sign, and your agreement never changes after you sign it.
An illustration of how every offer is laid out, not a quote. Your exact price depends on the loan you choose and your assessment. You'll see it in full, in naira, before you accept.
Lending should never cost you your privacy or your dignity. Here's what we commit to, in writing.
No access to your contacts, call logs, SMS, photos or location. The app doesn't even request those permissions.
Only to you, only in the daytime, at most once a day. Never to family, friends or employers. No threats, ever.
Encrypted connections, sensitive details encrypted at rest, a PIN on every sign-in, and alerts when your account changes.
Every application and payout is checked to keep criminals out and your identity safe.
We ask before any identity check and explain why. Your data is handled under Nigeria's data protection law.
Talk to our team in the app. If something goes wrong, we'll work out a plan with you.
Swipe through the app.
Light, dark or match your phone. Every screen, button and icon adapts, so the app is comfortable at noon and at midnight.
You need to be 18 or older, live in Nigeria, have a BVN and a Nigerian bank account in your own name. You can have one Lendr45 account.
You get a personal credit limit after a quick assessment of your profile and affordability. It can grow over time as you repay on time. We never raise it just because you repaid once.
Your offer shows the interest, every fee, the total you'll repay and the APR before you accept. There are no hidden charges and no fees for repaying early.
Once you accept your offer, the money is sent to your verified bank account and you can track it in the app. Repayment dates only start from the day it arrives.
You can have one loan at a time. As soon as it's fully repaid, you can apply again straight away.
Tap Pay in the app and choose the instalment due, the full balance or any amount you like. Pay by card, bank transfer or USSD.
Talk to us early through Help & support in the app. We'll work with you on a plan. Reminders are always respectful, and we never contact anyone else about your loan.
Yes. Connections are encrypted, sensitive details are encrypted at rest, and we only use your data to run your account and meet our legal obligations. We never sell it and we never access your contacts, photos, SMS or location.
Download Lendr45, get your credit limit and see exactly what a loan will cost, all before you commit to anything.