No Interest.
Ever.
Most credit in Nigeria costs you through interest you can barely track. ONEBANQ does not work that way. We earn from a small set of transparent fees, and every one of them is shown to you in the app before you pay it.
Your Exact Fees, Shown Before You Accept.
We keep the figures where they matter: in the app, right next to the decision they affect. Before you accept your card, you see every fee that applies to you in plain naira, and you accept them explicitly. Nothing is ever charged that you have not seen first.
Our fee structure is summarised in the Terms of Use. The exact amounts that apply to you are part of your card agreement in the app.
We Make Money from Fees, Not from Your Interest.
Traditional lenders profit more the longer you stay in debt. That puts them on the opposite side of you. Our model is built the other way around. Small, predictable fees mean we do well when you spend and repay with confidence, not when you struggle.
See How It Works
Firm, Factual, Never Aggressive.
Life happens. If you miss a repayment, we follow clear, respectful steps in line with FCCPC guidelines. No interest piles up, and no one harasses you.
We Remind You
Clear reminders show your outstanding amount and due date well before anything changes.
Card Pauses, Reversibly
If a balance stays unpaid, spending is temporarily paused. It comes straight back once you are up to date.
Always a Way Through
Every notice shows a repayment option and a way to reach support. You are never stuck.
Credit That Respects Your Money.
Join early access and be first to apply when we open in July 2026.
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