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FSE

Quick loans and solar loans

Borrow without collateral, or power your home and shop with solar you pay for monthly.

Borrow for today. Power up for tomorrow.

No collateral, no paperwork at a branch. Your repayment history with FSE raises your limit over time.

Quick loan

Cash for stock, school fees, rent or an emergency, paid into your FSE account once you're approved.

  • ₦50,000Borrow up to
  • MinutesTo get a decision
  • 7, 15 or 30 daysRepayment terms
  • Apply in the app or through any FSE agent
  • Repay by debit or cash at any FSE agent
  • Pay early with no penalty

Solar loan

Replace the generator with clean solar power for your home or shop, with solar loans up to ₦500,000.

  • ₦500,000Maximum loan
  • 3 or 6 monthsRepayment term
  • InstalledBy certified partners
  • Choose from solar packages priced up to ₦500,000
  • Many customers spend less on instalments than on fuel
  • Certified installation and panel and battery warranty

Work out your repayments

Quick loan

₦0

every month

Interest rate
Total interest
Total you repay

This is an estimate. Your rate and limit are confirmed in the app before you accept a loan.

Apply for a loan

Open your account in three steps.

All you need is a phone number and your BVN or NIN. No minimum balance, no monthly fee.

  1. Use the app or FSE USSD

    Open your account in the app or through FSE USSD. Agents are for cash pickup after you request a withdrawal and receive a token.

  2. Verify who you are

    Enter your BVN or NIN and take a quick selfie. Most accounts are ready in under five minutes.

  3. Save, borrow or get covered

    Fund your account by transfer or cash at an agent, then start a plan or apply for a loan.

Questions people ask us

Can't find your answer? Talk to our support team.

Do I need collateral for a quick loan?

No. We look at your account activity, savings and repayment history with FSE. Customers who repay on time get higher limits and lower rates over time.

How does the solar loan work?

Choose a system that fits your home or business, and one of our certified partners installs it. You pay a deposit and then fixed monthly instalments. The system is yours once the loan is repaid.

Can I withdraw cash without a bank branch?

Yes. Request a withdrawal through the FSE app or USSD. Once your withdrawal token is generated, visit an FSE agent to collect your cash.

What happens if I break a fixed savings plan early?

You can withdraw before maturity, but you'll forfeit some or all of the interest on that plan. The exact charge is shown before you confirm.

Who provides FSE Health Cover?

Health cover is delivered with licensed Health Maintenance Organisations (HMOs). You'll see the partner, the hospital list and full benefits in the app before you subscribe.

Is my money safe with FSE?

FSE is licensed by the Central Bank of Nigeria and eligible deposits are insured by NDIC. Your account is protected with a PIN, device binding and biometric login.

All of FSE in your pocket.

Save, borrow, pay bills, buy airtime and manage your health cover from one app that works well on any Android phone.

Get it onGoogle Play Download on theApp Store

No smartphone? Use FSE USSD to open an account, save, apply for a loan or get health cover. To withdraw cash, request it by app or USSD, then visit an FSE agent after your withdrawal token is generated.

FSE app loans screen with outstanding balance and Make Repayment