Available nowPROMISE
Payday Loans
Fair salary loans, without the paperwork. Borrow up to ₦2,000,000 and repay from your salary.
YOUR WORD HAS VALUE.
Many people say Nigerians cannot be trusted. We know that isn't true. Promise exists to prove to the world that Nigerians keep their word, even through hunger, hardship and the daily pressures of life. Every promise you keep is counted, and the world will see it.
Promise.
More possibilities.
Fair salary loans, without the paperwork.
Borrow up to ₦2,000,000 over up to 24 months, repaid from your salary. See the full cost before you agree.
The Nigeria Promise RecordYOUR WORD HAS VALUE.
Two ways to borrow
Personal
The ₦5,000 Challenge
Small enough for anyone. Big enough to matter. Start with ₦5,000, keep your word within 14 days, and earn your first PromiseScore. Every promise you keep raises your limit — all the way up to ₦50,000.
Accept the ₦5,000 ChallengeThrough your employer or co-operative
Up to ₦2,000,000.
Borrow up to ₦2,000,000 over up to 24 months, repaid from your salary.
Clear costs. No surprises. Straight to your Promise wallet. Connected to your employer.
Promise is powered by
Bobble MicroFinance Bank
(Previously Kope Kope MFB)
Your Promise. Our banking partner.
THE PROMISE COLLECTION
For today. For what’s next.
From a little breathing room to bigger ambitions. All by Promise.
Available now
Coming soonPROMISE
Credit Card
Credit limit backed by your salary.
A new way to carry your Promise.
Navy
Coming soonPROMISE
EV Car Loans
Your next chapter. Electric.
Electric-car financing is on the way. Shown: Tesla Model 3.
Illustrative model. Vehicle availability and terms to be announced.
EV photo: Alexander-93 · CC BY-SA 4.0. No manufacturer affiliation implied.
A SIMPLE PROMISE
Less paperwork. More living.
- 01
Your employer joins.
- 02
Verify with your work email or HR code.
- 03
Choose amount and months — see the full cost.
- 04
Money lands in your wallet; withdraw to your bank. Repayments come off your salary.
See the full cost
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FOR EMPLOYERS
A little support.
A stronger team.
Fair loans for your staff at no cost to you. You stay in control. One monthly transfer.
- No cost to your organisation
- Clear monthly salary deductions
- Your team. Your approval controls.
REFER YOUR EMPLOYER
Bring Promise to work.
Earn ₦20,000.
Your employer isn't on Promise yet? Tell us who to speak to. When they join and their first staff loan is paid out, the reward is yours.
- Submitted
- Contacted
- Joined
- Paid ✓
Earn ₦20,000
Paid once your employer joins and their first staff loan goes out.
Help your colleagues
Give your whole team fair, clear loans with no hidden costs.
Takes two minutes
Share your employer's details. We handle every conversation.
Track every step
See when we've made contact, when they join and when you're paid.
One reward per company — the first valid referral wins · Up to 5 referrals a month · HR contacts can't refer their own company.
What does it cost?
4% a month on the reducing balance, plus a 1% processing fee and 1% insurance fee taken from the loan. You see the full cost, total repayable and APR before you agree.
How much can I borrow?
From ₦10,000 to ₦2,000,000 over 1 to 24 months. Your monthly instalment can't go above 35% of your net salary, less other deductions. Your employer may set a lower limit.
What if I leave my job?
Your loan keeps the same monthly instalments and dates. You pay each one from your Promise wallet, and we'll remind you before each one. There are no late fees.
Can I repay early?
Yes, any time, with no penalty. You only pay interest up to the day you repay.
What does my employer see?
Only your loan amount, your monthly deductions and your balance. Never why you borrowed or what you spend it on.
How does the wallet work?
Your loan is paid into your Promise wallet. You can withdraw it to a bank account in your own name whenever you like.
What's the insurance for?
Credit life insurance covers the remaining balance in the event of death or permanent disability, so your family isn't left with the debt.