SoonSavings and investments are on the way
Borrow when life happens, with the full cost shown upfront and the money paid straight into your bank account. One secure account built for Nigerians.
Good morning
Adaeze
You can borrow up to
₦0
No collateral needed
Your loan
1 of 3 paid
Next: ₦90,944 on 28 Oct
Loan approved
₦250,000 sent to your bank
Repay early
and pay less interest
Savings & investments
Coming soon
One account for your money
Loans are live now. Savings, investments and payments are coming soon.
Up to ₦50mrepaid over 1 to 18 months
See how much you can borrow, pick an amount and how long to repay, and get paid straight into your bank account. No collateral.
You can borrow up to
₦500,000
Amount₦250,000
Repay over3 months
Monthly repayment₦90,944
Example only. Your limit and cost depend on your profile.
₦0m
The most you can borrow
0 months
The longest time to repay
0%
Monthly interest, from
₦0
Collateral needed
How it works
Four steps to a loan, and what's coming next.
01 / 05
Sign up with your phone number and email, then verify with your BVN. A quick selfie with your NIN unlocks bigger loans.
You're verified
Tier 2 unlocked
See how much you can borrow
02 / 05
See how much you can borrow, pick an amount and how long to repay. You see the full cost before you accept.
How much do you need?
₦250,000
₦10kYour limit ₦500k
Monthly repayment₦90,944
Total to repay₦272,832
First repayment28 Oct
03 / 05
Once approved, the money goes straight to a bank account in your name. We check the name matches your BVN, so it can't go to the wrong person.
₦250,000
sent to your bank account
Name checkMatches your BVN
ReferenceDM-91822114
First repayment28 Oct
04 / 05
Pay each instalment by card or bank transfer. We remind you before every due date, and you can pay off early to save on interest.
Left to repay
₦181,888
1 of 3 payments made
05 / 05
We're building savings goals, investments, transfers and bill payments. They'll appear in your account when they launch.
We're building these now
They'll appear here when they launch
You're verified
Tier 2 unlocked
See how much you can borrow
Security first
Regulated lending, careful identity checks and trusted payment partners, so you can borrow with confidence.
DigitMonie is licensed by the FCCPC as a digital lender, and we follow its rules on fair pricing and respectful debt collection.
Your BVN and NIN are encrypted and used only to confirm who you are. Your BVN doesn't give us access to your bank account.
Card payments and transfers go through Flutterwave and Paystack. Your card details never touch our servers.
We never read your phone contacts or message your friends, family or employer about a loan.
FAQ
Can't find what you need? Email our support team at hello@digitmonie.com or call support@digitmonie.com.
Yes. DigitMonie is licensed by the Federal Competition and Consumer Protection Commission (FCCPC) to provide digital lending services in Nigeria.
Loans range from ₦1m to ₦50m, repaid over 1 to 18 months. Your own limit depends on how far you've verified your identity, your income and your repayment history. You'll see it in the app before you apply.
Once your loan is approved, we send the money straight to a bank account in your name. Smaller loans can be approved instantly; bigger ones are checked by our team first.
Interest starts from 3% a month, plus a one-off processing fee. Before you accept, you'll see your monthly repayment, the total you'll repay and the annual percentage rate (APR). There are no hidden charges.
Yes, at any time. Pay off the whole loan early and you won't be charged interest for the months you don't use.
We'll remind you, and a late fee may apply as set out in your loan agreement. We contact only you, at reasonable hours, and never your friends, family or employer. If you're struggling, talk to us early; we can often agree a new plan.
Your phone number, email address and BVN. Bigger loans need your NIN and a selfie, and the largest also need a proof of address.
Savings, investments, transfers and bill payments are coming soon. When they launch, they'll appear in your DigitMonie account.
Email us at hello@digitmonie.com and we'll get back to you as soon as we can.
Open a free account in minutes and see how much you can borrow.
