Personal loans

Unlock up to ₦5m with flexible repayment plans tailored to your lifestyle.

Apply from your phone, receive transparent offers, and enjoy automatic deductions so you stay focused on your goals.

Check your offerTalk to an advisor

< 10 mins

Average approval time

3% monthly

Interest from

₦5,000,000

Maximum amount

Built around everyday Nigerians

These benefits apply across all BRI Capital personal loan products.

Flexible tenors

Choose 30 -“ 180 day plans and repay weekly, bi-weekly, or monthly with zero hidden fees.

Automatic deductions

Connect your salary, IPPIS, or cooperative account so repayments happen on autopilot.

Credit report access

Track your credit health inside the BRI Capital app with NDPR-compliant monitoring.

Products

Pick the plan that suits you

Salary advance for professionals

BRI Payday

Amount: ₦50k - ₦1mTenor: 30 - 90 days

Designed for salary earners who need quick liquidity before payday. Upload your employment letter plus bank statements and get cash in minutes.

  • BVN + government-issued ID
  • Salary account statement (3 months)
  • Work email verification

Civil service friendly credit

IPPIS Loan

Amount: ₦250k - ₦5mTenor: 3 - 18 months

IPPIS-backed financing for federal and state workers. Deductions happen automatically so you never worry about missed payments.

  • IPPIS number & employment ID
  • Introductory letter from ministry/agency
  • 3 months' payslips

Premium Product

Introducing BRI Extra

Exclusive benefits for loyal customers

BRI Extra

Amount: ₦10m - ₦50mTenor: 6 - 12 months

Exclusive access to higher loan amounts and longer repayment periods. This product is for customers with a strong credit history with BRI Capital.

  • Invitation-only for customers with excellent repayment history
  • Access to a dedicated loan officer
  • Flexible repayment options and loan top-ups

Eligibility checklist

  • Nigerian resident aged 21 - 60 with verifiable income
  • Minimum net monthly income of ₦500,000
  • Clean credit history or proof of previous repayments
  • Active salary account with any Nigerian commercial bank

Documents required

  • Valid ID (Int'l passport, Driver's licence, Voter's card, NIN)
  • Recent utility bill (within 3 months)
  • Bank statement / payslips
  • Signed direct debit mandate

Need help?

Email documents to crm@bricapital.net or upload securely inside the app.

Compare everything

Want to see every personal, business, and asset loan in one place?

Explore our complete product lineup, compare features, and pick the credit experience that fits your plans.

Explore all loan options