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 offer Talk 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.

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