From application to repayment, Peakpay gives you a simple and secure way to access credit, review your loan terms and stay in control of your repayments - all from one platform.

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Everything you need to borrow with confidence

Financial support when you need it, powered by a seamless digital experience.

Quick Digital Onboarding

Create your account, verify your phone number and securely set up your password and transaction PIN.

Secure Identity Verification

Complete your BVN verification and liveness check to confirm your identity and protect your account.

Personalised Eligibility

Provide your employment, income and bank information to receive a loan offer based on your profile.

Transparent Loan Offers

Review your approved loan amount, interest rate, loan tenure, repayment amount and first payment date before accepting.

Flexible Repayment Options

Repay your loan using your card or make a bank transfer through the platform.

Easy Loan Management

Monitor your outstanding balance, repayment progress, upcoming payment date and complete repayment schedule from your dashboard.

Get started in a few simple steps

A clear and guided process so you always know what information is required.

01

Create Your Account

Register with your name, phone number and email address. Create a secure password and set up your security questions.

02

Complete Your Profile

Complete BVN verification and liveness, then provide next-of-kin, employment, income, PEP and bank-account details. Create your transaction PIN.

03

View Your Eligibility

Once your profile and verification are completed, your dashboard displays your estimated eligible loan amount.

04

Request a Loan

Enter the amount you need, select the purpose of the loan and choose your preferred repayment period.

05

Confirm Your Address

Provide your residential address, closest landmark, state, local government area and city. Upload a recent utility bill where required.

06

Review and Accept

Review your approved amount, interest rate, tenure, repayment amount, first payment date and payment method.

07

Receive and Manage

Accept the offer securely with your transaction PIN, complete repayment setup and manage your active loan from your dashboard.

Built to Protect Your Account

Peakpay uses multiple verification and authorisation steps to help keep your account and transactions secure.

  • Secure password creation & security questions
  • BVN verification & Liveness check
  • Transaction PIN & secure repayment processing

Frequently Asked Questions

Who can apply for a Peakpay loan?
Individuals with a valid phone number, BVN, active bank account and verifiable source of income may complete an application. All applications remain subject to eligibility and credit assessment.
How do I apply?
What information will I need?
How is my eligible amount determined?
Can I choose how long I want to repay?
Will I see the loan terms before accepting?

Ready to Take Control?

Create your Peakpay account, complete your profile and discover the loan offer available to you today.

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