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Loans

Why Choose Indulge for Your Loans?

When you need financial support for your dreams or urgent needs, we’ve got you covered. At Indulge Microfinance Bank, we offer a range of low-interest loan options to meet personal, business, and asset financing needs—all with flexible terms and quick approvals.

Loans

Our Loan Products

Business Loan

    

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Business Loan

Empower Your Business, Grow Your Future.
Tailored for MSMEs registered under CAC, this loan is perfect for businesses that have been operational for at least 6 months. Whether you’re scaling operations or expanding your reach, our business loans can help you take the next step. 

  • Ideal for MSMEs
  • Low-interest rates
  • Flexible repayment plans
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Personal Loan

    

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Personal Loan

Make Your Personal Goals a Reality.

Whether you need funds for education, travel, or any personal project, our Personal Loans provide quick and easy access to cash for salary earners in the public or private sector. We support your ambitions with low-interest loans and flexible
repayment options.

  • Available to public and private sector employee
  • Affordable interest rates
  • Simple application process
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Salary Advance

    

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Salary Advance

Bridge the Gap Before Payday.

Need a little extra cash before your next paycheck? Our Salary Advance offers quick funding for salary earners, helping you handle unexpected expenses or emergencies. With advances ranging from ₦50,000 to ₦2,000,000, we ensure you’re never left short.

  • For salary earners in both public and private sectors
  • Fast approval, minimal documentation
  • Flexible repayment terms
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LPO Finance

    

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LPO Finance

Secure Funding for Your Supply Chain.

Our LPO Finance is designed to help businesses fulfill Local Purchasing Orders (LPOs) by offering fast and reliable financing. Whether you’re working on a contract or a procurement deal, this loan can give you the liquidity you need to complete your obligations.

  • Access from ₦200,000 and above
  • Ideal for targeted businesses fulfilling
  • LPOs Hassle-free processing
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Asset Finance

    

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Asset Finance

Own the Assets That Drive Your Growth.

Whether you’re a salary earner or an entrepreneur, our Asset Finance loans help you acquire essential assets for personal or business use. From vehicles to machinery, get the financing you need to grow without delay.

  • Available for individuals and businesses
  • Affordable interest rates
  • Structured repayment options
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Asset Finance

This Loan offering is provisioned for both salary earners and entrepreneurs.

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Loans

Ready to Apply?

Accessing a loan with Indulge MFB is quick, easy, and stress-free. We offer:

Low-interest rates

Fast approval process

Flexible repayment terms

Whether you’re looking to grow your business, fund a personal project, or purchase essential assets, we’ve got the right loan solution for you.

Download the Indulge App for Easy Access

Manage your loans, payments, and savings all in one place!

Loans

It’s Easier, Faster and Will Be There Just When You Need It!

Apply for a loan that is tailored to fit your needs as you grow.

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Enjoy flexible tenure

No hidden fees

Low-Interest rate

Instant Disbursement

No collateral Needed

Flexible Repayment

Loans

Frequently Asked Questions

What types of loans does Indulge offer?

Indulge offers a variety of loan products tailored to meet different needs:

  • LPO Finance: For financing local purchase orders and contracts.
  • Asset Finance: To help you acquire equipment or assets for personal or business use.
  • Business Loans: Designed to grow and expand your business.
  • Personal Loans: For personal financial needs like education, health, or emergencies.
  • Salary Advance: Quick access to funds before your payday. 
How do I apply for a loan?

Applying for a loan is simple:

  1. Visit our website or mobile app.
  2. Use our loan calculator for an instant overview.
  3. Complete the loan application form and submit the required documents.
  4. Await approval and receive funds swiftly. 
What is the quick loan calculator, and how does it work?

Our quick loan calculator helps you estimate your loan repayment schedule, including interest and tenure, giving you a clear overview before applying. 

What are the requirements for getting a loan?

Requirements may vary by loan type, but typically you’ll need:

  • A valid means of identification
  • Proof of income (e.g., payslip or bank statement)
  • Completed loan application form
  • For business loans, evidence of business registration or cash flow records may be required 
How long does it take to get loan approval?

Our process is fast and seamless! Loan approvals can take as little as 24-48 hours once all required documents are provided. 

Do I need collateral for a loan?

Collateral requirements depend on the loan type. For example:

  • LPO and Asset Finance loans may require collateral.
  • Personal and Salary Advance loans typically do not require collateral. 
What fees and interest rates apply to loans?

Our fees and interest rates are competitive and transparent, tailored to each loan product. Details are provided during the application process. 

Can I repay my loan before the due date?

Yes, you can repay your loan early without penalties. Early repayment helps save on interest! 

How do I make loan repayments?

Loan repayments can be made through our mobile app, bank transfers, or at our branch. 

How do I get help with my loan?

For loan assistance, contact us via:

Indulge Loans—Tailored for your success and financial growth!