- Email
  support@softcredit.ng
- Address
  
  4\5 Adewale Str The Lords Mercy Plaza Lagos.
- Phone
  07082115573

Empowering individuals & SMEs with affordable loans & flexible plans.

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About

Empowering individuals & SMEs with affordable loans & flexible plans.

Soft Credit Limited is a forward-thinking financial solutions company dedicated to empowering individuals, small, and medium-scale enterprises (SMEs) across Nigeria. We are committed to bridging the financing gap by providing easy access to credit facilities at competitive and affordable interest rates. Our mission is to stimulate economic growth, improve financial inclusion, and support the everyday financial needs of our customers.

About Us

Feature

Key to Flexible & Affordable Loan Options

We are committed to transparency, offering you competitive interest rates and repayment options designed to fit your needs. With our easy-to-use loan management platform, you can track your loan, make payments seamlessly, and stay in control of your financial journey.

Why Choose Us?

Flexible Repayment: Tailor your loan with convenient payment plans.
Low-Interest Rates: Benefit from affordable, competitive rates.
Quick Approval: Access funds faster with our streamlined process.
No Hidden Charges: Clear, upfront terms with no surprises.
Dedicated Support: Our team is always ready to guide and assist you.

24/7 Support

Flexible Repayment : Customize your loan with easy payment plans.

Low Cost

Low-Interest Rates: Enjoy competitive rates for affordable borrowing.

Featured Plans

Affordable credit solutions designed to fuel sustainable growth.

SmartStart Plan

Nursery & primary fees.

7%

Reducing Balance

Take Minimum 50,000.00 NGN
Take Maximum 1,000,000.00 NGN
Per Installment 33.33% + Interset Amount
Installment Interval 30 Days
Total Installment 3

BrightFuture Plan

Secondary/high school tuition.

7%

Reducing Balance

Take Minimum 100,000.00 NGN
Take Maximum 1,500,000.00 NGN
Per Installment 33.33% + Interset Amount
Installment Interval 30 Days
Total Installment 3

CampusEase Plan

University & college payments.

6.8%

Reducing Balance

Take Minimum 200,000.00 NGN
Take Maximum 2,000,000.00 NGN
Per Installment 16.67% + Interset Amount
Installment Interval 30 Days
Total Installment 6

ProLearn Plan

Professional/vocational training.

6.8%

Reducing Balance

Take Minimum 50,000.00 NGN
Take Maximum 1,000,000.00 NGN
Per Installment 16.67% + Interset Amount
Installment Interval 30 Days
Total Installment 6

EduGrow Plan

supports school expansion

20%

Reducing Balance

Take Minimum 5,000,000.00 NGN
Take Maximum 10,000,000.00 NGN
Per Installment 33.33% + Interset Amount
Installment Interval 90 Days
Total Installment 3

EasyStay Plan

Shared apartments & small rentals.

5%

Reducing Balance

Take Minimum 300,000.00 NGN
Take Maximum 700,000.00 NGN
Per Installment 16.67% + Interset Amount
Installment Interval 30 Days
Total Installment 6

QuickCart Plan

Small online purchases

5%

Reducing Balance

Take Minimum 50,000.00 NGN
Take Maximum 199,000.00 NGN
Per Installment 33.33% + Interset Amount
Installment Interval 30 Days
Total Installment 3

SmartShopper Plan

For electronics & appliances.

5%

Reducing Balance

Take Minimum 200,000.00 NGN
Take Maximum 999,000.00 NGN
Per Installment 33.33% + Interset Amount
Installment Interval 30 Days
Total Installment 3

BigBuy Plan

Large items with extended repayment.

4.8%

Reducing Balance

Take Minimum 5,000,000.00 NGN
Take Maximum 10,000,000.00 NGN
Per Installment 16.67% + Interset Amount
Installment Interval 30 Days
Total Installment 6

FlexiBuy Plan

highlights ease and flexibility.

4.8%

Reducing Balance

Take Minimum 1,000,000.00 NGN
Take Maximum 4,999,000.00 NGN
Per Installment 16.67% + Interset Amount
Installment Interval 30 Days
Total Installment 6

StartSmart Loan

For new and emerging businesses.

3.6%

Reducing Balance

Take Minimum 100,000.00 NGN
Take Maximum 300,000.00 NGN
Per Installment 8.33% + Interset Amount
Installment Interval 14 Days
Total Installment 12

BizGrow Loan

For expanding businesses

3.6%

Reducing Balance

Take Minimum 500,000.00 NGN
Take Maximum 1,499,000.00 NGN
Per Installment 8.33% + Interset Amount
Installment Interval 14 Days
Total Installment 12

TradeFlow Loan

For importers, wholesalers, & retailers.

3.5%

Reducing Balance

Take Minimum 1,500,000.00 NGN
Take Maximum 4,999,000.00 NGN
Per Installment 8.33% + Interset Amount
Installment Interval 14 Days
Total Installment 12

AssetPro Loan

For SMEs needing equipment or vehicles.

5%

Reducing Balance

Take Minimum 500,000.00 NGN
Take Maximum 10,000,000.00 NGN
Per Installment 8.33% + Interset Amount
Installment Interval 30 Days
Total Installment 12

SwiftStart Loan

Small urgent loans, instant approval.

10%

Flat Rate

Take Minimum 5,000.00 NGN
Take Maximum 1,000,000.00 NGN
Per Installment 110%
Installment Interval 30 Days
Total Installment 1

SteadyGrow Loan

Medium-term financing for projects.

24%

Flat Rate

Take Minimum 50,000.00 NGN
Take Maximum 500,000.00 NGN
Per Installment 41.33%
Installment Interval 30 Days
Total Installment 3

PrimeFlex Loan

Higher amounts, customizable repayment.

14%

Reducing Balance

Take Minimum 100,000.00 NGN
Take Maximum 1,000,000.00 NGN
Per Installment 16.67% + Interset Amount
Installment Interval 30 Days
Total Installment 6

LiteEase Loan

Micro-loans with simple requirements.

24%

Flat Rate

Take Minimum 1,000,000.00 NGN
Take Maximum 2,000,000.00 NGN
Per Installment 41.33%
Installment Interval 30 Days
Total Installment 3

SeedFund Loan

Seeds, fertilizer, small farm needs.

1%

Flat Rate

Take Minimum 10.00 NGN
Take Maximum 100.00 NGN
Per Installment 25.25%
Installment Interval 1 Days
Total Installment 4

AgroTools Loan

Farming tools & equipment.

1%

Flat Rate

Take Minimum 10.00 NGN
Take Maximum 100.00 NGN
Per Installment 33.67%
Installment Interval 1 Days
Total Installment 3

HarvestMax Loan

Expansion for large-scale farms.

1%

Reducing Balance

Take Minimum 10.00 NGN
Take Maximum 100.00 NGN
Per Installment 33.33% + Interset Amount
Installment Interval 1 Days
Total Installment 3

CoopGrow Loan

For farmer cooperatives & groups

1%

Reducing Balance

Take Minimum 10.00 NGN
Take Maximum 100.00 NGN
Per Installment 100% + Interset Amount
Installment Interval 30 Days
Total Installment 1

See All

FAQ

Frequently Asked Questions

Find quick answers to common questions about our loans, services, and how Soft Credit Limited can support you.

Our interest rates are affordable and lower than industry averages. The exact rate depends on the loan type, amount, and repayment plan. Rates are always disclosed before disbursement.

Loan approval is usually completed within 24–48 hours, depending on verification and credit assessment.

Valid government-issued ID (e.g., NIN, Driver’s License, International Passport, or Voter’s Card)

Proof of income (payslip, bank statement, or business records)

Utility bill or proof of address

Additional documents may be required depending on loan type.

You can apply online through our website or mobile platform by filling out the application form and uploading required documents. You may also apply at our office.

We offer a variety of loan products including:

SME Growth Loans
Buy Now, Pay Later (BNPL) for e-commerce
House Rent Support Loans
School Fees Financing
Agricultural & Farming Loans
Personal & Emergency Loans

Any Nigerian resident above 18 years with a valid ID, steady income source, and verifiable details can apply for our loans.

Approved loans are disbursed directly into your bank account or, in specific cases (like rent or school fees), paid directly to landlords or institutions.

Repayments can be made through bank transfers, direct debit, or via our online repayment platform. Flexible plans are available.

Late repayments may attract penalties or additional charges. Repeated defaults may affect your credit score and lead to reporting to credit bureaus.

Yes! You can make early repayments without penalties. Early settlement may even reduce the total interest paid.

Yes, most of our loans are unsecured and do not require collateral. However, certain high-value loans may require guarantors or security.

Funke A.

Customer

The Buy Now, Pay Later service is amazing! I got the products I needed and could pay in convenient installments. Very reliable!

Chukwudi K.

Customer

As a small business owner, I needed capital to expand. Soft Credit provided a loan at a low interest rate, and my business has grown significantly.

Emmanuel T.

CUSTOMER

I used Soft Credit to pay my child’s school fees, and it was so easy. Flexible repayment options made it manageable for our family budget.

Aisha O.

Customer

Soft Credit made getting a loan simple and stress-free. The process was fast, and I received my funds within 24 hours. Highly recommended!

Segun M

Customer

Soft Credit helped me pay my annual house rent without stress. The direct payment to my landlord was very convenient.

Maryam S.

Customer

I applied for a farming loan, and the team guided me through the process. The funds helped me buy equipment, and my harvest was better than ever!

Tunde L.

Customer

Excellent customer service! They explained everything clearly, and I felt supported throughout my loan application and repayment.

Ngozi A.

Customer

Soft Credit’s personal loan helped me cover an unexpected medical expense. Quick approval and easy repayment—truly a lifesaver.

Abiola R

Customer

I love how Soft Credit empowers small businesses like mine. The loan terms are fair, and their team genuinely cares about our growth.

Oluwatobi E.

Customer

Fast, transparent, and trustworthy. Soft Credit is my go-to for any financial support I need. I feel confident borrowing from them.

Building Businesses, Supporting Lives.

Empowering SMEs, families, and individuals with flexible financing for every stage of life.
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Empowering individuals & SMEs with affordable loans & flexible plans.

Empowering individuals & SMEs with affordable loans & flexible plans.

Key to Flexible & Affordable Loan Options

24/7 Support

Low Cost

Affordable credit solutions designed to fuel sustainable growth.

SmartStart Plan

7%

BrightFuture Plan

7%

CampusEase Plan

6.8%

ProLearn Plan

6.8%

EduGrow Plan

20%

EasyStay Plan

5%

QuickCart Plan

5%

SmartShopper Plan

5%

BigBuy Plan

4.8%

FlexiBuy Plan

4.8%

StartSmart Loan

3.6%

BizGrow Loan

3.6%

TradeFlow Loan

3.5%

AssetPro Loan

5%

SwiftStart Loan

10%

SteadyGrow Loan

24%

PrimeFlex Loan

14%

LiteEase Loan

24%

SeedFund Loan

1%

AgroTools Loan

1%

HarvestMax Loan

1%

CoopGrow Loan

1%

Frequently Asked Questions

What is your interest rate?

How long does loan approval take?

What documents are required for loan application?

How do I apply for a loan?

What types of loans do you offer?

Who can apply for a loan with Soft Credit Limited?

How will I receive the loan?

How do I repay my loan?

What happens if I miss a repayment?

Can I pay off my loan early?

Do you offer loans without collateral?

Funke A.

Chukwudi K.

Emmanuel T.

Aisha O.

Segun M

Maryam S.

Tunde L.

Ngozi A.

Abiola R

Oluwatobi E.

Building Businesses, Supporting Lives.