Welcome to Soft Credit Limited. By using our website, mobile platforms, and loan services, you agree to these Terms & Conditions. Please read them carefully before applying for or using our services.

1. Acceptance of Terms

By accessing our website, creating an account, or applying for a loan, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.

2. Eligibility

To use our services, you must:

• Be at least 18 years old.

• Be a resident of Nigeria (or jurisdictions where Soft Credit Limited operates).

• Provide accurate and verifiable personal and financial information.

3. Loan Application & Approval

• Loan approvals are subject to credit assessment, verification, and compliance checks.

• We reserve the right to accept or reject applications without obligation to provide a reason.

• Approved loan amounts, interest rates, and repayment terms will be communicated clearly before disbursement.

4. Repayment Obligations

• Borrowers are required to repay loans on or before the agreed due date.

• Late or missed payments may attract penalties, higher interest, and/or legal action.

• Soft Credit Limited reserves the right to report defaults to credit bureaus.

5. Interest Rates & Fees

• Interest rates and service charges will be disclosed before disbursement.

• No hidden charges apply; however, late repayment fees or collection costs may be charged if obligations are not met.

6. Responsible Borrowing

Our services are designed to support financial growth. Borrowers are encouraged to apply for amounts they can responsibly repay to avoid financial stress.

7. Use of Services

You agree not to misuse our services for unlawful activities, including fraud, money laundering, or misrepresentation.

8. Intellectual Property

All website content, logos, trademarks, and materials are the property of Soft Credit Limited and may not be copied or used without prior written consent.

9. Limitation of Liability

• Soft Credit Limited shall not be liable for losses caused by misuse of services, technical downtime, or actions of third-party service providers.

• We are not responsible for indirect damages such as loss of income, goodwill, or opportunities.

10. Termination of Services

We may suspend or terminate your access to our services if you:

• Provide false information.

• Default on loan repayments.

• Violate these Terms & Conditions.

11. Amendments

Soft Credit Limited reserves the right to modify these Terms & Conditions at any time. Updates will be posted on our website with a revised effective date.

12. Governing Law

These Terms & Conditions are governed by the laws of the Federal Republic of Nigeria.

13. Contact Us

For inquiries or complaints regarding these Terms & Conditions, please contact us: