Why borrow with us
Loans built for real Nigerians
No collateral. No paperwork. No drama. Just credit that meets you where you are.
Approval in 10 minutes
No paper forms. No bank visits. Apply, verify, get a decision — all in your pocket.
No collateral required
We use smart credit scoring instead of asset pledges. Your phone is enough.
Build your credit score
Every on-time repayment improves your GapCastle credit limit and unlocks better rates.
Transparent pricing
One flat fee, shown upfront. No hidden interest, late penalties or surprise charges.
Loan products
A loan for every life moment
Six tailored products covering everything from a midnight airtime emergency to scaling your small business.
Airtime Advance
Run out of airtime at midnight? Borrow instantly and repay on your next top-up.
- Amount
- ₦100 – ₦5,000
- Tenor
- 7 days
Salary Loan
Bridge the gap before payday. Get up to 50% of your verified monthly salary in minutes.
- Amount
- ₦20,000 – ₦500,000
- Tenor
- 30 days
School Fees Loan
Don't let fees delay the semester. Flexible repayment aligned to academic terms.
- Amount
- ₦50,000 – ₦1,000,000
- Tenor
- 3 – 12 months
SME Working Capital
Restock inventory or cover payroll. Designed for traders, salons and small businesses.
- Amount
- ₦100,000 – ₦5,000,000
- Tenor
- 3 – 12 months
Emergency Loan
Medical, transport or family emergencies — get funds in under 10 minutes.
- Amount
- ₦10,000 – ₦200,000
- Tenor
- 14 – 30 days
Rent Assist
Pay your landlord upfront, repay us monthly. Avoid eviction stress.
- Amount
- ₦100,000 – ₦2,000,000
- Tenor
- 6 – 12 months
Loan calculator
Estimate your repayment
Slide to choose your amount and tenor. We'll show you exactly what you'll pay back — no surprises.
How it works
From application to disbursement in 10 minutes
Apply in-app
Choose your loan product, amount and tenor. Takes about 60 seconds.
Quick verification
Connect your BVN and bank statement. Our system scores you instantly.
Get instant decision
Approved? Funds hit your GapCastle wallet in minutes.
Repay on schedule
Auto-debit on due date or pay early to save on fees and grow your limit.
Eligibility
Who can apply?
Simple requirements designed for inclusion, not exclusion.
- Nigerian resident, 18 years or older
- Valid BVN and government-issued ID
- Active GapCastle account for 30+ days (for larger loans)
- Verifiable income source (salary, business or remittance)
- Mobile phone number registered in your name
Responsible lending pledge
We're proud members of the Money Lenders Association of Nigeria. We never charge predatory rates, never share your data with shamers, and always offer hardship plans if life happens.
Fair rates
From 4% / month
No shaming
Privacy first