About us
We are Vicade Global Merchandise Nigeria Limited
Global vision, beyond limits!
Who we are
Vicade Global Merchandise Nigeria Limited is a Nigerian lending and merchandise business operating from 20, Ondo Street, Bodija, Ibadan, Oyo State, Nigeria. We provide structured credit to individuals, salaried employees and small businesses who need dependable financing without the friction of traditional lending.
Every loan we issue is documented in a written loan agreement drafted under the Laws of the Federal Republic of Nigeria, setting out the principal, interest rate, repayment plan, any security pledged, and the consequences of default. Our standard interest rate is 15% per annum, and late payment attracts default interest of 30% above the agreed rate.
Our mission
To make fair, clearly-priced credit accessible to hardworking Nigerians and the businesses that employ them.
Our vision
Global vision, beyond limits — to become one of the most trusted names in customer-first lending across Nigeria and beyond.
Our values
- Transparency
- Every cost is disclosed in writing before you commit.
- Respect
- We treat every customer's circumstances with dignity and privacy.
- Responsibility
- We only lend what a customer can realistically repay.
- Speed
- We respect our customers' time at every stage of the process.
Leadership
Led by an experienced team
Our leadership team combines lending, credit risk and customer service experience. Share your team profiles and photos and we will publish them here.
Ready to get started?
Apply online in minutes. You will receive an application reference number immediately after submission.