Terms & conditions

Acceptance of these terms

By accessing this website or submitting a loan application, you agree to these terms and to our privacy policy. If you do not agree, please do not use the website.

Use of the website

• You must provide accurate, current and complete information.
• You must not attempt to interfere with, damage or gain unauthorised access to the website.
• You must not use the website for any unlawful or fraudulent purpose.
• You are responsible for keeping your account credentials confidential.

Loan applications

Submitting an application does not create a loan agreement or guarantee approval. All applications are subject to verification, affordability assessment and our credit criteria. A loan only exists once a written loan agreement is executed and funds are disbursed.

Fees, interest and charges

Our standard interest rate is 15% per annum on the principal amount. Applicable fees and charges are disclosed in your loan offer before you accept. Amounts not paid when due attract default interest of 30% above the agreed rate.

Intellectual property

All content on this website, including text, graphics, logos and software, belongs to Vicade Global Merchandise Nigeria Limited or its licensors and may not be copied or reused without written permission.

Limitation of liability

The website and its content are provided for information purposes and do not constitute financial advice. To the extent permitted by law, we are not liable for indirect or consequential loss arising from your use of the website.

Changes to these terms

We may update these terms from time to time. The version published on this page is the version in force, and continued use of the website means you accept the updated terms.

Governing law

These terms are governed by the Laws of the Federal Republic of Nigeria, and disputes are subject to the jurisdiction of Nigerian courts.