100k+ Individuals and families served
₦1B+ Total loan amount disbursed
24/7 Customer support all year round
Our Mission & Vision

Using technology to reshape the lending experience

Through Zephycredit, we want more people to access formal, affordable credit when they need it, instead of falling into high-cost or opaque lending.

Mission

To provide safe and compliant digital financial services that help people manage short-term cash needs at reasonable cost and improve their quality of life.

Vision

To become one of the most trusted digital lending brands in Africa, so that “borrow with confidence, repay with peace of mind” becomes a real experience for more people.

Values

Respect, responsibility, transparency and innovation guide every product we design and every interaction we have with our customers.

Our Team

The core team behind Zephycredit

Behind Zephycredit is a cross-functional team of experts in finance, technology and compliance. We strive to balance security and user experience in everything we build.

Team member
Michael Ade
CEO & Co‑Founder

Brings many years of experience in retail finance and risk management, focusing on building sustainable digital credit models.

Team member
Grace N.
Chief Risk Officer

Leads risk strategy and compliance frameworks to ensure every loan operates within a well-controlled risk boundary.

Team member
Samuel K.
CTO

Oversees Zephycredit’s technology architecture and data security, continuously improving user experience and system stability.

Team member
Chioma E.
Head of Customer Care

Manages the 24/7 customer care team, ensuring every user’s feedback is taken seriously and responded to promptly.

Why Users Stay

More than loans – building long-term trust

92%
of users say they would recommend Zephycredit to friends after completing a full loan cycle.
70%
of customers receive higher limits and longer tenors for subsequent loans after building a solid repayment record.
4.7★
average rating in major app stores (sample data), based on real user reviews.