Zephycredit lets you complete your loan application and approval in minutes. Enjoy flexible limits, transparent pricing and support for installments or early repayment – designed for everyday cash flow, education and small business needs.
ZEPHYREDGE LIMITED is committed to providing secure and reliable digital financial services across Nigeria. With the Zephycredit app, you can apply, get reviewed and receive funds directly to your account – with clear processes, transparent fees and no queues or paperwork.
Average time to get an approval decision, with real-time updates.
Funds can arrive within 5 minutes after approval.
Satisfied borrowers who continue to use Zephycredit.
Complete your identity verification and basic information on your phone. Our system evaluates your profile so most users can get a decision and disbursement in just a few minutes.
Before you confirm any loan, you’ll clearly see the interest, APR, repayment schedule and all fees. Zephycredit does not charge any undisclosed or forced bundled fees.
Zephycredit uses data insights to support users at different stages of their financial journey.
We look at your income, spending and credit behaviour to suggest the right limit and tenor.
AI risk models and manual review work together to reduce waiting time.
Repayment reminders, installment planning and credit tips help you stay in control.
We put security, transparency and user experience first – from application and disbursement to every repayment.
We use bank-level encryption and multi-layer firewalls to protect your identity and transaction data, in line with local regulations and privacy standards.
The entire application journey only takes a few minutes. Automated risk engines allow you to get decisions when you truly need funds, without complex paperwork.
All costs are clearly shown before disbursement, including interest, annual fees and potential late fees. No hidden charges or forced bundles.
Whenever you have questions at any stage, you can reach us through in-app support, email or phone.
We design the product around your borrowing journey, making every step from application to repayment easier.
See your potential limit and indicative pricing in advance.
Track your progress in the app and know exactly what’s next.
Auto debit plus reminders to help you avoid missed payments.
Zephycredit simplifies complex offline procedures into three clear steps. With just a phone, you can go from application to disbursement.
Register in the Zephycredit app, complete identity verification and basic information, choose your amount and tenor, and submit your application.
Our system runs multi-dimensional risk checks. Most users get a decision and available limit within a few minutes.
Once you confirm the contract and repayment plan, funds are sent to your linked bank account. You can track every repayment inside the app.
From identity verification to tracking repayments, the Zephycredit assistant keeps you informed.
Instant updates for approvals, due dates and limit changes.
Alerts for unusual sign-ins and device changes.
Help you understand your cash flow and plan your next steps.
Here are some of the questions users ask most often. For more details and scenarios, please visit the full FAQ page.
