Jara Borrow · Loan calculator
See your repayments before you borrow.
Move the slider, pick your term — the numbers update live. No login, no details, nothing submitted. No wahala.
Repayment estimator
For how long?
Repay when it suits your trade:
Your rate — based on your profile
Tell us a little about yourself and we'll estimate your grade — the same way underwriting will when you apply. You can't pick your rate; your profile sets it.
What do you do?
Monthly income
Your track record
Estimated grade
Grade E · 10%/mo
Building — clearing loans on time is the fastest way up. Secured loans (with collateral) cost about 2% less per month.
Per instalment
₦22,333
× 3 payments
Interest
₦15,000
10% flat / month
Processing fee
₦2,000
one-off
Total repayable
₦67,000
On a ₦50,000 loan over 3 months, you repay ₦67,000 in total — that's ₦15,000 in interest and a ₦2,000 fee. Nothing else. This is an estimate, not an offer — nothing is submitted and no login is needed to see it.
How we arrive at these numbers.
Flat interest
Amount × monthly rate × months. It's charged on what you borrowed — it never compounds and never grows in the dark.
One-off fee
A flat 3% processing fee, shown before you sign. No "admin charges" appearing later, no stories.
The total
Amount + interest + fee. The gold figure in the calculator is everything you'll ever pay — nothing else exists.
This is an estimate, not an offer. Your exact rate depends on your credit score, which we check together when you apply — most first loans land around grade C, and clearing loans on time moves you up.
Like the numbers you see?
Applying is free and takes two minutes. Your exact offer lands the same day.
See what you could get