Jara Borrow
Three products. One limit you earn.
Your limit comes from what you actually earn — salary or market takings — and grows every time you repay on time. Every price is on this page. Look around; sign up only when you're ready.
The shelf
Pick how the money reaches you.
Term loan
JaraTerm
One lump sum, one fixed schedule — for a planned, one-time expense.
Credit score 300+
DetailsCredit advance
JaraBoost
A small top-up against your limit while a loan is still running.
Credit score 560+ · while a loan is running
DetailsLine of credit
JaraFlex
Draw what you need, when you need it, up to your limit — interest only on what you draw, and the room comes back as you repay.
Credit score 640+
DetailsOne limit, earned
Your income sets the limit. Your repayments grow it.
There's no fixed starting cap. Your 300–900 credit score places you in a trust band, and the band sets how many months of income you can borrow. Here's what that means on ₦200,000 a month:
| Trust band | Credit score | × monthly income | Earned limit at ₦200,000/mo |
|---|---|---|---|
| Building | 300+ | 1× | ₦200,000 |
| Fair | 560+ | 2× | ₦400,000 |
| Good | 640+ | 3× | ₦600,000 |
| Strong | 720+ | 4× | ₦800,000 |
| Excellent | 800+ | 5× | ₦1,000,000 |
Traders don't need a payslip: an agent's observed takings count, at half value to be safe. The earned limit is then moved up or down by your repayment behaviour, and always capped so that all your instalments stay under 40% of your income.
Packages
For work.
JaraTerm
Starter Quick
A small first loan to start your Jara record — no collateral up to ₦10,000.
- For
- Anyone (verified)
- Price
- 3.5–10.0%/mo by grade
- Term
- 1 mo · monthly
- Paid to
- You
- Security
- None up to ₦10,000
JaraTerm
Salary Advance
Bridge to payday, repaid by payroll deduction.
- For
- Civil servants & salaried workers
- Price
- 3.5–10.0%/mo by grade
- Term
- 3 mo · monthly
- Paid to
- You
- Security
- None — payroll deduction
JaraFlex
Trader Working Capital
A revolving stock line with weekly repayments that match market days.
- For
- Traders & business owners
- Price
- 3.5–10.0%/mo by grade
- Term
- 3 mo · weekly
- Paid to
- You
- Security
- By loan size
JaraTerm
SME Growth
Six months of growth capital for an established business.
- For
- Business owners
- Price
- 3.5–10.0%/mo by grade
- Term
- 6 mo · biweekly
- Paid to
- You
- Security
- By loan size
For life's essentials.
Priced 30% below your usual rate, and paid straight to the school, landlord, vendor or hospital — so the money does exactly what it was borrowed for.
JaraTerm
JaraFood — 3-month food supply
Three months of food for the family, paid straight to the vendor.
- For
- Households & traders
- Price
- 2.5–7.0%/mo by grade (essentials price)
- Term
- Up to 3 mo · weekly
- Paid to
- Food vendor
- Security
- None — paid to the food vendor
JaraTerm
JaraSchool — school fees
School fees paid directly to the school, repaid over the term.
- For
- Parents & guardians
- Price
- 2.5–7.0%/mo by grade (essentials price)
- Term
- Up to 4 mo · monthly
- Paid to
- School
- Security
- None — paid to the school
JaraBoost
JaraCare — health & emergency
Fast help with medical bills, paid to the hospital or pharmacy.
- For
- Anyone (verified)
- Price
- 2.5–7.0%/mo by grade (essentials price)
- Term
- Up to 2 mo · weekly
- Paid to
- Hospital / pharmacy
- Security
- None — paid to the hospital or pharmacy
JaraTerm
JaraHome — rent
Pay the year's rent upfront, repay monthly.
- For
- Salaried & established traders
- Price
- 2.5–7.0%/mo by grade (essentials price)
- Term
- Up to 12 mo · monthly
- Paid to
- Landlord
- Security
- Guarantor — paid to the landlord
JaraBoost
JaraWear — clothing & basics
Clothing and everyday basics through a vendor voucher.
- For
- Anyone (verified)
- Price
- 2.5–7.0%/mo by grade (essentials price)
- Term
- Up to 2 mo · weekly
- Paid to
- Clothing vendor
- Security
- None — vendor voucher
Asset finance
Own the bike, the freezer, the solar.
2.0–3.5% a month on the reducing balance, through approved dealers. Put money down, the asset secures the rest, and the more you put down the cheaper it gets.
The rate card, in the open
Your grade sets the price. It never decides if you get a loan.
Full cost of a ₦50,000 loan over 3 months, repaid monthly, including the processing fee — 5% on the smallest loans, falling to 2% from ₦1,000,000, and never more than 10% of what you borrow.
| Grade | Per month | Longest term | You repay | + fee | All-in APR |
|---|---|---|---|---|---|
| A | 3.5% | 12 months | ₦55,250 | ₦2,000 | 89% |
| B | 5.0% | 9 months | ₦57,500 | ₦2,000 | 115% |
| C | 6.5% | 6 months | ₦59,750 | ₦2,000 | 142% |
| D | 8.0% | 4 months | ₦62,000 | ₦2,000 | 168% |
| E | 10.0% | 3 months | ₦65,000 | ₦2,000 | 202% |
- • Flat interest up to 6 months; reducing balance beyond, so you never pay interest on money you've repaid.
- • Secured with collateral: 1.5% a month cheaper. Never below 3.0%.
- • Loyalty: Silver −0.25%, Gold −0.50%, Platinum −0.75% a month.
- • Late: 5% a month on the overdue balance, by the day. Nothing else, ever.
The rules that protect you
Identity first
BVN and NIN, verified through a licensed channel. Without both, the limit is ₦0.
40% repayment cap
All your instalments — with us and elsewhere — must fit inside this share of your income.
Verification tiers
Basic (BVN) up to ₦100,000 · Standard (+NIN, address, selfie) up to ₦500,000 · Enhanced above.
Collateral by size
None up to ₦10,000. A guarantor from ₦50,000. Collateral required above ₦200,000.
From ₦10,000
The smallest loan we make — perfect for a first cycle.
See what you could get · no login
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How much do you need?
From ₦10,000. Your limit is worked out from what you earn — not a fixed ladder.
Ready when you are.
Two minutes, no account needed to start.
Get started