Jara Rewards
Repay well. Get paid for it.
Points for every on-time payment, a cheaper rate as your record grows, and points for bringing friends who repay. 1 point = ₦1.
How you earn
+50
Every on-time instalment
+500
Every loan cleared clean
+1,500
A friend you referred clears their first loan
+500
Welcome bonus for that friend
Points land automatically. They expire 12 months after you earn them.
How you spend
Grace token
2,000 points
Keep your JaraFlex line open through up to 14 days late, once a year
Processing-fee credit
Points off the processing fee on your next loan (1 point = ₦1)
Asset down payment
Put points toward the down payment on an asset loan (1 point = ₦1)
Loyalty levels
Every clean loan counts toward the next level.
| Level | Clean loans | Rate discount | Bigger JaraFlex line |
|---|---|---|---|
| Bronze | From your first loan | — | — |
| Silver | 3+ | −0.25% a month | +25% of your limit |
| Gold | 5+ | −0.50% a month | +50% of your limit |
| Platinum | 10+ | −0.75% a month | +100% of your limit |
Discounts come off your grade rate and never go below 3.0% a month. A late payment pauses progress; a restructured loan doesn't count as clean.
Refer your people
1,500 points for you. 500 for them.
Both of you earn when your friend verifies their BVN and NIN and repays their first Jara loan on time. Up to 20 paid referrals each.
Create an account to get your invite link.
Start earning with your first loan.
See your numbers first — no account needed.
See what you could get