Jara Borrow · Trust
A lender that behaves like one.
This market has been burned by hidden fees, mystery rejections and shaming lenders. Jara is our answer — promises in plain language, kept in plain sight.
Our promises to you.
No hidden fees
The total you see before you sign is the total you pay. Interest, fees, everything will be transparent up front, always.
Consent before anything
A code comes to your phone before we look at anything about you. You approve it. Not the other way around.
We never touch what’s yours
We never access your contacts, photos or files. That's not how lending should work, and it's not how we work.
No shaming, ever
If you fall behind, we work with you — quietly and respectfully. No harassment, no calling your family, no public embarrassment.
Your score, in plain sight
Your credit score is yours. You can see it, understand it, and watch it rise every time you repay.
Licensed and accountable
We operate under a state money-lender licence, are registered with the FCCPC, and comply with the NDPA.
How your credit score works.
No credit file? No wahala. Your Jara score is built on how your business actually runs. It's shown to you as a number and a colour you can read — never a black box.
Raise it
Repaying on time, a steady trading history, and our agent’s read and vouch of your daily cashflow raise your credit score.
Lower it
Missed payments, and nothing else, lower your credit score. We don't punish you for things you can't control.
Unlock more
Higher limits and cheaper rates. As your score rises, your cost of borrowing falls.
Your data, your rights.
We collect only what we need to lend to you — your name, phone, identity details and how your business runs. We never store your BVN or NIN on this website; identity verification happens in our secure underwriting system, with your consent.
Everything is protected under the Nigeria Data Protection Act (NDPA 2023). You can ask what we hold about you, ask us to correct it, or withdraw your consent at any time — and we'll honour it, no complicated process or tricks.
Read the full privacy policy →