Who we are

About PayConnect

PayConnect is an innovative Online Lending Service that provides Loans instantly to Individuals, using a proprietary algorithm that automatically aggregates client's bank transactions notification in multiple banks, Bills payment, Call/SMS history and simultaneously analyses Income and spending patterns, then avails loan amount with tenure that uniquely suits each individual. The application process is easy and seamless. Loans on PayConnect do not require Collateral.

Applicants receive loans amounts into their PayConnect E-wallet after approval, which they can withdraw from any ATM, Use on any POS or transfer to any bank account of their choice in Nigeria. Repayment is required after a stipulated tenure.

Our team has over 20 years of combined experience in banking, risk management and Information Technology.We are determined to tackle what we consider a critical issue of lending to Students, Small businesses and Employees in conventional Banking Environment.

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How it works

1. Download and Activate

  • Download the PayConnect App on your Mobile Phone and complete the required details
  • Ensure to activate and receive SMS/EMAIL Bank Alert Transactions from all of our respective banks.
  • 2. Review and Approval

    Your bank alerts and other transactions that reflects on your phone are automatically analyzed and reviewed each time your receive an SMS/EMAIL Notification. An Approved Loan amount which you qualify for is highlighted on your dashboard.

    3. Loan Payout

    Loan amount is disbursed instantly to your PayConnect Loan e-wallet at your request which you can withdraw from any ATM, use on any POS or transfer to any bank account of their choice in Nigeria.

    4. Loan Repayment

    Repayment is effortless, as we automatically make deduction from your source account on the loan repayment due date.


    Government Approved ID Card (Drivers' License, International Passport, National ID Card, Permanent Voters' Card)