Hello Figant! Follow this short course to know more about FIGI


Since the early 2000s, there has been a global shift toward achieving a universal financial inclusion by ensuring that all people have access to banking platforms, funds, and are banked. This effort has seen a broad participation from public and private sector partners.

FIGI, an emerging FinTech brand in Nigeria (with a corporate head office in Asokoro, Abuja and business office at Plot(590f), Adjacent to 4u Supermarket (former Amingo Supermarket, Adetonkunbo Ademola Crescent Wuse 2, Abuja), is creating access to financial products such as loans and investment windows using mobile technological gateways. We are passionate about ensuring that members of society or businesses have financial opportunities that will position them for speedy growth.

FIGI loans, for example, are offered to members of the public at no interest, without collateral, no hidden charges, no stressful paperworks and no financial history reviews. Because we believe that anybody can achieve progress, if offered the right economic gardening and support, we DO NOT discriminate loan approvals based on your experience or level of education.

The loan application process itself is easy. Creating your FIGI account takes only a few minutes and how fast you get your loan depends on the completion of your registration. Completing your registration means you will provide us with four (4) guarantors who MUST also take a loan of not less than half of your loan. If you have never taken a loan from us before now, we can start you with as much as N1 million (repayment for all our loans normally starts on the 60th day (2nd month) and lasts up to the 12th months. You may decide to repay in a week. Once you have successfully repaid your loan, you can apply for a higher loan that is twice the previous loan, until you reach the N10 million ceiling. Our Peer-to-peer (P2P) lending enjoys insurance telematics as a model for disrupting insecurity.

To start your loan application, follow these simple steps:

  • Go to the app online (www.figi.ng) 1
  • Sign up (we ensure your details are very secured). 2
  • Pay 10% as equity of any loan amount you are applying for. 3
  • Provide us with ANY 4 guarantors. Don't bother searching for civil servants on Level 12 and above. We trust any guarantor that you provide, once they are Nigerians (aged 18 to 70). 4

We have a clear mission, to ensure that you are able to access financial products very easily and you enjoy financial growth by investing a percentage of your loan in highly profitable surrounding businesses.

The best thing about FIGI really is that you can use our loans for anything you want. We will always stay by you to help you make good investment decisions that will help you repay with ease while you achieve personal growth.

#FIGI Loan Products

FIGI offer loans from the lowest amount you need up to Ten Million Naira [NGN10,000,000] repayable in 12 months) accessible to all people (aged 18 year to 70) who are using mobile technologies/gadgets and have a bank account with a Bank Verification Number.

If you are taking a loan of a hundred thousand naira or less, we call it JAPA Loans (this is designed for low income earners) and requires you to pull out 12.5% of the loan released to you for an investment in any business that will assist you to repay your loan without stress. Don't worry, we can link you to some high growing businesses where you will become an investor.

Our normal loans range from N100,001 to N10 million, and require that you investment 25% of the loan amount. The monthly profit you make from your investments will really help you to repay your loan more seamlessly. Once you repay your loan, you can close down your investment, taking all your profit and the invested principal

#Loan Penalties

You will be required to repay your loan every month (at an appointment date every month). Your repayment plan will be available on your dashboard and to ensure you don't forget, we will always send your reminder messages as the repayment date approaches. But in any case, if you fail to repay your scheduled loan on or before the date stipulated, you will attract 0.5% fine on the scheduled repayment every passing day. In case you fail to repay your loan after your loan duration has elapsed, we will freeze all your investments (with all the profits you have made), and track your BVN to any of your bank accounts to get back our money.

#What else?

On the FIGI platform, you can make savings, transfer monies to other FIGI account holders (called Figiants), pay for house rents (on House9ja), buy fresh food or cooked foods, pay for your laundry, pay for medical insurance and other services available on the integrated Apps.

All your financial transactions will always reflect on your dashboard for transparency. And, you can always withdraw your benefits anytime you decide to, including your equity contribution for a FIGI loan, if you choose not to take a loan again.

#Why Should you take a loan from FIGI?
  • We provides fast, fair and flexible loans without hidden charges or restrictions on money expenditures, but we appeal more to you from the simplicity and ease of using our apps. 1
  • We encourage the saving culture for our app users. 2
  • Each FIGI beneficiary automatically becomes an investor at the period of cashing out. The profit from the investment can be withdrawn anytime and the principal withdrawn once your loan has been repaid. 3


You can contact us anytime in 24 hours of 7 days on Phone, by email or through Live Chat on the FIGI web page.