// Instant loans
Quick loans without the paperwork or the queues.
Whether it's an emergency, a bill, or stock for your business - apply 24/7 and get funded in seconds.
Apply for a loan →// Why borrow with Prodigy
Built for how Nigerians actually borrow.
- ✓Simple and paperwork-light. Your banking history is your credibility.
- ✓Available 24/7. Weekends, public holidays, 2 a.m. - funding never sleeps.
- ✓Transparent pricing. Your rate, fees and repayment schedule are shown before you accept - no surprises.
- ✓A limit that grows with you. Every on-time repayment increases your loan limit and reduces your rate.
Applied
09:41 AM
Loan requestAPPROVED
₦0
Disbursed to your Prodigy account
Charges
No hidden fees
Funded in
Seconds
// How it works
From application to alert in four steps
01
Apply in minutes
Tell us how much you need and for how long - on the app or right here on the website.
02
Instant decision
Our system reviews your profile automatically. No paperwork and no office visits.
03
Funds in seconds
Approved loans land directly in your Prodigy account, any time of day, any day of the year.
04
Repay & grow
Repay conveniently from the app. On-time repayment unlocks larger limits and better rates.
Ready when you are.
Apply on the website and our team will call you back, or download the app for instant approval.