Bridge Credit offers personal loans with low interest rates and a simplified repayment structure to customers.
We apply a risk-based pricing to determine repayment on loans.
– You must be in paid employment
– You must have a salary account
– You must be between 22 and 55 years old
– You must have positive credit history
You can access between N50,000.00 to N2,000,000.00 depending on your monthly Net Pay.
On your salary pay day.
If you find that you can't make an upcoming payment, inform us by calling 0700-BRIDGECREDIT (0700-274343273348) or send an email to firstname.lastname@example.org
No, you cannot make part payment as your repayment dates and monthly repayment amount are agreed before loan disbursement.
Yes, your repayment date can be changed if it is due to change of employment and/or salary date. To facilitate this change, please send request via mail to email@example.com with evidence of the change of employment and pay day.
Yes you can pre-liquidate your loan, however there is a pre-liquidation fee of 3% of outstanding loan value.
You can apply immediately after a full repayment of existing loan.
– Recent Passport Photograph
– Employment Letter & Confirmation or Promotion Letter
– 6 Month salary account statement
– Post Dated Cheques(NUBAN Compliant) / Standing Order
– Company’s Staff ID card & Valid National ID card
– Recent Utility Bill
You can upload your documents and submit online with your application form. Our loan agents would pick up your cheques and hard copies of other required documents from your office.
– Direct Debit
– Standing Order/Instruction
– Interswitch vide our website
If you don’t want your cheques presented you can make payment in our account to be advised upon notifying you (You must inform us at least 72 hours before your repayment date and effect transfer at least 48 hours before the payment date on the cheques)
The default penalty is 3% per month on the unpaid sum. If the default exceeds 1 month, more stringent measures may be applied which may include:
– Taking police/legal action for issuing dud cheque
– Reporting defaulter to his/her employer
– Reporting defaulter to Credit Bureau
Yes, you can extend an existing facility loan tenor through a Top-up. As an existing customer, you can access a maximum tenor of 12 months.
A top up is returning/increasing the balances on an existing loan facility. The existing facility will be liquidated in order to process a new loan, as you cannot have two loans running simultaneously. The amount of money receivable (the difference between the New Principal and Unpaid Principal on the Existing Loan) will be communicated and disbursed into your account.
No. You can only access one loan at a time, but you can apply for a top up loan after three repayments on your existing loan.
No. At no point in time should you make any loan repayment to any staff or agent’s personal account and neither should you make cash payment to anyone.