Simply sign up with your phone number, complete your profile, and choose the loan amount you need. The process takes just a few minutes.

Motolend is available to Nigerian residents who are 18 years or older, have a valid bank account, and meet our basic eligibility requirements. You will need a smartphone and a registered phone number to get started.

Most applications receive a decision within minutes. Once approved, funds are typically disbursed to your bank account within 5 minutes, depending on your bank's processing time.

You can repay directly through the Motolend app using your linked bank account or debit card. Your repayment schedule is shown clearly before you accept any loan offer.

Missing a payment may result in late fees and could affect your credit limit and future loan eligibility. We recommend setting up reminders in the app and contacting support early if you anticipate difficulty repaying on time.