For Employed Applicants
- You should be between 22 and 59 years old.
- You must run an account (Current or Savings) with a commercial Bank in Nigeria.
- Applicant must live and or work in Lagos State.
- You must have a verifiable monthly income.
- You must have a clean Credit Bureau Report.
- You must not have a history of returned cheques in your account.
- One recent passport photograph (within the last 6 months)
- Salary bank statement for the last 6 months (must be stamped by the bank).
- NUBAN Cheque leaves for the duration of Loan (agreed at branch) OR Filled Direct Debit Form
- Staff Identification card
- Letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to Firmus
- Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement) not older than 3 months
- Valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)
For Self-Employed Applicants
- One recent passport photograph
- Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
- Valid work identification card/Business card.
- Most recent 6 months bank statement (Corporate and personal)
- Proof of tax registration or receipt of payment.
- Mean of repayment (NUBAN cheques only)
- Memorandum and articles of association.
- Certificate of incorporation.
- Recent utility bill (within the last three (3) months). (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill) (business and home)
- A guarantor
Guarantor requirements:
- Guarantor must be a staff of the Firmus approved guarantor list
- One recent passport photograph
- Most recent 3 months bank statement signed and stamped by the bank or sent by your bank to: customerrelations@firmus.com.ng or customerservice@firmus.com.ng
- Nuban cheque leaves
- Letter of employment, confirmation, promotion, redeployment or salary increase.
- Valid work identification card.
- Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
- Recent utility bill (within the last three (3) months) (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill).
- Official email address.
- Filled guarantor’s form
