P2P Lending Platform — Lagos, Nigeria

Affordable credit
for Africans.

FINT matches credit-worthy individuals and businesses to investors offering competitive rates — making affordable loans fast and conveniently accessible across Africa.

No guarantor required
Online in minutes
200m+
Individuals in Nigeria — only 3% have formal credit access
$140b
Credit gap in Nigeria — the opportunity FINT is built to address
300%
Year-on-year revenue growth — strong early traction

A smarter way to access credit

Apply online, get assessed automatically, and access funds. Investors fund your loan; you repay monthly.

01

Apply Online

Complete your application in minutes.

02

Automated Credit Assessment

The FINT system automatically evaluates your creditworthiness and assigns your rate. Objective, fast, no loan officer required.

03

Funded by Investors

Your verified loan is made available to FINT's investor network — institutional and individual. Once funded, the loan is disbursed to you.

04

Repay Monthly, Hassle-Free

Repay in affordable monthly instalments over your tenure. Investors earn returns from your repayments — aligned incentives all round.

Platform flow
Borrower (Individual / SME)
Applies online, gets assessed & verified
FINT Platform
Matches borrowers to investors at best rates
Investor Network
Institutional & individual investors fund loans
Loan Disbursed & Repaid
Borrower repays monthly; investor earns returns

Credit that works for you

FINT tackles the three biggest barriers to credit in Africa: lack of access, high cost, and a slow, tedious process.

Individuals

Need a personal loan quickly without the paperwork? FINT is built for you — credit-worthy individuals get competitive rates and fast access without visiting a single branch.

  • Apply in minutes, entirely online
  • No guarantor or collateral required
  • Automated assessment — fair & transparent
  • Competitive rates set by investor competition
  • Repay monthly over your chosen tenure
Request Access

SMEs & Businesses

Working capital, invoice float, or sector-specific embedded credit — FINT gives Nigerian businesses the financing tools they need to grow without the traditional banking bottleneck.

  • Working capital & invoice discounting
  • No collateral — creditworthiness-based lending
  • Fast disbursement when you need it most
  • USSD, web, app & agent access channels
Request Access

Are you an investor?

Earn competitive returns by funding credit-worthy borrowers. FINT connects you to vetted loan opportunities across Africa.

Get in Touch

Apply in under 5 minutes

Multiple channels so you can borrow the way that suits you.

USSD Shortcode

Works on any phone — no internet required. Available to 140m users via MTN, Airtel, and 9mobile.

Web & Mobile App

Apply directly on FINT's web or mobile platform — seamless, fully online, zero redirects.

Agent Networks

Walk-in access through local payment agents — the same people you already trust for everyday transactions.

Ready to access affordable credit?

FINT is financially empowering Africans by making affordable credit conveniently accessible. Get in touch to learn more.