Engineers
Working capital structured around your contracts, inventory and monthly cash cycle.
Apply for a Loan Today
Nigeria's friendliest business lenderApply for a Loan Today See the 3 simple steps
Capital that moves as fast as your hustle
Asset-backed naira loans built for Nigerian businesses and professionals. Apply on this website, get a decision in minutes and receive funds straight into your bank account.
1,000+
Businesses funded across Nigeria
From ₦500,000 to ₦5,000,000 · 1 month maximum tenure
Data protected to CBN standards
Decision in under 5 minutes
Asset-backed, transparent terms
Nationwide across 36 states
3 Simple Steps to Access a Loan
No branch visits. No stacks of paper. Everything happens right here on the website.
- 01
Fill the form
Complete the online application with your personal, business and bank details. It takes about 4 minutes.
- 02
Meet all requirements
Be 21–60, a Nigerian with a valid BVN, NIN and a bank account that receives your income.
- 03
Get funded instantly
Once approved, your naira is transferred straight to your bank account — same session, no waiting.
Plan with confidence
See what your repayment looks like
Move the slider to plan before you apply. Clear naira figures, no hidden charges, no surprise deductions.
Loan amount₦500,000
₦500,000 – ₦5,000,000
Tenure
1 month
Total repayable
₦580,000
Collateral value
₦1,250,000
Includes 15.0% interest and a ₦5,000 processing fee. Collateral estimate is approximately 250% of the loan value.
Illustration only. Your final offer depends on your profile. Interest rate: 15% for the one-month term.
Loan approved · ₦2,500,000
Why people choose Paylux
Instant funding
Approved applications are paid out the same session, 24/7 — including weekends and public holidays.
Naira, plain and clear
Every fee is shown in naira before you accept. No hidden charges, no surprise deductions.
Built for Nigerian business
Traders, engineers, contractors, dealers and creatives. Eligible assets help secure your business loan.
Your data stays safe
Bank-grade encryption on your BVN, NIN and account details. We never sell your information.
- 1,000+
- Businesses funded
- 5 mins
- Average payout time
- 36
- States covered
- ₦2.4bn
- Disbursed to Nigerians
Application requirements
Age 21 – 60
You must be a Nigerian citizen or legal resident within this age range.
Valid BVN and NIN
Both are verified instantly during your application.
Government-issued ID
NIN slip, driver's licence, voter's card or international passport.
Active bank account
A Nigerian account in your name that receives your income.
Verifiable income
Business turnover, salary or contract income we can confirm.
Eligible collateral
Assets worth approximately 250% of the requested loan value.
Real people. Real naira. Real growth.
“I used my verified business assets to support the application and restocked my Balogun market shop the same afternoon.”
“We had a site to mobilise and the client payment was delayed. Paylux funded us in six minutes.”
“Cleared two units from the port and sold them before the loan was even due.”
Capital for real enterprise
Businesses we support
Purpose-built funding for Nigerians building the businesses that move the country.
SMEs
Contractors
Car Dealers
Fashion
Beauty
Food
Accessories
01 / 00
Frequently asked questions
Your next move shouldn't wait for payday
Fill the form, meet the requirements, get funded instantly.
Apply for a Loan Today