How It Works

Check eligibility

Verify your identity, bank account, and income in minutes. Our eligibility check verifies your identity via NIN/BVN and reviews your income evidence.

Choose your loan

Pick a product and amount that fits your need. See your full cost breakdown upfront — principal, interest, total repayment, and exact due date.

Accept your offer

Review every detail before accepting. Principal, interest, total repayment, and the exact date are shown in full. Nothing changes after you accept.

Get funded, repay on time

Approved funds are sent directly to your bank account. Track your loan and repayment date from your dashboard, and repay on time to unlock better offers.

Simple, honest eligibility

To qualify for a BorrowBanana loan product, you'll need to meet these criteria.

What you need

Verified identity (NIN/BVN verification)
Active Nigerian bank account
Evidence of regular income or salary
Pass a simple affordability check
A defined loan limit based on your income

Responsible borrowing

Short-term credit should bridge a gap, not become one. BorrowBanana never guarantees approval and always shows full costs before you accept.

Only borrow what you can comfortably repay on the due date
Review the full cost breakdown before accepting any offer
Contact support early if you anticipate a repayment problem