Fint loan – The best money lending platform with low interest rates, borrow up to N1,000,000 with no collateral

Fint loan is regarded as one of the best money lending platforms with low interest rate in Nigeria where one can borrow up to N1 Million within maximum of 2 to 5 business days if being accepted directly to your bank account.

There are many other Money lending platforms in Nigeria namely: KiakiaSpectaKwikmoney to name but a few. Who offers good amount of money to business owners, individuals and so on, but none can be compared with fint which offers low interest rate to its users.

Isn’t that great? Yes it is, If you may answer. So in this article, am going to first and most importantly give you a throughout review of what fint loan is all about, it’s interest rate, repayment Channel and many others.

Fint Loan

Fint is Nigeria’s first loan marketplace that connect lenders who are looking for a competitive returns with credit-worthy borrowers/ individuals that are looking for short term personal or business loans, with low interest rates.

Fint has an automated, simple to use, transparent and hassle free loan system, which ensures the borrowing needs of its users/individuals are met quickly and efficiently. thereby, connecting lenders and borrowers in the debt financing space, with fint, it’s a win win situation for both the lenders and borrowers.

How Fint Loan Works in Nigeria

Find loan works in this following ways:

  1. Get your fint score and verify your details – every borrower has to take a fint risk assessment to qualify for a loan. Your fint score determines the interest rate you pay. The fint score is an indication that a borrower qualifies for a loan and their grade reflects risky the assessment thinks the borrower is. Pay verification fee if N3,000 to allow fint to verify your home and work address.
  2. Choose your loan tenor – every borrower has to choose the term he/she wants to repay a loan.
  3. Upload documents, be verified and get a loan – fint carry out some verification check on each borrowers information. Immediately they upload the required documents, their loan Becomes visible on the fint platform for lenders to lend to you.
  4. Disburse your loan – once fully funded, it is advisable to pay the 8% commitment fee and your loan will be sent to your bank account within 24 hours.

Fint Loan Requirements

Before accessing for a loan on fint, fint requires the following information from you.

  1. You must be age 21 years and above
  2. You must live/reside in Lagos, Nigeria.
  3. You must have a sufficient income and is risk-worthy.
  4. You must have a bank account
  5. You must provide a bank statements of at least 6 months
  6. You must provide your proof of employment/ company ID
  7. You must provide a proof of identity (passport, national ID and driver’s license)
  8. Then, you can apply for a fint loan.

Are My Personal Data And Bank Details Secured With Fint?

The answer is yes. All your information that is displayed to lenders is used to determine whether they want to lend in you, or not. Only financial information with no direct ties to the personal identity of a borrower is revealed.

Fint Loan Interest Rates

As a borrower on fint, you gain access to loans at as low as 2% in a month. You do not require any collateral before accessing for a loan.


Your fint loan interest rate solely depends on your risk assessment score.

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Risk Assessment Score, What Is It?

A risk assessment score is a numeric expression based on a level analysis of a borrowers information, to represent the credit-worthiness of the borrower.

Then, based on your risk score, there’s an interest rate being attached to your loan request. However, as a borrower on fint, you have the right to decide whether or not to borrow if the interest rate didn’t suit your taste.

What To Benefit As A Borrower On Fint

As a borrower on fint, these are they things you stand to gain:

  • Low fixed interest rates
  • Access to money for loans
  • Fast cash, once approved (maximum of 19 days)
  • Easy and quick application
  • No early prepayment fees (prepayment is the early repayment of a loan by a borrower, in part or in full).

How To Get A Loan From Fint

Applying for a loan through Fint is fast, easy and confidential. As long as you abide by this methods:

  • Visit the fint website @ and click on “get started”

  • A new page will open, where you are being ask to kindly select your account type, Choose either borrower (if you want to obtain a loan) or lender ( if you are an investor). But since this article is about how to borrow a loan, so let’s concentrate on Borrow.
  • Now, since you don’t have an account with them, scroll down and click on “create account” to create one.
  • Fill in your details such as: your name, birth of date, gender, email address, phone number, bank details etc.
  • Take the risk assessment test to obtain a risk score which will also determine your interest rate.

  • Accept their terms and conditions as well as interest rate assigned.

  • Pay the sum of N3,000 for the verification of your address and credit history check by fint (it’s a one time payment).

  • Once approved, upload necessary documents for verification and after this, the platform will save your request. Then, your funds will be sent to you once an investor funds it.

Fint Loan Repayment Schedule

Since you provided your card/bank details during registration, fint will automatically deducts your payment on the agreed due date. Two days and also a day before the loan repayment is due, fint will send you a reminder through text/email, after which the borrower is then charge.

Wait, Are There Any Reward For Repaying My Loan Early, As A Borrower On Fint?

Yes, your risk score will improve and you will be able to access a better interest rate for future loans on the fint platform.


Fint loan is without doubt, one of the best loan lending platforms in Nigeria’s fintech industry. That allows borrowers to borrow from N10,000 to N1,000,000 all with no collateral. But are expected to pay back in 3 to 24 months time.

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