Monibac vs Swift-Money使用状況と統計

Monibac is an app where you can access loans without any collateral, save and earn interest on your savings, and easily top up and withdraw to your account. Why Monibac? 1. You do not need collateral before you can access a loan 2. There are no charges on both deposits or loans. 3. You can get an additional 50% of your savings as a loan. 4. You can get from 20,000NGN to 500,000NGN as a loan 5. We will always send reminders for your repayment without much disturbance. How it works Install the Monibac App from App Store Register your account Start saving After 3 months, the customer is eligible to request a loan of up to 150% of their total savings. If they request for the loan, they submit their request on the app, we check to ensure their KYC documents are complete. If the loan is approved, they will get a request to E-sign. Once they sign, the approved amount is added to their Monibac Balance Apart from loans, they can also lock their savings for a specified period of time. For example; if they save for 3 months, they get 3% of their savings. 6 months, they get 5%. Our Loan Product Tenure- Our tenure ranges from 90 to 180 days. Interest rate for 90 days is 9% Interest rate for 180 days is 15% Loan amount will be capped at N5 million Our interest rate depends on the tenure the customer chose. An example of how this loan and repayment works…. If a customer has N200,000 as total savings, they can get a loan of N300,000. If they take the loan for a period of 3 months, then the 9% interest will be on the principal amount of N100,000 which is 9,000. Therefore, the total payable amount will be N109,000. Since the repayment is monthly, the N109,000 divided by 3 months = N36.333 Our APR is between 30.4% and 36.5% if we use 15% for the 6-month repayment and 9% for 3 months respectively. Eligibility 1. Above 18 years. 2. Lives in Nigeria 3. Have saved on our platform for over 3 months Contact Us Customer service Email> admin@monibac.com Customer service Hotline> 07060953139 Address > Block A211, Sura shopping complex, Lagos Island, Lagos state.

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Swift-Money

Easy Money Transfers & Access To Credit. Send Money, Receive Money, Access Credit, Pay back Later. Avoid the shame of see finish and never run out of funds with SwiftMoney. SwiftMoney gives you financial freedom-whether you are a business owner,salary earner or an individual, we make sure money is available when you need it and ensure you never have insufficient funds. Our goal is to flag financial inclusion by making sure that everyone who needs money can access it. About this app SwiftMoney caters to all your money needs in one place. It is a digital wallet for easy and fast transfer of money, it also grant easy access to credit when you need it and let’s you build your credit score. **What we offer** **Access Credit:** Get credit ranging from N5000 to N10M with zero-interest when you pay back within the first 30 days and 0.15% daily interest rate after 30 days. Example: If you take a 5,000 Naira credit, if you pay back within 30 days, you do not pay an interest. But, for everyday after 30 days,Swift Money charges 0.15% daily interest rate which is 7.50 Naira for N5,000. SwiftMoney starts giving you credit from a Minimum value and then builds it up depending on how often you take and pay back your credit. You can access Secure Credit simply by dropping a deposit to get up to 20% extra on your deposit Example: You fund your SwiftMoney wallet with 500,000 and you get access to 600,000, if you pay back within 30 days, you do not pay an interest. But, for everyday after 30 days,SwiftMoney charges 0.15% daily interest rate which is 7.50 Naira. SEND MONEY Send money in less than 4 clicks Send money for free to other SwiftMoney users Pay N20 when sending money to users on other banks 20% charge when you’re sending from your credit wallet to other banks RECEIVE MONEY Receive money quickly Get up to N200 when you add or receive N5000 and above in your SwiftMoney Wallet Receive money from other SwiftMoney and other bank users Get money when you need it and be on your way to financial freedom when you download SwiftMoney HOW TO GET STARTED Download SwiftMoney 1. Fill in. your details and Sign up 2. Login with your phone number 3. And enjoy financial freedom