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Kredi Bank - Loans and savings
Kredi Bank - Loans and savings Vs. Moni: Savings & Loans

Kredi Bank - Loans and savings 與 Moni: Savings & Loans 使用情況與統計

Banking needs to be convenient and Kredi is designed to make processes and transactions more efficient and secure. Kredi features include: - Account Opening: Opening a Kredi account can be done wherever you are and whenever you want. Simply select an account type and fill in your personal details. It’s easy peasy! - Save Money: Saving your money just got better. Simply log into your Kredi account, click the “start saving “ button to start saving immediately for all your needs and goals. - Loans: Kredi provides small, short term nano, SME, salary-backed and collateral-backed loans to cushion your finances when you need it. - Fund Account: Send money and make direct deposits to other bank accounts. With your Kredi account, you enjoy secure transactions with just one click. - Transfer: Enjoy credible, convenient and quick transfers. You can make transfers to Third Parties seamlessly and in no time. Start making your transfers! - Bill Payment: Reliable and secure way to settle your bills and fast payments. Just create an account to manage and pay your bills online with Kredi. - Airtime Top-up: Our airtime & data top-up service allows you to send mobile credit to any mobile network. You can buy instant airtime for family and friends where you want, when you want.

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Moni: Savings & Loans

Access a range of financial solutions on Moni. Earn high interest on your savings and enjoy short and long-term loans for your business. Your savings are safe in Moni Vault and loans are disbursed within a few minutes on Moni Float. What does saving on Moni look like? Create a flexible, targeted, or fixed savings plan on Moni and earn from 7%-21% interest rate. Save as low as N100 daily, weekly, bi-weekly, or monthly. Automate your savings schedule and get notified at appropriate times. Activate your Moni Wallet to fund your savings plan. Achieve multiple savings goals. Contribute your savings at no fees or charges. Stash away lump sum of money in Reserve for at least 3 months and earn as high as 21% interest rate. Enjoy instant withdrawal. Cultivate a savings habit. Enjoy instant technical support within the app. Saving on Moni is easy. Get started in 3 steps: 1. Download the Moni app 2. Provide some information to set up your profile 3. Create your savings plans. Example of a Moni Savings; - Create a reserve plan- lock away a sum of money to prevent spending temptation. - Set duration to 1 year. - Choose to withdraw interest at maturity - Fund plan with N1,000,000 - At the end of 1 year, withdraw N1,210,000. A Moni Loan: To access a Moni Loan, you must have joined a Cluster. Loans are accessible to businesses who have joined a Moni Cluster using unique Cluster codes No collateral or guarantee required Once your request to join a cluster is approved, and your business performance is reviewed, you can take loans from N50,000 - N3Million No hidden fees or charges Loan terms are clearly stated at the point of the loan request Decide your loan tenure. You can repay in up to 12 months. Enjoy competitive interest rates from 24% - 35.36% APR The eligibility amount is increased as your OTR(on-time repayment rate) increases Enjoy social accountability with the businesses in your cluster The Moni loan process is simple; 1. Download the Moni app. Sign up with your phone number & email address 2. Request to join a Float cluster 3. Provide information about your business for loan eligibility review 4. Start accessing float to grow your business. Moni’s Interest Rate and Loan Repayment Loan requests can be between N50,000 - N3Million with no collateral or guarantee request Repay the loan in up to 12 months. Our Annual Percentage Rate (APR) is 24% to 35.36% Example of a Moni Loan - Loan Amount: N2,000,000 - Loan Tenure: 24 weeks - Repayment Type: weekly: - Weekly Interest rate: 0.6% - Weekly Repayment: N95,333 - Total Amount Payable: N2,288,000 - APR: 31.2%