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icon_widget_image Lekki Office 8b, Sola Oguntade Close, Off Durosimi Etti Street, Lekki Phase 1, Lagos icon_widget_image 08023060703, 09053820006-8 icon_widget_image Ikeja: 1D Agbareh Close, Off Bamishile Street, Allen Avenue, Ikeja, Lagos icon_widget_image 09059890403 icon_widget_image Ajah: Km 47, Ajah Epe Expressway, Fam Bus stop, Ajah, Lekki, Lagos. icon_widget_image 09053820024, 08023060703 icon_widget_image Abuja: Plot 1207, FHA, Lugbe Layout, Airport Road, Abuja icon_widget_image 09059890412 icon_widget_image customerrelations@firmus.com.ng 09059890403

Frequently Asked

Questions

Applying for a new loan

  1. You should be between 22 and 59 years old.
  2. You must run an account (Current or Savings) with a commercial Bank in Nigeria.
  3. Applicant must live and or work in Lagos State.
  4. You must have a verifiable monthly income.
  5. You must have a clean Credit Bureau Report.
  6. You must not have a history of returned cheques in your account.
  7. One recent passport photograph (within the last 6 months)
  8. Salary bank statement for the last 6 months (must be stamped by the bank).
  9. NUBAN Cheque leaves for the duration of Loan (agreed at branch) OR Filled Direct Debit Form
  10. Staff Identification card
  11. Letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to Firmus
  12. Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement) not older than 3 months
  13. Valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)
  1. One recent passport photograph
  2. Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  3. Valid work identification card/Business card.
  4. Most recent 6 months bank statement (Corporate and personal)
  5. Proof of tax registration or receipt of payment.
  6. Mean of repayment (NUBAN cheques only)
  7. Memorandum and articles of association.
  8. Certificate of incorporation.
  9. Recent utility bill (within the last three (3) months). (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill) (business and home)
  10. A guarantor

Guarantor requirements:

  1. Guarantor must be a staff of the Firmus approved guarantor list
  2. One recent passport photograph
  1. Nuban cheque leaves
  2. Letter of employment, confirmation, promotion, redeployment or salary increase.
  3. Valid work identification card.
  • Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  • Recent utility bill (within the last three (3) months) (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill).
  1. Official email address.
  2. Filled guarantor’s form

Existing loan enquiry

  1. You should be between 22 and 59 years old.
  2. You must run an account (Current or Savings) with a commercial Bank in Nigeria.
  3. Applicant must live and or work in Lagos State.
  4. You must have a verifiable monthly income.
  5. You must have a clean Credit Bureau Report.
  6. You must not have a history of returned cheques in your account.
  7. One recent passport photograph (within the last 6 months)
  8. Salary bank statement for the last 6 months (must be stamped by the bank).
  9. NUBAN Cheque leaves for the duration of Loan (agreed at branch) OR Filled Direct Debit Form
  10. Staff Identification card
  11. Letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to Firmus
  12. Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement) not older than 3 months
  13. Valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)
  1. One recent passport photograph
  2. Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  3. Valid work identification card/Business card.
  4. Most recent 6 months bank statement (Corporate and personal)
  5. Proof of tax registration or receipt of payment.
  6. Mean of repayment (NUBAN cheques only)
  7. Memorandum and articles of association.
  8. Certificate of incorporation.
  9. Recent utility bill (within the last three (3) months). (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill) (business and home)
  10. A guarantor

Guarantor requirements:

  1. Guarantor must be a staff of the Firmus approved guarantor list
  2. One recent passport photograph
  1. Nuban cheque leaves
  2. Letter of employment, confirmation, promotion, redeployment or salary increase.
  3. Valid work identification card.
  • Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  • Recent utility bill (within the last three (3) months) (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill).
  1. Official email address.
  2. Filled guarantor’s form

Repayment Enquiry

  1. You should be between 22 and 59 years old.
  2. You must run an account (Current or Savings) with a commercial Bank in Nigeria.
  3. Applicant must live and or work in Lagos State.
  4. You must have a verifiable monthly income.
  5. You must have a clean Credit Bureau Report.
  6. You must not have a history of returned cheques in your account.
  7. One recent passport photograph (within the last 6 months)
  8. Salary bank statement for the last 6 months (must be stamped by the bank).
  9. NUBAN Cheque leaves for the duration of Loan (agreed at branch) OR Filled Direct Debit Form
  10. Staff Identification card
  11. Letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to Firmus
  12. Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement) not older than 3 months
  13. Valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)
  1. One recent passport photograph
  2. Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  3. Valid work identification card/Business card.
  4. Most recent 6 months bank statement (Corporate and personal)
  5. Proof of tax registration or receipt of payment.
  6. Mean of repayment (NUBAN cheques only)
  7. Memorandum and articles of association.
  8. Certificate of incorporation.
  9. Recent utility bill (within the last three (3) months). (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill) (business and home)
  10. A guarantor

Guarantor requirements:

  1. Guarantor must be a staff of the Firmus approved guarantor list
  2. One recent passport photograph
  1. Nuban cheque leaves
  2. Letter of employment, confirmation, promotion, redeployment or salary increase.
  3. Valid work identification card.
  • Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  • Recent utility bill (within the last three (3) months) (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill).
  1. Official email address.
  2. Filled guarantor’s form

Loan approval Enquiry

  1. You should be between 22 and 59 years old.
  2. You must run an account (Current or Savings) with a commercial Bank in Nigeria.
  3. Applicant must live and or work in Lagos State.
  4. You must have a verifiable monthly income.
  5. You must have a clean Credit Bureau Report.
  6. You must not have a history of returned cheques in your account.
  7. One recent passport photograph (within the last 6 months)
  8. Salary bank statement for the last 6 months (must be stamped by the bank).
  9. NUBAN Cheque leaves for the duration of Loan (agreed at branch) OR Filled Direct Debit Form
  10. Staff Identification card
  11. Letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to Firmus
  12. Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement) not older than 3 months
  13. Valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)
  1. One recent passport photograph
  2. Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  3. Valid work identification card/Business card.
  4. Most recent 6 months bank statement (Corporate and personal)
  5. Proof of tax registration or receipt of payment.
  6. Mean of repayment (NUBAN cheques only)
  7. Memorandum and articles of association.
  8. Certificate of incorporation.
  9. Recent utility bill (within the last three (3) months). (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill) (business and home)
  10. A guarantor

Guarantor requirements:

  1. Guarantor must be a staff of the Firmus approved guarantor list
  2. One recent passport photograph
  1. Nuban cheque leaves
  2. Letter of employment, confirmation, promotion, redeployment or salary increase.
  3. Valid work identification card.
  • Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  • Recent utility bill (within the last three (3) months) (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill).
  1. Official email address.
  2. Filled guarantor’s form

Penanlties and fees

  1. You should be between 22 and 59 years old.
  2. You must run an account (Current or Savings) with a commercial Bank in Nigeria.
  3. Applicant must live and or work in Lagos State.
  4. You must have a verifiable monthly income.
  5. You must have a clean Credit Bureau Report.
  6. You must not have a history of returned cheques in your account.
  7. One recent passport photograph (within the last 6 months)
  8. Salary bank statement for the last 6 months (must be stamped by the bank).
  9. NUBAN Cheque leaves for the duration of Loan (agreed at branch) OR Filled Direct Debit Form
  10. Staff Identification card
  11. Letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to Firmus
  12. Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement) not older than 3 months
  13. Valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)
  1. One recent passport photograph
  2. Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  3. Valid work identification card/Business card.
  4. Most recent 6 months bank statement (Corporate and personal)
  5. Proof of tax registration or receipt of payment.
  6. Mean of repayment (NUBAN cheques only)
  7. Memorandum and articles of association.
  8. Certificate of incorporation.
  9. Recent utility bill (within the last three (3) months). (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill) (business and home)
  10. A guarantor

Guarantor requirements:

  1. Guarantor must be a staff of the Firmus approved guarantor list
  2. One recent passport photograph
  1. Nuban cheque leaves
  2. Letter of employment, confirmation, promotion, redeployment or salary increase.
  3. Valid work identification card.
  • Valid proof of government identification (International passport, National Identification card, Driver’s license, Voter’s card and National Identity Management Commission card).
  • Recent utility bill (within the last three (3) months) (Lawma bill, Recent Rent Agreement, Water bill, Electricity bill).
  1. Official email address.
  2. Filled guarantor’s form