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“No matter your financing needs, we provide competitive loan options tailored for you.”
Featured Personal Products
PayDay Loan
Andray Finance PayDay Loan is special loan product tailored for individuals with confirmed employment status (both salary and non-salary earners)
5% Interest Rate
1% Management Fee
1% Credit Assurance
7.5% VAT on the Management Fee
- Minimum Facility Amount is ₦50,000
- Maximum Facility Limit is ₦500,000
- Maximum Tenor 45 Days
Issuer and servicer: Andray Finance Limited
Andray Nano
Quick Credit Loan for both cash flow customers and salary earners, providing a short-term facility to individuals with regular cash inflow.
15% Interest Rate
1% Management Fee
1% Credit Assurance
7.5% VAT on the Management Fee
- Minimum Facility Amount is ₦20,000
- Maximum Facility Limit is ₦50,000
- Maximum Tenor 15 Days
Issuer and servicer: Andray Finance Limited
Medicare Advance
When a medical emergency strikes, time is critical—and so is access to quick and affordable healthcare financing without hassles or delay.
3% Interest Rate
1% Management Fee
1% Credit Assurance
7.5% VAT on the Management Fee
- Minimum Facility Amount is ₦50,000
- Maximum Facility Limit is ₦5,000,000
- Maximum Tenor 180 Days
Issuer and servicer: Andray Finance Limited
Emergency Loan
A personal loan that can help cover unexpected expenses, such as car repairs, rent, home improvements, and other miscellaneous costs—access quick funding.
5% Interest Rate
1% Management Fee
1% Credit Assurance
7.5% VAT on the Management Fee
- Maximum Facility Limit is ₦1,000,000
- Maximum Tenor 90days
Issuer and servicer: Andray Finance Limited
Andray EDU-Advance
Short-term financing for parents or guardians when school fees are due, available for permanently employed individuals with proven repayment capacity.
3% Interest Rate
1% Credit Assurance
- Minimum Facility Amount is ₦50,000
- Maximum Facility Limit is ₦5,000,000
- Maximum Tenor 12 Months
- School/Tuition fees will be paid directly to the child/ward’s school
36%p.a (PLR) interest rate
Issuer and servicer: Andray Finance Limited
Personal Asset Financing
For formally employed staff of companies, Self-employed individuals with a steady income from their business ventures, and Groups of Salary earners under an association.
10% Interest Rate Per Month
1% Management Fee
1% Credit Assurance
7.5% VAT on the Management Fee
- Maximum Facility Limit is ₦1,500,000
- Maximum Tenor 12 months
Issuer and servicer: Andray Finance Limited
Pay Bills, Buy Airtime Online
If you’re ready to get started with Andray Finance®, you can open your new account online in just minutes!
“We’re incredibly proud to be ranked among the strongest digital lending agency in the country.”
– Bayowa Fredrick Borokini, Andray Finance’s Founder and Chairman
Featured Services
Business
Discover flexible business loan options, including Invoice, LPO, and Supply Chain Financing. Apply to grow your business!
Products and services offered are: Not NDIC Insured | No Loan Guarantee
Personal
Get customized loans designed to meet your specific personal needs, regardless of your credit situation. Make a request today.
Products and services offered are: Not NDIC Insured | No Loan Guarantee
Commercial
We can provide lending solutions to finance business expansions, commercial real estate, major equipment purchases, and more.
Products and services offered are: Not NDIC Insured | No Loan Guarantee
Have Questions?
We take pride in providing quality customer service, and that’s why we’re here seven days a week for you. You can contact us today with any questions, comments, or concerns and we’ll get back to you as soon as possible. You can also check out our FAQ page to find answers to some of our more common questions.
