Some loans with higher amounts may require additional documents but this will be clearly indicated during the application process.

To ensure a smooth application process, make sure you meet all eligibility criteria, provide accurate information, and adhere to responsible borrowing practices. This will enhance your chances of a successful loan application.

The loan decision process usually takes about 24 hours [or longer during weekends] before updating your loan status. This is to properly review your loan application and ensure we give you exactly what you need.

However, we might have missed it so please let us know if your loan status has been pending for more than 24 hours to look into it.

Be rest assured that we will attend to your loan application and you will receive an email once this has been done.

However, for returning customers, some loans may be approved instantly by the system.

Our user-friendly customer dashboard provides real-time updates on your loan application status and virtual wallet balance.

Simply log in to your account to access your personalized dashboard, where you can view the current status of your application, track progress, and receive notifications regarding any updates or requirements.

There are several reasons why a loan application may be declined. Here are a few of the most common reasons: delayed repayments, poor quality selfie image, invalid ID card, invalid debit card, mismatch of BVN and selfie image.

Yes, you have the flexibility to repay your loan at any time before the due date. Feel free to make your repayment early, and you can do so through the provided repayment methods, ensuring a hassle-free process. Early repayment can also help you avoid any potential penalty charges associated with late payments.

Repayment for your loans can be done manually or automatically, on or before the loan’s due date.

There are various channels available to repay your loan, these include bank transfer, ATM card, direct debit or from your virtual wallet created for you when you sign up to our website.

Ensure that you make repayment on or before the due date to avoid any issues or additional charges. If you want the payment to be automatically charged to your card, be sure to keep your card funded with a sufficient amount before the due date.

NIBSS emandate is an innovative approach to activating a direct debit mandate. This type of mandate is electronically set up and customers are able to activate by themselves.

The lender or biller initiates the eMandate setup on the Andray Finance web platform or mobile application.

The customer sends a ₦50 transfer from the bank account on which the mandate is being set up, to a designated NIBSS account number at Paystack-Titan. This transfer can be done via internet banking, mobile banking, or USSD.

The customer must have at least ₦100 available in the bank account that will be debited after transferring the required ₦50 from the same account.

Scheduling a consultation is easy. You can use the contact form on our website, give us a call, or send us an email. Once we receive your request, a member of our team will reach out to arrange a time that works best for you.