Gaining Financial Freedom.
Fast, simple loans for individuals, businesses and transport operators.
- No savings required
- Flexible repayment
- Funds within 3 working days of approval
Credit that fits how you earn.
Six products for traders, workers, drivers and companies. Each has its own clear requirements.
Micro & Trading
Working capital for market traders, food vendors and shops.
DetailsSalary & Personal
Support for full-time employees with steady income.
DetailsAuto & Transport
For taxi and trotro drivers, owners or work-and-pay.
DetailsSpecial Purpose
Rent, medical bills and school fees, funded quickly.
DetailsFuneral
Short-term financing during times of loss.
DetailsContract
Capital to execute contracts and meet deadlines.
DetailsFrom enquiry to disbursement.
A straightforward process with an assessment, so we lend responsibly.
- EnquireApply or visit a branch
- AssessmentHome or business visit
- DocumentsSubmit and verify
- Credit reviewChecks and decision
- ApprovalOffer letter signed
- DisbursementWithin 3 working days
- RepaymentPay your way, get SMS
Know the cost before you apply.
Pick an amount, a duration and how often you want to repay. See an illustrative estimate of the interest and what you would repay.
Illustrative only. Your final terms are set out in your loan offer letter.
See NDL in action.
Real moments from our customers and team, straight from our TikTok.
Two branches, always close.
Ready to take the next step?
Start with a two-minute eligibility check. It's not an approval, just a clear idea of what to bring.