Quick & Easy Loans

Get instant access to funds with our flexible loan options. Fast approval, competitive rates, and transparent terms.
Once you've saved with OWODE for at least 30 days, you're eligible to apply for a loan with just 10% interest. We offer simple, fast, and fair micro-loans designed to support your business or emergency needs. All you need is a guarantor and good savings history.

Choose Your Loan Type

We offer various loan products to meet your specific needs

Personal Loan

For personal expenses and emergencies

Amount: ₦50,000 - ₦2,000,000
Interest Rate: 2.5% - 5% monthly
Duration: 1 - 12 months
Approval: Within 24 hours

Business Loan

Grow your business with working capital

Amount: ₦100,000 - ₦10,000,000
Interest Rate: 2% - 4% monthly
Duration: 3 - 24 months
Approval: Within 48 hours

Emergency Loan

Instant cash for urgent situations

Amount: ₦10,000 - ₦500,000
Interest Rate: 3% - 6% monthly
Duration: 1 - 6 months
Approval: Within 2 hours