Loans for every need
Get the funding you need — fast. From personal loans to business working capital,
Yes Microfinance Bank offers flexible loan solutions with quick approval and easy application via our app.
Licensed by Central Bank of Nigeria (CBN)
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Deposits insured by NDIC
Why choose Yes Microfinance Bank for your loan?
Fast approval
Flexible terms
Apply via app
24hr disbursement
24/7 support
Loan products
Choose the loan that fits your needs. All loans are available via the Yes Microfinance Bank app.
Fast
Personal Loan
Quick funding for your personal needs — from emergencies to planned expenses.
- Up to ₦10,000,000
- Flexible tenure up to 24 months
- No collateral required
- Instant approval via app
Download App to Apply
Business
Business Loan
Fuel your business growth with working capital, equipment financing, and expansion funds.
- Up to ₦50,000,000
- Working capital & expansion
- Flexible repayment
- Quick disbursement
Download App to Apply
Card
Credit Card Loan
Convert your credit card balance into a fixed-term loan with lower interest rates.
- Convert your card balance
- Up to ₦5,000,000
- Fixed monthly payments
- No extra fees
Download App to Apply
Business
Working Capital
Keep your business running smoothly with flexible working capital to cover operational costs.
- Up to ₦30,000,000
- Inventory & supplier financing
- Revolving facility
- Interest on utilized amount
Download App to Apply
Flexible
Overdraft Facility
Access extra funds when you need them most with a flexible overdraft on your current account.
- Up to ₦15,000,000
- Interest only on used amount
- Flexible repayment
- Quick approval
Download App to Apply
Need help choosing?
Our loan advisors are here to help you find the right product for your needs.
- 24/7 customer support
- Dedicated relationship manager
- Fast response
Contact Support
Frequently Asked Questions
Find answers to common questions about our loan products.
How do I apply for a loan?
You can apply for any loan directly through the Yes Microfinance Bank mobile app. Simply download the app, log in to your account, navigate to the Loans section, and follow the application process. You'll receive a decision within minutes.
How long does it take to get approved and what are the repayment terms?
- Personal loans: Approved in as little as 15 minutes. Repayment tenor is up to 12 months.
- Business loans: Approval within 24 hours. A guarantor is required, and for amounts of ₦5,000,000 and above, collateral and cheque leaves are also required.
- Other loans: Approval times vary by product. All loans are disbursed within 24 hours of approval.
What documents do I need?
For personal loans, you'll need a valid ID, proof of income, and bank statements. Business loans require additional documents like business registration, tax returns, financial statements, and guarantor details. All documents can be uploaded directly through the app.
Can I repay my loan early?
Yes, you can repay your loan early without any penalties. Simply make additional payments through the app or contact our support team to arrange early repayment.
What happens if I miss a payment?
We understand that things happen. Please contact our support team as soon as possible to discuss your situation. We offer flexible repayment options and can work with you to find a solution that fits your circumstances.
Is my personal information secure?
Yes, Yes Microfinance Bank uses industry-standard encryption and security measures to protect your personal and financial information. We are fully compliant with Nigerian data protection regulations.
Apply for a loan today
Download the Yes Microfinance Bank app and get approved in minutes.
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