ioumoney online loan guide

How it Works

Our machine learning algorithms process thousands of data points to assess borrowers credit profile and create tailored loan products – availing a unique loan amount to client and a unique repayment period without providing collateral.

Request Access for App

Request access for PayConnect App

Review and Approval
Review and Approval

Your bank alerts and other transactions that reflects on your phone are automatically analyzed and reviewed each time you receive an SMS/EMAIL Notification. An Approved Loan amount which you qualify for is highlighted on your dashboard.

Loan PAyout
Loan Payout

Loan amount is disbursed instantly to your PayConnect Loan e-wallet at your request which you can withdraw from any ATM, use on any POS or transfer to any bank account of their choice in Nigeria.

Loan Repayment
Loan Repayment

Repayment is effortless, as we automatically make deduction from your source account on the loan repayment due date.

Relevant Documents to accompany your application.

Government Approved ID Card 
(Drivers’ License, International Passport, National ID Card, Permanent Voters’ Card).


IOUMoney Online Loans Guide [e-Book]How to Apply & Receive Your First Loan Into Your Bank Account
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