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AfriLender

Loan management software · Made for Nigeria

Run your whole lending business online.

Your own branded website where customers apply, with NIN and BVN checks, bank statement analysis, scorecards, approvals, repayments and reports — from one place, for your whole team.

No setup fee · Prices in naira

The lender’s dashboard: portfolio outstanding, portfolio at risk, collections and arrears ageing

Apply online

on your own website and domain

Verify in minutes

NIN, BVN and a photo match

Decide with data

statements, scorecards, credit reports

Collect on time

reminders, standing orders, penalties

Everything on every plan

From application to last repayment.

Built with Nigerian lenders around how loans are really made: identity first, documents and guarantors, a second pair of eyes before money goes out.

Your website and brand

A complete site with your logo, colours, pages, blog and your own domain. Customers apply, upload documents and repay there.

NIN and BVN checks

Look up NIN and BVN records and compare the customer’s photo with the photos on them. Verified names can’t be edited.

Bank statements

Customers share statements through the bank’s own consent screen. See income, spending and red flags before you decide.

Scorecards and forms

Build your application form for each product and score applicants your way. Upload CRC and other credit reports.

Roles and approvals

Reviewers, approvers and admins with the permissions you choose. Nobody approves a loan they reviewed.

Repayments and collection

Bank transfers verified by staff, Paystack, Remita standing orders, flat or reducing interest, and penalties on overdue principal.

Savings

Savings products and accounts with deposits, withdrawals approved by a second person, interest and statements.

Reports and letters

Portfolio at risk, arrears ageing, collections, income and more, with PDF offer letters and statements in your words.

Comparing a customer’s photo with the NIN and BVN record photos

Know who you lend to

Identity first, every time.

Every customer is verified before they can apply: a code to their phone, then their NIN and BVN records and a photo compared with the record photos. Names and dates of birth come from the NIN, so they can’t be typed wrongly — or changed.

Your process, not ours

Design your own application form.

Drag and drop steps and questions for each product, show questions only when they apply, ask for the documents you need, and print chosen answers on the offer letter.

The application form builder

How it works

Taking applications within a day.

  1. 1

    Ask for a free trial

    Tell us about your company below. We set up your site at your own web address and email you a login.

  2. 2

    Make it yours

    A guided set-up: your logo and colours, loan products and rates, bank accounts, team and roles.

  3. 3

    Take applications

    Share your website. Customers verify, apply and repay online; your team reviews, approves and collects.

Pricing

Simple plans in naira.

Every feature on every plan. Choose by the size of your team and loan book, and change plan at any time.

Pay as you go, from your wallet

Checks and messages cost the same on every plan and are paid from a prepaid wallet you fund by bank transfer. You set a daily limit and get an alert when it runs low.

Bigger, or something special?

Private servers, your own integrations or a very large loan book: we’ll price a plan for you.

Prices exclude 7.5% VAT.

Questions

Good to know.

Can I use my own domain?

Yes. Your site starts at a web address of ours and you can connect your own domain from Settings; we set up the security certificate for you.

Who pays for NIN, BVN and statement checks?

You do, per check, from your prepaid wallet. You see every charge, can set a daily limit, and download a monthly statement.

Can I move my existing customers and loans?

Talk to us before your trial ends and we will help you bring your data across.

Is our data kept separate?

Every lender has its own database. Identity numbers and photos are encrypted, and your staff only see what their role allows.

What happens if I stop paying?

After a grace period new applications pause. Your staff and customers can still sign in, and repayments continue, so no loan is left stranded.

Can I change plan later?

Any time. Upgrades start straight away and you pay only the difference for the rest of the month; downgrades start when your paid period ends.

Start your free trial.

Tell us about your company. We’ll check your details, set up your site and email you a login — usually within one working day.

  • Every feature, no card needed
  • Your own branded website
  • Help setting up your products and team
.lms.cognetik.com.ng

You can connect your own domain later.