Simple, Fast, and Transparent
Apply & Get Approved Online in Minutes
Complete your loan application on our website in under 2 minutes. Get an instant decision — no paperwork, no branch visits, no wahala.
Download ZojaPay to Receive Your Funds
Your loan is approved and waiting. Download the ZojaPay app and complete the onboarding process your approved loan is ready to accessed.
Your Money. In Your Account. You’re Set
₦10,000 to ₦50,000 lands in your account. Check your balance, track repayment, and apply for your next loan all in one place.
Calculate your Advance
No guesswork. See exactly what lands in your account and exactly when it gets paid back, before you even apply.
Repayment Amount
₦192,188
Your Ease Between Payday
No hidden charges, no confusing terms, just money when you need it and a clear plan to pay it back.
Instant Access
Access your earned wages instantly, without having to wait until the end of the monthly pay cycle.
No Lengthy Approval
No rigorous credit checks or pile of documents. Our smart underwriting reviews applications instantly.
No Collateral
No collateral or security deposits are ever required. Your active salary acts as your baseline guarantee.
Flexible Amounts
Choose an advance amount that comfortably matches your immediate need, up to 75% of your wages.
Who is Eligible for Zoja Salary Advance?
Current Employee
You must be currently employed with a registered company in Nigeria.
Salary Account
Your salary must be paid directly into a verified Nigerian bank account.
Salary History
You must have received at least 3 months of consecutive salary from your current employer.
Everything You Need to Know
You can request an advance of up to 75% of your monthly salary, subject to our internal verification and repayment history checks.
Repayment is typically deducted from your next salary. We offer flexible terms ranging from 1 to 3 pay cycles.
Funds are disbursed into your account within 2 working days.
No. We are transparent about our fees. You only pay a small Admin fee based on the amount borrowed.