Up to 1,000,000 FCFA on your MoMo or Orange Money.
Apply in 5 minutes. Get a clear offer. Repay at your own pace.
No guarantor · Answer within 48 h · 500 FCFA subscription
Already signed up? Sign in
Receive and repay with
MTN MoMo
Orange Money
Four steps, all on your phone.
Sign up in 5 minutes
Your number, an ID (CNI, passport or récépissé), a live selfie and your home on the map. Then the 500 FCFA subscription.
Choose an amount and a term
Up to 1,000,000 FCFA, over 7, 14 or 30 days, or 4 weekly payments.
Accept or decline your offer
An answer right away or within 48 hours. The offer shows the amount, the rate and the dates. You decide.
Money on your phone
Sign your agreement in the app and the money goes to MTN MoMo or Orange Money. Repay whenever you like, from the app.
How much, and for how long?
Repay in one go, any time before the end, or in several payments. Interest is fixed when you accept the offer and never goes up.
Total to repay
28,750 FCFA
- You receive
- 25,000 FCFA
- Standard rate
- 15%
- Interest
- 3,750 FCFA
Pay any amount, any time, by 28 Nov at the latest. At least 8,625 FCFA by 13 Nov.
Indicative standard rate. Your personal rate and amount are shown in your offer before you accept.
All standard rates
| Amount | 7 days | 14 days | 30 days | 4 payments |
|---|---|---|---|---|
| Up to 10,000 | 10% | 15% | 20% | 18% |
| 10,001 – 50,000 | 8% | 11% | 15% | 18% |
| 50,001 – 200,000 | – | – | 12% | 14% |
| Over 200,000 | – | – | 10% | – |
The rate on each row applies to the whole amount borrowed. Your first limit is 2,000 FCFA. It grows step by step as you repay on time.
For shop stock, school fees, an emergency or transport.
Fees, plainly
500 FCFA
Subscription
Once, at the end of sign-up. It covers checking your identity and reviewing your application.
300 FCFA
Renewal
Every 30 days to keep requesting loans. Cancel any time: just don’t renew.
Interest
Only on money you receive
Fixed when you accept the offer, by amount and term.
No hidden fees. No late charges. The subscription is not refundable and does not guarantee a loan. Your operator may charge its usual mobile money fees. Full details in the Terms.
All pricing and conditionsOur commitments
Simple rules, written into our terms.
We will never ask for your PIN.
Or for an SMS code. Not by call, SMS, WhatsApp or in person.
Never cash.
Our agents never take cash. You always pay with your own mobile money, in the app.
Your family stays out of it.
We never contact your family, friends or employer about your loan.
A signed agreement for every loan.
Amount, interest, total and due date: everything is written down before the money is sent.
Repay early at no extra cost.
Pay sooner, or in several payments if you need to. Every payment counts.
Your data stays yours.
We never look at your contacts, messages or photos. Privacy policy.
Frequently asked questions
Who can apply?
Anyone aged 18 or over who lives in Cameroon, with a valid ID and an MTN Mobile Money or Orange Money account in their own name. One person, one account.
What documents do I need?
Your national ID card (old or new), your passport or your CNI récépissé. You also take a live selfie and place your home on the map. Find a well-lit spot.
How much can I borrow?
Up to 1,000,000 FCFA. Your first limit is 2,000 FCFA. It grows step by step as you repay on time. The final amount is shown in your offer: a request may be granted or refused.
How long does it take?
Sign-up takes about 5 minutes. Some requests are approved within minutes; others are reviewed by our team, usually within 48 hours. Once you sign the agreement, the money is usually sent within minutes.
How do I repay?
Tap “Repay” in the app, then approve the payment on your phone. On the due date we also send a payment request. You can repay early or in several payments, at no extra cost.
What if I’m late?
Tell us before the due date in Profile → Help and we’ll look for a solution with you. Paying late lowers your limit. After 30 days late, the account is blocked and the debt may be recovered in court, as your loan agreement says. No late charges.
How do I stop my subscription?
Simply don’t renew, or cancel in Profile → Subscription. Any loan still running must be repaid. You can come back any time by renewing (300 FCFA).
Why is there a subscription?
The 500 FCFA covers checking your identity and reviewing your application. The 300 FCFA renewal every 30 days lets you keep requesting loans. It does not guarantee a loan.
