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FAQs

Get necessary information you need to know about our businesses and services. The answers to our frequently asked questions will provide the adequate guide needed to invest with us or secure a loan.

Investment - FAQs

Find answers to the most asked questions about our investment services and portfolio. Get the necessary information before you begin.

Am I Eligible to Apply?

AM I ELIGIBLE FOR TO APPLY FOR AAA FINANCE INVESTMENT?

To invest with AAA Finance, you must be at least 18 years of age and have a working account with any commercial bank in Nigeria.

What Options are Available?

WHAT INVESTMENT OPTIONS ARE AVALIABLE AT AAA FINANCE?

AAA Finance has four main investment products:

Fixed Investment
Saving investment
Flexible investment
Structured investment

Increasing Investment?

CAN I INCREASE MY INVESTMENT WHENEVER I WANT?

Yes, you can. You increase your investment whenever you want, as much as you can and as frequent as you want. We will simply re-invest the sum of your old and new investment for the new tenure you choose.

Can I Liquidate Mid-Term?

CAN I LIQUIDATE BEFORE THE END OF MY INVESTMENT TENURE?

Yes, you can. You can liquidate your investment account any time you want though charges may be incurred.

Is my Investment Safe?

HOW SAFE IS MY INVESTMENT WITH AAA FINANCE?

Your investment is safe with AAA Finance. We are regulated by the Central Bank of Nigeria (CBN) and insured by Nigeria Deposit Insurance Corporation (NDIC).

How Long To Get My Money Back?

HOW LONG DOES IT TAKE TO GET MY MONEY WHEN I LIQUIDATE MY INVESTMENT?

You will receive your money within 24 working hours of sending your liquidation instruction.

How Do I Begin?

HOW DO I START TO SAVE WITH AAA FINANCE?

Fill our investment form here and a Client On-bounding officer will get in touch with you to guide you through every step. You can also call +234 [0] 907 068 9999 or visit our office.

How Much Interest?

HOW MUCH INTEREST WILL I GET IF I SAVE WITH AAA FINANCE?

Our interest rate is not static and varies depending on the investment option, but you can get up to 18% per annum on some of our products.

Interest is calculated per annum and pro-rated to your selected tenure. Terms and Conditions apply.

Are There Other Charges?

DOES AAA FINANCE APPLY ANY OTHER CHARGES ON MY INVESTMENTS?

In line with Central Bank of Nigeria policy, all investments are subject to 10% Withholding Tax (WHT).

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Loans - FAQs

Interested in personal loans or raising business capital, find out answers to the most asked questions relating to applying for loans at AAA Finance.

Am I Eligible?

AM I ELIGIBLE TO APPLY FOR AAA FINANCE LOAN

To qualify for a loan, you must be at least 22 years of age; has a tangible/verifiable source of income and have a working bank account with any commercial bank in Nigeria.

What Loans Options are Available

WHAT LOAN OPTIONS ARE AVAILABLE AT AAA FINANCE?

AAA Finance has four main Loan products:

Personal loan
Agric Loan
SME Loan
FIB Loan

Are There Any Restrictions In Using the Loan?

ARE THERE ANY RESTRICTIONS ON WHAT I USE MY PERSONAL LOAN FOR?

There are no restrictions on how you use your personal loan. The money is deposited directly into your bank account and you can use this money how you choose.

How Do I Apply and How Much Can I Borrow?

HOW DO I APPLY FOR A LOAN AND HOW MUCH CAN I BORROW?

If you are interested, simply complete your details on the online application. If you meet our application requirements, an expert loan consultant will be in contact with you to complete the full application over the phone.

Loans range from N50,000 to N12,000,000. The amount you qualify for is based on your financial profile, circumstances and type of loan you are applying for.

What Are The Rates And Repayment Terms?

WHAT ARE THE INTEREST RATES AND REPAYMENT TERMS?

Interest rates are based on your personal financial profile and market rate. Speak directly to one of our expert loan consultants for information on the exact interest rates.

Repayment terms are between one month and 36 months, and are FIXED for the full term of your loan.

How Quick Can I Access The Loan?

HOW QUICKLY CAN I GET MY MONEY?

Disbursement are made in no time. This is subject to you being able to provide all the required information when applying for your loan and your application being approved.

On approval and acceptance of your loan, the money is transferred directly and instantly into your bank account.

What Are The Requirements?

WHAT DO I NEED TO APPLY FOR PERSONAL LOAN?

A clear copy of your ID
Proof of income will be required such as your last 3 months’ payslips or bank statements
A recent document confirming your residential address
Your bank account details where your salary is paid into

Will My Repayments Change?

WILL MY REPAYMENTS CHANGE?

Repayments are fixed and will not change for the duration of your loan term.

Can I Be Refused Loan?

CAN I BE REFUSED A LOAN?

All applications are considered, but your final loan amount will be based on your financial profile and is subject to credit approval.

Do I Need A Collateral?

DO I HAVE TO PROVIDE COLLATERAL TO SECURE MY LOAN?

Yes, you have to provide verifiable collateral for your loans.

Can I Choose My Repayment Terms?

CAN I CHOOSE HOW I MAKE REPAYMENTS?

Yes, you can choose to make your repayments but for your convenience, we advise that your repayments will be deducted from the bank account into which your salary is paid by debit order each month.

Do I Require A Bank Account?

DO I REQUIRE A BANK ACCOUNT TO TAKE OUT A LOAN?

To apply for a loan, you must have a bank account in any commercial bank in Nigeria.