Loan ProductDesciptionTransaction Dynamics
Unsecured Personal Loans (UPL)Aposhashamura UPL allows customers to borrow our MINI Loan ONLY without any form of collateral. However, eligible candidates must have & meet the following requirements respectively:
  • Bank Verification Number (BVN)
  • Bank Account No.
  • A valid form of Identification
  • At least 1 bank debit card
  • High Credit Score
  • Must provide Guarantor Details
  • Must Provide Employment Details
  • All details must be validated through accredited Service Providers
Download the Aposhashamura App on Google Playstore to proceed
Secured Personal Loans (SPL)Aposhashamura SML Loan allow customers have access to Aposhashamura MIDI & MAXI loan using a form of easily realizable asset as collateral- Motor Vehicles, Jewelries, Banker’s Cheque etc.

However, eligible candidates must have & meet the following requirements respectively:

  • Bank Verification Number (BVN)
  • Bank Account No.
  • A valid form of Identification
  • At least 1 bank debit card
  • High Credit Score
  • Must provide Guarantor Details
  • Must Provide Employment Details
  • All details must be validated through accredited Service Providers
  • Collateral
Download the Aposhashamura App on Google Playstore to proceed
Asset Finance (*new)Aposhashamura Asset Finance is a type of Lending that gives Borrowers access to Business Assets such as Equipment, Machinery and Vehicles or enables us to release cash for assets that are already owned while using the same asset as collateral. Customer initiates an Asset Finance request through the App. If request is approved:
  • Customer uploads a Proforma Invoice from an accredited vendor
  • Customer makes a 30% down payment
  • A loan is set for the customer while the Vendor Account is credited with the Invoice value
  • Vendor generates an Invoice & forward to the Insurance company who insures the Asset stating Aposhashamura as First Loss Payee
  • Upon receipt of Insurance cover, Aposhashamura issues a pick-up slip to the Customer for Asset pick-up
HMO Finance (*new)Aposhashamura HMO Finance (*new) is one of our newest initiatives. This product is designed for consumers:
  1. who are in need of basic healthcare services & seeking for a chance at survival but cannot afford one-time payment of HMO Insurance Premiums
  2. who are not willing to make outright payments for their HMO Insurance Premiums

Aposhashamura has been able to exemplify an established emotional connect & psychological balance associated with perception of Healthcare as luxury, instead of basic necessity of life, among some classes of consumers.

The HMO Insurance Premium Finance is a strategic innovation that will accommodate all classes of consumers but unique to its projections are the low-income earners who earn daily, but in piece meal & have seen healthcare as 'not affordable'. This product will cause another disrupt in the HealthCare Sector as it will help Nigerians overcome the daunting mindset of 'Healthcare is not affordable' & embrace the fact that 'Healthcare is a basic necessity of life' with the help of Aposhashamura HMO Insurance Premium Finance.

  • Customer initiates an HMO Finance request through the App. If request is approved:
  • Customer uploads a Proforma Invoice from an accredited HMO Agent
  • Customer makes a 30% down payment
  • A loan is set for the customer while the Vendor Account is credited with the Invoice value
  • Vendor generates an Invoice & forward Aposhashamura
  • Upon receipt of Invoice, Aposhashamura issues a pick-up slip to the Customer for HMO card pick-up