Achieve your goals, one loan at a time
Whether it's school fees, home improvements, or unexpected expenses, get easy access to loans up to 10M. Our loans are designed to fit your lifestyle with flexible repayment plans and competitive rates to help you handle life's challenges. Apply now and get approved in minutes, no fuss, no stress!
Welcome to Oxygen X
Frequently Asked Questions
We offer personal and business loans with flexible terms and competitive rates. Visit our Loan Products page for more details.
Loan repayment terms range from 3 to 24 months, depending on the amount and your selected plan.
The maximum APR is 81% per year, including interest, processing fees, and other costs as per local regulations.
Interest rates range from 4.15% to 6.75% flat per month, following a reducing balance approach.
- Loan amount: ₦500,000
- Tenure: 12 months
- Interest rate: 5% per month (Reducing balance)
- Processing fee: ₦10,000
- Total repayment: Approximately ₦660,000.
No hidden charges! A processing fee is deducted upfront, and late fees apply for missed payments.
- Must be at least 18 years old
- A Nigerian citizen or resident
- Have a steady income source
- Provide a valid ID (e.g., National ID, Driver’s License, Passport)
Apply through our website or mobile app by completing the form and submitting required documents.
Once approved, the loan amount will be disbursed directly into your registered bank account.
Yes! Early repayments are allowed, and you may qualify for an interest discount.
Late payments may incur fees and impact your credit score. Contact us if you anticipate delays.
Yes, late repayment fees apply as per loan terms. Frequent delays may lead to additional penalties.
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hello@oxygenx.africa
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