Welcome to Tomxcredit!

Tomx credit is a financial institution established as a micro lending business in Nigeria, which is set to provide innovative financial solutions through lending to individuals and corporate bodies in Nigeria and the rest of Africa. The company is duly registered as an incorporated fintech with the CAC and runs as a Limited Liability Company. Our mobile application and website is a technology that represents some features in the services we offer. Tomxcredit doesn't charge users to use / access the features of the app or website except in areas where we would normally take commissions on services offered both physically and digitally. By using our products (app and website), you agree that we can bring to your notice certain features or opportunities that we think might interest you or that we think will be instrumental in creating a great financial service experience with us. Through referrals, where you invite your friends to use the Tomxcredit for their credit needs, users stand a chance to enjoy unusual benefits. Your personal information will be confidential only to Tomxcredit.


We are empowering people with access to financing that enables them to meet their emergency fund needs and to fulfil such a purpose using a convenient payment structure that unburdens repayment of these financial services.

➔ Tomx loans: We offer loans to Retailers, market women, Business owners, Salary earners, creditworthy individual and investment savvy clients. These services will be offered via the offline and online platforms. The online platform is an app that allows people who are not physically available to access loans from their various locations using a more rigid KYC process. Customers who visit the office directly will go through the KYC process which requires their Name, Phone number, Bank BVN, home address, Photograph, Reference, bank statement, work stability and income sources.

➔ Tomx save: We collect deposits using a corporate license. We pay a competitive interest to savers up to 18% - 36% per annum. These deposits increase the company’s capacity to lend more money to customers and encourage customers participation in the financial process.

➔ Tomx invest: We invest in social capital and assets to generate more cash to meet our customers' increasing borrowing needs.

➔ Provide a personalised experience for you: Your experience on Tomx credit is unlike anyone else's: from the Loan, Savings and investment are tailor made to meet your personalised financial need.

➔ We enable nation wide access to our products. This is subject to expansion beyond the current National geographics.


➔ Using Tomx credit is free, however, there are services and features that require users to pay back a certain percentage in return after these services are offered such as taking a loan. These interest rates may range from 3.5% -5% which are subject to change without notice.

➔ Another case is using Tomx save which allows us to reinvest customers' money into the business while they earn a percentage of the interest. Customers who save for up to 12 months stand a chance of earning as high as 18 - 36% interest on savings.

➔ Referrals are solid ways to increase our service maximization and we create a win-win situation where users can benefit from the program.


We provide these services to you in order to fulfill our promise to make financial services inclusive for you and sustainable for everyone. In exchange, we need you to make the following commitments.

➔ Who can use Tomx Credit?

When people are genuinely involved in the process of building their financial journey, our platform is safer and more accountable. In this regards you must:

➔ Use the same name you use in your everyday life. For example, the name must align with the bank account name.

➔ Provide accurate information about yourself;

➔ Create only one account (your own) and use for the intended legitimate purpose

➔ Not share your password, give access to your Tomx credit account to others or transfer your account to anyone else (without our permission)

➔ You must not apply for a loan for someone else with your registered Tomx credit account. This could lead to discrepancies which may result in disabling your account and restricting access to future credit requests.

➔ You must not give false information about the services offered by Tomx credit.

➔ You may not use our Products to do or share anything:

◆ That breaches these Terms and policies that apply to your use of Tomx credit.

◆ That is unlawful, misleading, discriminatory or fraudulent.

◆ That infringes or violates someone else's rights to access financial services.

◆ You may not upload viruses or malicious code, or do anything that could disable, overburden or impair the proper working or appearance of our Products

➔ You may not access or collect data from our Products using automated means (without our prior permission) or attempt to access data that you do not have permission to access.

➔ What you can share on Tomx credit

We want people to use Tomxcredit for the intended purpose to access financial services. We have created a procedure that ensures the safety of our users and to keep you safe you agree to share:

▪ Strictly Information about your financial need and personal information to only Tomx credit

▪ Correct information. It is unlawful to share misleading information that puts Tomx credit in a discriminatory or fraudulent position with you.

▪ source of repayment that belongs to you. It infringes and violates someone else’s right if found using their intellectual property rights.

We can restrict or remove access to our products and features that is found in violation of these provisions. If charged with fraud attempt or discriminatory acts the law enforcement will be involved for proper investigation if our team cannot access you within 72 hrs

➔ The permission you give us

We need certain permission from you to effectively carry out our service

▪ To send information that we believe is in your best interest


▪ Loan: Loan is given to users from our cash reserve and users savings without any risk on their financial path. Tomx credit would not be liable for an excuse if a user fails to deliver on their promise to payback on a specified date. such delay would attract added interest or legal involvement.

▪ Tomx credit will not ask you to share your personal information via text, email or call.

▪ Tomx credit will not ask you to pay for subscription or any fee to enable faster processing on your loan request.

▪ Tomxcredit will disburse funds to credit worthy clients without collaterals.

▪ Users rights: Every registered user of Tomx credit withholds the rights to update their personal information under request which proves that the information is up to date.

▪ Uploading false information is liable for legal action.

5- Updating our Terms

We work constantly to improve our services and develop new features to make our Products better for you. As a result, we may need to update these Terms from time to time to accurately reflect our services and practices. We will only make changes if the provisions are no longer appropriate or if they are incomplete, and only if the changes are reasonable and take due account of your interests. We will notify you (for example, by email or through our Products) at least 30 days before we make changes to these Terms and give you an opportunity to review them before they go into effect, unless changes are required by law. Once any updated Terms are in effect, you will be bound by them if you continue to use our Products. We hope that you will continue using our Products, but if you do not agree to our updated Terms and no longer want to use the Tomx credit products, you can delete your account at any time.