Our Products

Applicants can access up to N500,000, payable within 5 monthly installments. This product entails those individuals who want to acquire electronic gadgets but cannot afford to put all their funds into it at a time. We do not have a storage or warehouse for these items; the customer’s source for the kind of gadget they want is to come to our office and pay for a non-refundable form at varying rates depending on the cost of the item they are opting for. We go ahead and do the necessary verifications, and once the purchase is approved, the customer pays the admin and processing fees; by this time, they must have known what their repayment plan looks like with the interest rate incorporated. They start making payments either daily, weekly, bi-weekly, or monthly.

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	RETAIL	0 – 3 MONTHS (N50,000 – N500,000)	4%	7%
		4 – 5 MONTHS (N50,000 – N500,000)	5%	7%

Application Form: N2,000 Requirement:

• 3 Months’ recent bank statement of account
• 1 Passport photograph of both the applicant and guarantor
• Valid ID card of both applicant and guarantor
• Recent utility bills of both the applicant and guarantor
• Proforma invoice of the gadget to be purchased

K21

Every business has to start somewhere, and K21 means a day loan that allows Kero 21 customers to repay the amount collected in 21 days, including weekends and is available for up to a minimum of 1 and a maximum of 5 group members. This product is for small business owners who require little money to start up or boost their sales. The amount available for disbursement in this product is from N20,000 to N60,000. The loan amount is even credited straight to your bank account, so there’s less hassle, and you can get more work done in just a short span of time. This financial boost is just what business-minded people like you should get.

N.B: It is advisable that you do not add group members you do not know their credibility and character to your team so that the group does not suffer.

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	RETAIL	0 – 21 DAYS (N20,000 – N600,000)	15% (one-off payments)	NIL

Application Form: N2,000 Requirements:

• 1 Passport photograph of the applicant and guarantor
• Valid ID card of the applicant and guarantor
• recent utility bill of the applicant and guarantor

MSME LOANS (N70,000NGN – N1MILLION)

In fact, you could get approved for a small business loan in as fast as 48 hours from the time you submit your documents.

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	RETAIL	0 – 3 MONTHS (N70,000 – N1,000,000)	4%	7%
		4 – 6 MONTHS (N70,000 – N1,000,000)	5%	7%

Application Form: N2,000 Requirements:

• 3 Months’ recent bank statement of account
• 1 Passport photograph of both the applicant and guarantor
• Security – Gold, Landed Property with C of O (if applicable)
• Valid ID card of both applicant and guarantor
• Recent utility bill of both applicant and guarantor BVN printout

Security – Gold, Landed Property with C of O (if applicable) Kero Back to School

A new school year brings with it a ton of expenses that Stretch the household budget considerably. Amongst these are expenses for school supplies, a new set of uniforms, school and hostel fees, and plenty of other things a child will need to start the school year right.

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	RETAIL	0 – 3 MONTHS (N50,000 – N500,000)	4%	7%
		4 – 6 MONTHS (N50,000 – N500,000)	5%	7%

Application Form: N2,000 Requirements:

• School Bill (Copy)
• 3 Months’ recent bank statement of account
• 1 passport photograph of the applicant and guarantor
• Valid ID card of applicant and guarantor
• Recent utility bill of the applicant and guarantor

This particular loan is structured around the needs of full-time employees, allowing them to order the following: pay for a house rental, pay for children’s tuition fees, pay for This particular loan is structured around the needs of full-time employees allowing them to afford the following: pay for a house rental, pay for children’s tuition fees, pay for personal needs. The amount of the loan will depend on an individual’s monthly salary and personal needs. The amount of the loan will depend on an individual’s monthly salary.

Pre-Qualification Requirements

1. Confirmed as part of the staff of a renowned company
2. Have an account in a commercial bank in Nigeria to which a verified monthly pay is deposited which a verified monthly pay is deposited

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	RETAIL	0 – 3 MONTHS (N100,000 – N999,999)	4%	7%
		4 – 6 MONTHS (N100,000 – N999, 999)	5%	7%
		From 1,000,000 AND ABOVE	3%	5%

Application Form: N2,000

• 3 months’ recent bank statement of salary account
• Recent utility bill of the applicant & guarantor
• Valid means of identification of applicant & guarantor
• Company Identification card
• Pay slip for the last three months (If applicable)
• 1 recent passport photograph of both applicant & guarantor

Security – Vehicle, landed property C of O (If applicable) Kero Fast Cash

We make sure that you experience an easy and convenient process. It can be diffcult to send money to United States of America from Nigeria.

1. In a situation where you need to pay tuition fees to any institution in the United States or
2. If you need money to pay for goods and services and a lot more

We’ve got you covered. Kero Global Lendas, Ltd makes this process a breeze. By using our Kero Fast Cash Product, you have the option of sending Naira and converting it into US Dollars.

How it Works

1. Contact any of our marketers
2. Pay Naira into our Nigerian bank account
3. Once payment is confirmed in our bank account, we will deposit your equivalent US dollar into any bank account of your choice in the United States.
4. The process is easy, fast, and very convenient
5. Our service charge is based on the prevailing Forex rate

Requirement

1. Evidence of deposit of the Naira
2. Equivalent of the USD into our bank account
3. Account should be provided

Kero MED

Kero Med refers to medical loans incurred by individuals due to health care costs and related expenses. At Kero Global Lendas, Ltd, we understand that medical debt is different from other forms of debt and that people do not plan to fall ill or hurt themselves. This loan is specifically designed to cover medical costs, and the money will be paid straight to the hospital.

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	CONSUMER	0 – 3 MONTHS (N100,000 – N999,999)	4%	7%
		4 – 6 MONTHS (N100,000 – N999, 999)	5%	7%
		ABOVE 1,000,000	3%	5%

Application Form: N2,000 Requirements:

1. Copy of medical bill
2. 3 months’ recent bank statement of account
3. Recent utility bill of the applicant and guarantor
4. 1 recent passport photograph of the applicant and guarantor
5. Valid means of identification of applicants and guarantor

Security – Vehicle, Landed Property with C of O(Where Applicable) Kfly (Fly now and pay later)

For those planning to ‘japa’, we know it is not a bad thing after all, we know a lot of people who traveled abroad and made lots of money and came back to the country to invest and have created solutions to their clients and employment to thousands of households.

This particular loan is specially designed to allow employed individuals or SMEs to access credit from Kero Global Lendas, Ltd, exclusively for purchasing certain travel products from renowned travel agencies. Kero Global Lendas, Ltd will collaborate with reputable travel companies that will enable us to provide credit services covering holiday packages, flight tickets, and much more.

The intending immigrant must have a proxy back home who will run the repayments on their behalf while they settle abroad and start paying the proxy back. Through this loan product, your dream of traveling abroad is possible, easy, and swift.

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	CONSUMER	0 – 18 MONTHS (N1,000,000 – N10,000,000)	3%	5%

Application Form: N2,000 Requirements:

• 3 Months recent bank statement of account
• 1 Passport photograph of both the applicant and guarantor
• Applicant’s international passport data page
• Valid ID Card of guarantors
• Recent utility bills of both applicant and guarantors
• Copy of valid visa page and travel documents

Security – Vehicle, Landed Property with C of O

Owning a vehicle with Kero Vehicle Finance is easy, we do not have an auto-mart or a car dealership, and we only finance the vehicle of your choice. The customer sources the type of automobile they want and then comes to our office to obtain an application form. The customer must be prepared to make a deposit of 25% to 40% of the cost price of the vehicle, as the case may be, depending on the purchase price of the vehicle and expenses like vehicle registrations, car tracker, insurance, etc. Our repayment plan ranges from 6 months to 36 months.

S/N	PROD. NAME	TENOR	INTEREST RATE
1	CONSUMER	FROM 2 MILLION ABOVE	25% PER ANNUM

Application Form: N10,000 Requirements:

• Customer equity contribution of 25% to 40% of the vehicle’s
• Cost price
• 3 Months recent bank statement of account
• 1 Passport photograph of the applicant, proxy, and two guarantors.
• Applicant’s driver’s license
• Valid ID card of the proxy and guarantors
• Recent utility bills of the applicant, proxy, and 2 guarantors

Security – Vehicle, Landed Property with C of O (not applicable)

SME LOANS

This loan is specially designed for businesses that are trying to expand their operations and funding working capital demands.

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	ENTERPRISE	0 – 24 MONTHS (N1,000,000 – N10,000,000)	3%	5%

Application Form: N2,000 Requirements:

• Company registration documents (CAC Certificate)
• Article and Memorandum of Association
• Forms CAC 2.1, Forms CAC 2.3, Forms CAC 2.5
• Board resolutions on proposed loan from the applicant
• 3 Months recent bank statement
• Proposal letter and any other such document that will enable us to make a business decision

Security – Vehicle or original land documents with C of O and other valuables

KOPA LOANS

KOPA Loans (Capped at #70,000) KOPA is a colloquial name for serving members of the National Youth Service Corps (NYSC).

This loan is specifically designed for only serving members of the National Youth Service Corps (NYSC).

S/N	PROD. NAME	TENOR	INTEREST RATE	ADMIN FEES
1	HYBRID	0 – 5 MONTHS (N70,000)	2%	N2000

Application Form is free Requirements:

• Passport photograph
• Copy of Call-up letter
• NYSC Identity Card
• Valid Identity Card
• 2 Months Bank account details created by NYSC for the collection of your NYSC monthly allowance