Microfinance Bank

Lapo Ussd Code for Loans, Repayment and More

Lapo USSD Code allows instant transactions for all customers of Lapo microfinance bank. These transactions include loan procurement, repayment, savings account opening and many more.

An Unstructured Supplementary Service Data (USSD) code is a mobile phone or SIM card programmed code that ensures instant financial transactions without a smartphone or internet connection, Investors King reports.

Lapo USSD Code is *371#

With the Lapo USSD code, customers of Lapo Microfinance Bank can repay their loans, apply for loans and make other transactions.

All they need to do is to follow Lapo Microfinance Bank’s instructions on how to borrow a loan or perform other transactions once they dial *371#.

It is imperative to note that to use Lapo USSD Code your bank will charge you N6 as agreed by Nigerian regulators and telecommunications companies.

Lapo Microfinance Bank Loan Types

According to information available on the Lapo Microfinance Bank website, Lapo loans attract a nominal interest rate of 2.5% and above. However, it is imperative to double-check with the lender before taking any of the microfinance bank loans to avoid issues.

Lapo Microfinance Bank offers loans from N10,000 to 5 million for ordinary consumption and for Small and Medium Enterprises, projects, assets, buildings, etc. Below are the type of loans Lapo Microfinance Bank offers.

Small and Medium Enterprises (SME) Loan

As stated above, small and medium businesses can access as much as N5 million loan or credit facility to expand their businesses. Please note that SME loans apply to all sectors.

It is important to note that this particular loan is specifically designed to support small businesses operating in Nigeria. Meaning that bigger establishments with more capital needs will need to look into other categories.

SMEs Loan Features

  • Facility amount up to N5,000,000
  • Methodology: Individual
  • Duration: 12 months

SMEs Loan Benefits

  • No collateral
  • Access to funds for business expansion
  • Flexible repayment structure
  • Training on basic financial management, business planning and customer relations
  • Expert financial advice is available

SMEs Loan Documentation

  • Loan application letter
  • Duly completed application form
  • 2 guarantors
  • A valid means of ID (national ID, driver’s license, voter’s card or international passport)
  • Current utility bill
  • 4 recent passport-size photographs

Agricultural Loan

Lapo Microfinance Loan also makes provision for Agricultural financing. Farmers across Nigeria can approach any Lapo Microfinance Bank for a loan size between N30,000 to N1,000,000.

For more details regarding Agricultural Loan contact the lender’s Customer Service center

Features

  • Facility range: N50,000 (minimum) to N500,000 (maximum)
  • Methodology: Individual, group and corporate
  • Duration: 1-12 months
  • Grace period: 30-60 days
  • Prospective clients must be practicing farmers with verifiable evidence of existing farm investments.

Benefits

  • No collateral
  • Provides capital for farming activities
  • Flexible repayment structure
  • Low interest rate
  • Expert financial advice available

Documentation

  • Duly completed application form
  • 2 guarantors
  • 2 recent passport-size photographs
  • Current utility bill
  • A valid means of ID (national ID, driver’s license, voter’s card or international passport)

Regular Loan

This loan product is designed to operate on a group (union) methodology. A union is a self-selected group of people who access loans individually, but have group guarantees. Regular Loan is created to help meet the working capital needs of clients that run small businesses.

Features

  • Facility range: N30,000 (minimum) to N150,000 (maximum)
  • Methodology: Individual lending but group liability
  • Duration: 8 months
  • Charitable Trusts
  • Grace period: 2 weeks
  • Repayment frequency: Weekly
  • Clients must belong to a union

Benefits

  • No collateral
  • Access to funds for business expansion
  • Access to other business loan products to strengthen client’s enterprise, e.g. Mid-term and Asset loan
  • Flexible repayment structure
  • Training on basic financial management, business planning and customer relations
  • Low interest rate
  • Expert financial advice available

Documentation

  • Duly completed application form
  • 2 guarantors
  • 2 recent passport-size photographs
  • Current electricity bill
  • A valid means of ID (national ID, driver’s license, voter’s card or international passport)

Samed Olukoya

Is the CEO and Founder of Investors King Limited. He is a seasoned foreign exchange research analyst and a published author on Yahoo Finance, Business Insider, Nasdaq, Entrepreneur.com, Investorplace, and other prominent platforms. With over two decades of experience in global financial markets, Olukoya is well-recognized in the industry.

Share
Published by
Samed Olukoya

Recent Posts

FBN Holdings To Invest N103.1bn In Corporate, Retail Businesses

As part of means of actualizing its expectation of raising N150 billion from its existing…

14 hours ago

Agric Industries Take Interest In Unlocking Nigeria’s $10bn Palm Oil Export Potential

Some agric-focused industries and firms have indicated interest in enhancing Nigeria's agricultural productivity and competitiveness…

14 hours ago

Jumia Nigeria Launches Black Friday Offers, Extends Services To Smaller Towns, Villages

Jumia Nigeria has launched its Black Friday deals and offers as consumers in smaller towns…

15 hours ago

Shares Reconstruction: Transcorp Lists Newly Reconstructed 10,161,997,574 Units of Ordinary Shares

Transnational Corporation Plc (Transcorp) has delisted 40,647,990,293 shares from the Nigerian Exchange Limited on Monday…

20 hours ago

Transcorp Gains 314.03% Last Week Despite NGX Closing the Red

Transnational Corporation Plc (Transcorp), Nigeria's largest listed conglomerate, gained N34.70 or 313.03% a share last…

20 hours ago

Nigerian Businesses Face Tougher Times as PMI Drops to 19 Months Low of 46.9

Nigerian businesses continued to face headwinds as the Purchasing Managers Index published by Stanbic IBTC…

21 hours ago