Calm credit

Calm Credit is a mobile loan application operated by ARZIKI BRIDGE TECHNOLOGY LIMITED, a registered financial service provider in Nigeria (DUNS No. 669824759). The app provides a simple and transparent way for individuals and small business owners to apply for short-term personal loans.

Calm Credit is not a bank. It provides loan services through ARZIKI BRIDGE TECHNOLOGY LIMITED, a registered financial service provider in Nigeria.

Key Features

• No collateral required

• Fully digital and paperless application process

• Clear display of loan amount, fees, and repayment schedule before confirmation

• Funds are transferred directly to your bank account upon approval

• Manage your loan and repayments within the app

How It Works

1. Create an account and verify your identity (NIN, BVN, and basic details may be required)

2. Submit a loan request through the app

3. If approved, funds are disbursed to your bank account

4. Repay according to the schedule displayed in the app

Eligibility

• Must be a resident of Nigeria

• Must be at least 18 years old

• Must have a valid phone number and bank account

• Loan approval is subject to credit evaluation

Loan Information

Loan Amount: ₦20,000 – ₦300,000

Loan Term: 90 – 180 days

APR: 12% – 36%

Example:

Loan Amount: ₦150,000

Loan Duration: 180 days

APR: 12.17%

Total Repayment: ₦159,000 (calculated with interest at the applicable APR)

All fees and charges are included in the APR. No hidden fees.

Responsible Use

Borrow only what you can repay. If you experience difficulty repaying, please contact our support team early. We do not use aggressive or threatening collection practices.

Data & Privacy

All personal data (including NIN, BVN, and other sensitive information) is collected, processed, and stored securely, in accordance with our Privacy Policy and applicable data protection regulations. For more details on how your personal information is handled, please refer to our full Privacy Policy available at: [Link to Privacy Policy].

Company Information

Company: ARZIKI BRIDGE TECHNOLOGY LIMITED

DUNS Number: 669824759

Address: NO. 10, VISTULA CLOSE, MAITAMA, ABUJA, FCT, NIGERIA

Postal Code: 900271

Customer Support Email: [email protected]