Nurturing Dreams,
Securing Futures.
Whether it's shaping your future aspirations or securing your golden years, Penaid is your shelter for a rainy day.
₦5B+
Disbursed Loans
120k+
Lives Impacted
20,000+
Approved Loan Applications
Loan Options Made For You
We offer two tailored loan products designed to meet real needs — from pension support to tuition assistance.
Padi – Loans for Pensioners
If you're a Nigerian pensioner, Padi helps you get fast, affordable loans with flexible repayment plans. No stress, no delays.
- Available nationwide
- Approval within 24-48 hours
- Paid directly into your bank account
- Friendly repayment terms
Certifi – Tuition Support for Students
Get help covering tuition fees at Nigerian institutions. Certifi supports you with quick, accessible loans, so you can focus on learning.
- For university and polytechnic students
- Fast, easy application
- Repay after disbursement
- Transparent, student-friendly terms
How the Loan Process Works
Apply for Loan
Start your application online or with a nearby agent. It’s quick, easy, and only takes a few minutes to complete.
Get Approved
Once we verify your details, we’ll let you know if you qualify. Most approvals happen within 24–48 hours.
Receive Your Funds
After approval, the money is sent directly to your account — no stress, no delays.
Pay Back Little by Little
Repay in small, manageable amounts over time. No pressure — just select a repayment plan that works for you.
Real People, Real Stories.
We are really close to you
Discover our network of dedicated agents across Nigeria, ensuring personalized assistance at every step. Find below our physical offices in key regions.
Lagos (Headquarters)
10, Bode Thomas Street, Surulere
Ibadan
3B, Aare Avenue, New Bodija, Ibadan, Oyo State
Port Harcourt
13, G.U. Ake Eliozu Road, beside Benita Oil & Gas Filling Station, Eliozu, PH.
Abuja
Z20 Asokoro Ultra Modern Market by Mammy Market Car Park
Ogun
56, Omida Shopping Mall, Ibara, Abeokuta, Ogun State
Moments That Matter
Take a look at some of our favorite highlights — from happy customers to team milestones.
You’re in good company
As a working professional looking to advance my career through further education, finding the right financing option was daunting. Thankfully, I discovered Penaid. Their tailored tuition loan program, combined with their collaborations with Nexford provided me the flexibility and resources I needed to excel in my studies while managing my finances effectively. Highly recommended!
Anonymous
During a difficult period in my life, Penaid came through for me. Their understanding staff and straightforward approach made the loan process stress-free. I'm grateful for their assistance and would recommend them to any pensioner looking for financial support, I can always count on Padi.
Engr. Mike Babatunde
When traditional avenues for student loans fell short, I felt like my aspirations for higher education were out of reach. However, Penaid changed everything. Their innovative approach to tuition financing, in collaboration with leading universities, empowered me to pursue my academic goals without compromising on quality or worrying about financial strain. Thank you for making my educational dreams a reality!
Adeola Fashogun
I've been a loyal customer of Penaid for years now, and for good reason. Their dedication to serving pensioners is unmatched. The loan options they provide are tailored to suit various needs, making them a reliable partner in times of need.
Ruth Omobolanle Adedayo
I was hesitant about taking out a tuition loan, but Certifi exceeded my expectations. Their team guided me through every step, providing clarity and support. Thanks to their collaboration with my university, I could focus on my studies knowing my financial needs were taken care of
Felix Samuel
I've dealt with other financial institutions in the past, but none compare to the level of service provided by Penaid. Their commitment to customer satisfaction is evident in every interaction. I wouldn't hesitate to recommend them to other pensioners.
Prof. Thomas Gbadebo
I couldn't have pursued my dream of higher education without the support of Certifi. Their tuition loan not only made it possible for me to enroll in OOU, but also eased the financial burden throughout my academic journey. I'm truly grateful for their impact in students like me who are looking for someone to count on.
Shameal Opeoluwa
Thank you, Penaid, for helping me access the funds I needed without any hassle. Your loan package allowed me to manage unexpected expenses with ease. I highly recommend their services to fellow pensioners.
