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
Step 1
Apply for Loan
Start your application online or with a nearby agent. It’s quick, easy, and only takes a few minutes to complete.
Step 2
Get Approved
Once we verify your details, we’ll let you know if you qualify. Most approvals happen within 24–48 hours.
Step 3
Receive Your Funds
After approval, the money is sent directly to your account — no stress, no delays.
Step 4
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.
