Sharp Sharp Loans

Your preferred choice for a quick loan.

Sharp Sharp loan prides itself as the most convenient and competitive loans in Nigeria with easy access and exit for Civil servants in the Federal and state space.

How to get a Sharp Sharp Loan

Let’s prepare you for the unexpected.

Apply for a loan

Make a request for a personal loan from your unique dashboard.

Doc Review & Underwriting

Fill out our KYC form to determine your eligibility.

Get Funded

After verification, funds will be disbursed to your bank account.


Convenient and hassle-free loans.

Our loans are fully unsecured with no collateral required.

Our repayment is easy with a wide range of channels and with a period of up to 36 months.

With a minimum loan amount of N18,000 and a maximum loan amount of N2,500,000, we can cover a wide range of needs.

Insurance cover for all personal/emergency loans (Life and hospitalization insurance)

If you need additional financing during your loan tenure, we offer you a top-up.


What do you need to get a Sharp Sharp loan?

To start your journey to financial freedom with us, we need to know whether you check all our boxes. It takes around 2 minutes and it won’t harm your credit rating.

To be eligible you must…

Have a staff Identification card

Live and or work in Lagos State.

Be between 22 and 58 years old.

Possess a clean Credit Bureau Report.

Not have a history of returned cheques in your account.

Possess a verifiable monthly income and pension statement

Run an account (Current or Savings) with a commercial Bank in Nigeria.

Present one recent passport photograph (within the last 6 months)

Possess a valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)

Present NUBAN Cheque leaves for the duration of Loan/Activated direct debit mandate

Have a salary bank statement for the last 3 months (must be stamped by the bank). Your bank can send it directly to us at

Send a letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to CREDITDIRECT

Frequently asked questions

Got a question about our loans, how quick we disburse, or looking for other financial products?

1. Work with the Federal government
2. Provide a passport photograph
3. Staff identification card
4. Bank Verification Number (BVN)
5. 1 month most recent payslip and Bank Statement
6. SMS OFFER /PHYSICAL LAF for all employers excluding EFCC – Completed PHYSICAL LAF only

Requirements for returning customers is as follow:
1. SMS OFFER /PHYSICAL LAF for all business excluding EFCC – PHYSICAL LAF only
2. 2 Credit Reports for loans above N350,000
3. 1 most recent Payslip and Bank statement

1. Work with the State government
2. Provide a passport photograph
3. Staff identification card
4. Bank Verification Number (BVN)
5. 3 Months Stamped Recent Bank Statement
6. 1 recent Payslip
7. Completed Loan Agreement Form (LAF) with properly executed terms and conditions overleaf.

Requirements for returning customers is as follow:
1. Completed Loan Agreement Form (LAF) with properly executed terms and conditions overleaf.
2. 1 recent pay-slip / 1 months Bank Statement

Top-up requirements 1. Duly Completed LAF
2. 1 recent pay-slip / 1 months Bank Statement

18 years & 3 months in service.

59years & 34 years length in service.​

 Minimum amount is N20,000 while maximum amount you can access is N2,500,000 (higher amounts would require 2 MCC approval)

Yes, you must be a paid federal government /State government employee/worker

Yes, we require a Credit Check for our Federal and State Loans

No, you can apply for a loan via:

1. Website –
2. Visit to our office – 48/50, Isaac John Street, Ikeja GRA
3. Dial USSD code- *5120#
4. Telephone 0700creditdirect, 014482225
5. Whatsapp – 09070309430

 3.85% terms and conditions apply

Yes, you can top-up your existing PSB Loan once you have made 2 months repayments on your existing 3 – 5 months loan, 3 months repayment on your existing 6-8 months loan, 4 months repayment on your existing 9 – 12 months loan and 6 months repayment on any loan from 12 months and above.

You can contact any of our Direct Sales Executives or Walk into any of our branches.

No, you would be unable to change your repayment due date. You can send the Termination Letter to for further investigation and review on a possible Loan Restructing or Payment Holiday/Deferment Pan.

You will get an SMS or Email confirming that the funds have been disbursed into your salary account. If funds are not credited to your account within 24hrs, please send an email to

Yes you can and the interest for the unused months would be waived off.

Our interest rate is computed on a flat rate basis and charged monthly.

There are no hidden charges, however, we only charge an upfront service fee which is a one-off payment before the loan is disbursed to your account.

Quick emergency Loans without collaterals for salaried workers (Federal and State government ministries and parastatals)

Online – or using our USSD code *5120# or Visit our Head office – 48/50 Isaac John Street, Ikeja GRA Lagos or By Telephone – 01- 4482225 or on WhatsApp – 09070309430 or any of our Sales Agent.

The benefits of sharp loans include the ability to obtain funding quickly and easily, as well as the flexibility to use the funds for any purpose while enjoying a decent repayment period.

Loan Tenors range from 1 to 12 months. (24 months in some locations)

Bank: FCMB
Account No:0238850014


Yes you can.

Yes, immediately after your loan application or before disbursement is done

Not to worry, a refund will be processed to your account in less than 24hours. You can also call 014482225 or send an email to

Please send an email to or call 014482225 or chat us on WhatsApp on 09070309430.

 There are no pre-liquidation charges

1. Please call the Contact Centre on 014482225 or send us an email:
2. You can also chat with us via our website: or via
3. WhatsApp: 09070309430 (our business hours are from 8am to 5pm, Mondays through Fridays).

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Ready to get started?

Start your journey to financial freedom today.

Contact us today

Call now

Visit a branch near you

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The number one non-bank digitally-led lender that provides financial solutions to millions of customers.

Contact Us

Phone: 02014482225

Phone: 02017005120


Address: 48/50 Isaac John Street, GRA, Ikeja, Lagos, Nigeria.

Whatsapp: 09070309430

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