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Choose fixed monthly instalments, or a flexible plan where you can pay more in a good month and less in a tight one.
Loans & investments
Money that moves with you.
Borrow with a guarantor you trust and repay on a plan that fits your life, or grow your savings with monthly interest. Corvard takes care of every step, from your application to the very last payment.
- Fixed or flexible repayments
- Interest on what you still owe
- Every step by email
Personal loansBusiness loansFlexible repaymentsMonthly interestGuarantor loansDigital documents
Loans
Borrow on terms you can actually see
Tell us what you need and why. Corvard reviews your application and makes you a clear offer: the amount, the tenor, the rate and how you'll repay it. Nothing is hidden in the small print.
Interest on what you owe
Interest is worked out on your reducing balance, so every payment you make lowers what the next month costs you.
A guarantor you trust
Name a friend, relative or colleague on Corvard as your guarantor, or offer collateral instead.
Always know where you stand
See your schedule, your next payment and exactly what it would take to pay off the loan today, any time.
Fixed or flexible: pick the plan that fits
With a fixed plan you pay the same amount every month. With a flexible plan you can pay ahead when you have it, and each month's interest is charged only on what's left.
The same payment each month until the loan is cleared.
Illustration only. Your offer sets your real plan.
How it works
From application to money in your account
- 1
Apply
Sign up, add your details and tell us how much you need, for how long and why.
- 2
Your guarantor agrees
The guarantor you name gets a request on Corvard and accepts it. Or you offer collateral.
- 3
Get your offer
Corvard sends a clear offer with your amount, tenor, rate and repayment plan. Accept it when you're happy.
- 4
Sign online
Download your offer letter and loan agreement, sign them and upload them. No office visit.
- 5
Receive the money
Corvard sends it to your verified bank account. Confirm it arrived and your loan begins.
- 6
Repay with reminders
Pay by transfer and upload the receipt. We remind you before every payment is due.
Invest
Let your money earn every month
Choose how much to invest and for how long. Corvard sends you an offer with your monthly rate, and your money starts earning as soon as it arrives.
- Paid out or compounded. Take your interest each month, or let it grow with your balance.
- Withdraw when you need to. Take out part or all of your money at any time.
- Proof at every step. Every payment in or out comes with a receipt you confirm.
Interest is added to your balance each month, so next month you earn on more.
Illustration only. Your offer sets your real rate.Peace of mind
Every naira accounted for
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Receipts both ways
Money only counts once both sides have confirmed it, with the transfer receipt to prove it.
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Verified accounts
Money is only sent to bank accounts Corvard has checked and approved for you.
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Nothing happens quietly
Every offer, payment and document is shown in your account and sent to you by email.
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Proper paperwork
An offer letter, loan agreement and Deed of Guarantee for every loan, signed and kept for you.
FAQ
Questions, answered
Who can apply for a loan?
Anyone 18 or older with a Corvard account and their NIN and BVN on their profile. You'll also tell us about your work and income, and why you need the loan.
Do I need a guarantor?
A guarantor is the usual way: someone you trust who also has a Corvard account accepts your request. If you don't have one, you can offer collateral instead, and Corvard decides on your application.
How do I repay?
Transfer to the Corvard account shown in your offer, then upload the receipt in Corvard. Your payment counts once Corvard confirms it arrived, and we remind you before each payment is due.
Can I pay my loan off early?
Yes. Corvard always shows what it would take to clear your loan today. Your offer letter sets out any charge that applies.
How does investing work?
You choose an amount and a tenor, Corvard offers you a monthly rate, and you transfer the money. It starts earning once Corvard confirms it arrived. You can have the interest paid out each month or added to your balance, and withdraw at any time.
Who is Corvard?
Corvard Limited (RC 9675141) is a company registered in Nigeria, at 10 Bade Caster, Addo Road, Ajah, Lagos.
Ready when you are
Create your Corvard account in minutes. Apply for a loan or start investing whenever you're ready.