Product 01
Smile Loan
Short-term microcredit for immediate liquidity needs.
Whether you're building your future in Nigeria or connecting from abroad, Zaradera creates simpler pathways to financial opportunity.
Choose the experience designed for you.
Trusted By
Relationships built on confidence.
01 Our Promise
Financial solutions built around where life takes you.
Zaradera Credit Limited provides accessible, responsible financial solutions, creating clear pathways for customers at home in Nigeria and for those building their lives internationally.
We believe a financial relationship should move with you. Wherever you are, the door to opportunity in Nigeria should stay open.
02 Two Worlds
Two journeys. One trusted financial partner.
Life moves.
Opportunities move with it.
Home and abroad, connected by a single route.
Your financial relationship shouldn't disappear because your location changed.
Zaradera keeps you connected.
04 Choose Your Path
Where are you today?
03 Solutions
Considered solutions for real financial moments.
01
Personal Finance
Flexible lending solutions built around real life and real timelines.
Access financing designed to meet everyday and milestone needs, structured around clear, responsible terms.
02
Business Finance
Financing designed to support genuine business requirements and momentum.
Support for working capital, growth and operational needs for businesses at different stages.
03
Diaspora Services
Financial pathways for clients connecting with Nigeria from abroad.
Start a conversation with our team about opportunities, planning and support while you are based overseas.
04
Financial Advisory
Professional guidance for qualified clients navigating decisions.
Considered, relationship-led guidance to help you weigh options with clarity and confidence.
Products we provide
Explore clear, purpose-built options for personal needs, rent, assets and business growth.
Product 02
EasyRent
A PropTech-driven solution for easier rental payments.
Product 03
FundMe
Acquire eligible assets without making a full upfront payment.
Product 04
Sustain Loan
Accessible support for urgent salary-earner commitments.
Latest from our blog
Ideas, activity and company news.
05 Why Zaradera
Built on trust, not just transactions.
Zaradera Credit Limited exists to give customers in Nigeria and people worldwide a financial partner they can rely on. Every product is designed to be understood, not just signed.
Licensed & compliant
Operating as a registered credit provider, structured around Nigerian financial regulation and responsible-lending principles.
Transparent terms
Clear rates, clear repayment schedules, and no hidden charges. You always know exactly what you are agreeing to.
Data protected
Enquiries and personal information are handled securely, in line with NDPR data-protection standards.
People-first support
A real team, reachable across channels, whether you are in Lagos or living abroad.
Serving clients all over the world.
06 For the Diaspora
Home is never far from your finances.
Whether you are supporting family, planning investments back home, or exploring Zaradera's services from abroad, our diaspora desk gives you a direct, secure line to our team. Send an enquiry and we'll respond personally.
Get started
Wherever you are, Zaradera moves with you.
Choose the path that fits your journey. Access our loan platform in Nigeria, or reach our diaspora desk from anywhere in the world.