Opening Hours: Mon -Fri, 8am - 5pm


Get Funded within 24 hours Baines Credit MFB loans are fast and secured

Personal Loan

Quick cash?

Our personal loan is at your fingertip. Consider Baines Credit MFB personal loan as a complete package to augment your salary. It is created for customers who earn regular salaries and are confirmed employees of identifiable organizations.


Must be confirmed employee of an identifiable company.

Salary must not be less than N50,000 for more than 30 days facility period.

Valid means of ID (National ID, Driver’s License, Voter’s card or International Passport.

Official ID card.

Current Utility bill.

Passport photograph.

Guarantor (more than customer’s grade level).

Benefits to be derived from our Personal Loan:

Access between N100,000- 1,800,000.00 funds to solve identified financial gaps easily and timely (24hours maximum).

Flexible repayment structure.

No equity contribution.

4.5% interest rate per month.

Access to Top-up or renewal at considerable competitive rate.

Access to Mobile and Internet Banking.

Opportunity to repay the loan before expiration at no further futuristic cost.

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Business Loans

Start and grow your business with Baines Credit Microfinance Bank Business Loans.

Baines Credit MFB offers short-term loans to small, medium and
large-scale businesses to enable them to meet urgent stock
replenishments and ongoing business needs

SME Loan

SME Loans offers a unique package of lending options to support any trader and corporate firm, including LPO financing, Contract Finance, Overdraft Facility, and Term Loan.
Individual business owners, corporate organisations, and entrepreneurs who require such facilities in the range of N100,000 to N10,000,000 are eligible for this sort of loan.


An undertaking to open a business account and save with the bank.

Comprehensive Insurance against Fire and Burglary.

Execution of bill of sale agreement.

Fixed property (If available).

Tax Identification Number for registered companies.

Company registration/ incorporation documents.

Written application stating the amount of loan requested.

Bank statements for the last 6-12 months.

Copies of pledged securities.

Benefits to be derived from our SME Loan:

Up to 10 million naira to boost your business.

All registered businesses have access to this service.

Loan terms range from one to twelve months.

Access to funds to quickly and inexpensively close recognized budgetary gaps (24hours maximum).

Access to skilled financial guidance at every encounter with our resourceful relationship officers.

Training on fundamental financial management, business planning, and increased customer/bank relationships.

The use of point-of-sale systems to increase sales.

To improve client publicity and sales, we offer free advertising on our social media platforms.

Mobile and Internet Banking are both available.

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Asset Finance Loan

Everyone deserves the luxury of their dreams, including you

Acquire your office equipment, electronic gadgets, and your interior decor with Baines Credit Asset Finance. It is acceptable far and wide by reputable vendors. It also covers purchase, leasing and hiring services.

Below are the features of our Asset Finance:

Access up-to N50,000 as an individual and N1,800,00 as a registered company under Baines Credit Asset Finance.

 Immediate possession of the asset.

3.5% interest for salary earners, and 5% interest rate for business owners per month.

20% equity for business owners and Zero for individuals.

No processing fee or upfront charges.

Flexible repayment option, not more than 4 months for salary earners and upto 6 months for business owners

An asset can be purchased from any known vendor apart from those we are currently in partnership with such as KONGA, RAYA, SIMS,TRIP BEARERS, etc.

Assets must be in the customer’s name backed up with receipt until full payment is made.

Our eligibility criteria:

Must have a current account.

Valid identity card (National ID, Driver’s License, Voter’s card, or International Passport).

Passport photograph.

Must be a confirmed staff of a reputable organisation or self-employed individual.

Current Utility bill.

6 months predated statement of account.

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An overdraft is a credit facility loaded to your current account. This means that you have the convenience of borrowing on the same account that is used for your daily banking transactions.


Applicants must have an active Baines Credit MFB account.

Moveable Asset to be Used as Collateral.

Current Utility Bill.

Passport Photograph(where applicable).

Business CAC documentation and any other documents requested by
Baines Credit MFB.

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