---
title: "Baines Credit Microfinance Bank: Loan App"
description: "Apply for personal, SME, home, car or education loans in Nigeria—rates from 8–12%. Open accounts online; fixed deposits up to 15%."
canonical_url: "https://liners.com/baines-credit-microfinance-bank"
markdown_url: "https://liners.com/baines-credit-microfinance-bank.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/baines-credit-microfinance-bank/screenshot.webp?v=1788191824858"
published_at: "2026-03-14T21:15:10.521Z"
updated_at: "2026-09-21T05:10:58.743Z"
---

# Baines Credit Microfinance Bank: Loan App

Apply for personal, SME, home, car or education loans in Nigeria—rates from 8–12%. Open accounts online; fixed deposits up to 15%.

## Breadcrumbs

- [Banking](/categories/banking)
- [Baines Credit Microfinance Bank](/baines-credit-microfinance-bank)

## Summary

Loans, savings, and investments for individuals and SMEs

A Nigerian microfinance bank offering personal and business loans, savings, investments, and e-channels for salary earners, SMEs, and corporate customers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://bainescredit.com/ |
| Tagline | Loans, savings, and investments for individuals and SMEs |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Baines Credit Microfinance Bank is a regulated Nigerian microfinance bank that provides **loans, savings, investments, and e-channels** for salary earners, SMEs, and corporate organizations.

Key capabilities include:

- **Loans for different needs** such as personal loans, SME/business loans, asset finance, overdraft, and specific products like **home loans (8%)**, **personal loans (12%)**, **car loans (10%)**, and **education loans (9%)** as listed on the website.
- **Digital loan access and servicing** through web loan portals and online journeys for **loan applications**, plus dedicated flows for **quick loans** and **salary loans**.
- **Savings and fixed deposits** promoted with returns such as **up to 15%** (fixed deposit) and investment offers that reference **19% ROI** on the site.
- **Self-service banking tools and payments** including **internet banking**, **account opening**, **loan repayment**, and **fund account** options, plus free tools like a **budget planner** and **loan calculator**.

Available on **Web**, **Android**, and **iOS**.

Target users include **individual salary earners**, **micro, small, and medium-scale enterprises**, and **corporate organizations** in Nigeria.

Notable for combining consumer and SME lending with online account opening and repayment channels in the Nigerian market, while highlighting that **clients’ deposits are insured** and that it operates as a **regulated microfinance bank**.

## Features

- [Banking](/categories/banking): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/baines-credit-microfinance-bank/alternatives)
- [Reviews](/baines-credit-microfinance-bank/reviews)
- [Transparency](/baines-credit-microfinance-bank/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/baines-credit-microfinance-bank)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)