A Nigerian digital loan service for employees paid via Remita, offering quick cash loans up to 40% of net salary through web or USSD with automatic repayment.

KashNow Product Overview

Is KashNow Right for You?

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Best For

  • Nigerian salary earners
  • Remita paid employees

What It Does Well

  • USSD loan access
  • Web loan requests

Things to Check

  • Remita payroll required
  • Loan amount cap

About KashNow

Screenshot of KashNow website

KashNow is a digital consumer loan product for Nigerian employees whose salaries are processed through the Remita payment platform, providing short-term cash loans in minutes.

Key capabilities include:

  • Salary-based instant loans up to 40% of net salary, with amounts from N10,000 to N200,000
  • Multi-channel applications through the website or USSD (*5077#), designed for quick, paperless access
  • Short tenor of not more than 30 days (typically repaid from the next salary)
  • Repeat borrowing allowed within a month as long as total outstanding loans do not exceed 40% of salary
  • No documentation, collateral, or guarantor, with confidential process management and 24/7 availability
  • Asset-backed loans for individuals against investments, with reduced interest rate, minimal documentation, and retention of holdings/investments

Available on Web and via USSD (*5077#).

It targets employees in Nigeria across federal government, state government, and private organizations whose monthly salaries are disbursed through Remita.

Notable in the Nigerian market for tying eligibility and repayment to Remita salary processing and for offering fast access to small, short-tenor credit alongside an investment-backed borrowing option.

KashNow Facts

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Operates In
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Pricing & Fees
Variable pricingLoans up to 40% of salary amount; Loans from N10,000 – N200,000; Tenor is not more than 30days (typically repayment is from the next salary); Maximum amount: 40% of your net salary; Minimum cash amount N10,000

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Frequently Asked Questions About KashNow

Kashnow is an exclusive instant loan service for employees of UCAP and Heirs Holdings, offered by UC Plus Advance. It provides cash advances of up to 40% of your salary at a 5% interest rate, with funds disbursed within 2 minutes if profiled, and repayments automatically deducted from your salary on payday.

Kashnow charges a 5% interest rate on loans. Repayments are automatically deducted from your salary.

Kashnow operates in Nigeria. It is available only to UCAP and Heirs Holdings employees.

Visit https://kashnow.ng/ to get profiled by filling out the sign-up form with your personal information, employer, phone number, emails, monthly net salary, staff ID, and salary account. Select your employer from the list or use the enlist company option if not listed.

Kashnow is best suited for employees of UCAP and Heirs Holdings needing quick cash advances against their salary.

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