---
title: "Migo: Embedded Lending API Platform in Nigeria"
description: "Embed microloans, BNPL and overdrafts in Nigeria via API. Automated decisioning approves collateral-free credit in 2–3 minutes for users."
canonical_url: "https://liners.com/migo"
markdown_url: "https://liners.com/migo.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/migo/screenshot.webp?v=1773172717233"
published_at: "2026-03-11T07:25:27.875Z"
updated_at: "2026-10-07T17:47:22.228Z"
---

# Migo: Embedded Lending API Platform in Nigeria

Embed microloans, BNPL and overdrafts in Nigeria via API. Automated decisioning approves collateral-free credit in 2–3 minutes for users.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Migo](/migo)

## Summary

Offer credit in minutes through an embedded lending API

An embedded lending platform that helps banks, merchants, fintechs, and telcos offer microloans, BNPL, and overdrafts to underbanked customers via API.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.migo.ng/ |
| Tagline | Offer credit in minutes through an embedded lending API |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Migo is an **embedded lending platform** for banks, merchants, fintechs, and telecommunications companies that want to offer credit to consumers and small businesses through their own apps and services.

Key capabilities include:

- **API-based integration** that lets partners add lending and credit purchase flows inside existing digital channels
- **Automated credit decisioning** using proprietary **machine learning** and partner data to assess risk and approve loans in **2–3 minutes**
- Support for multiple credit use cases, including **microloans**, **buy-now-pay-later** (pay small small), and **overdraft facilities**
- **No-collateral lending** designed for underbanked and low-income users who may be excluded by traditional credit bureaus

Available via **API** and **Web**.

It fits a **B2B and B2C** model, serving businesses and digital platforms that want to offer branded credit products to their end customers, while also providing loans directly to individual borrowers.

In Nigeria, it is positioned for fast, collateral-free credit access while partners keep the customer relationship and Migo provides the lending automation backend. The company also operates in **Brazil** and reports partnerships in Nigeria that include **MTN**, **Interswitch**, **9mobile**, **Flutterwave**, **Bank of Industry**, and **Fidelity Bank Plc**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/migo/alternatives)
- [Reviews](/migo/reviews)
- [Transparency](/migo/transparency)

## Access and citation

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