---
title: "Zojapay: Loan App in Nigeria"
description: "Borrow up to ₦500k in Nigeria, pay electricity/airtime/TV with up to 1.5% cashback, and transfer to any bank in under 10 seconds."
canonical_url: "https://liners.com/zojapay"
markdown_url: "https://liners.com/zojapay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/zojapay/screenshot.webp?v=1791756731458"
published_at: "2026-10-11T22:12:32.620Z"
updated_at: "2026-10-12T20:10:14.683Z"
---

# Zojapay: Loan App in Nigeria

Borrow up to ₦500k in Nigeria, pay electricity/airtime/TV with up to 1.5% cashback, and transfer to any bank in under 10 seconds.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [ZojaPay](/zojapay)

## Summary

Borrow, pay bills, and transfer money in one app

A Nigerian digital finance app for individuals and small businesses to access loans, pay electricity and airtime bills with cashback, transfer to banks, and use a payment card.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.zojapay.com/ |
| Tagline | Borrow, pay bills, and transfer money in one app |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

ZojaPay is a Nigerian digital finance app for individuals and small businesses that combines **loan access**, **bill payments**, **money transfers**, and a **payment card** in one wallet.

Key capabilities include:
- **Loans for different needs**: quick cash (up to **₦50,000**, advertised **14 days at no interest**), personal loans (up to **₦250,000**, **≥5% per month**), salary advance (up to **₦500,000**, **2.5% per month**), and business/capital loans (up to **₦500,000**, **≥4% per month**). The website also references business capital amounts up to **₦5,000,000**.
- **Bill payments with cashback**: pay for **electricity**, **airtime**, **mobile data**, and **TV/cable subscriptions** (examples shown include DSTV and EKEDC), with up to **1.5% cashback** credited to the wallet.
- **Transfers in Nigeria**: send money to **any Nigerian bank** (the site states transfers can arrive in under **10 seconds**) and transfer to other users with **zero charges**.
- **ZojaPay card**: a **Verve-powered card** for **POS** payments in Nigeria and **online purchases**, with in-app controls such as the ability to freeze the card.

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

Built primarily for Nigerian salary earners, market traders, entrepreneurs, and consumers who need short-term credit, everyday bill payment, and local bank transfers in naira.

Notable in the Nigeria fintech market for combining loans, cashback bill payments, and a card under one app, and for stating that financial services are provided by **Xpress Wallet** and **Providus Bank**, described as licensed by the **Central Bank of Nigeria**, with deposits insured by the **NDIC**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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