Moni is a comprehensive financial management app designed to simplify your financial life by offering a seamless platform where you can plan, save, borrow, and invest all in one place. Whether you're an individual looking to save for personal goals or a business aiming to access quick loans, Moni provides tailored solutions to meet your needs.

Simplified Access to Financial Services

Moni offers direct access to a range of financial services, including business loans for Small and Medium Enterprises (SMEs), savings accounts, insurance, investments, and more. The Moni digital bank is built with automation at its core, helping you cultivate consistent savings habits while ensuring your money remains secure. With our Fund Insure feature, your cash is protected with payment assurance, giving you peace of mind.

Moni has been in operation for over two years and has garnered positive testimonials from users who have successfully managed their finances using the app. Plus, with 24/7 customer support, you can reach us anytime for assistance.

Key Features of the Moni App

1. Save for Short-Term and Long-Term Goals

Moni provides you with tools to achieve your financial goals efficiently.

• Quick Setup: Create a savings account in just two minutes.
• Automated Savings: Link your card to automatically fund your savings.
• Flexible Saving Plans: Choose from various plans that align with your financial goals.
• Rewards for Success: Get exciting rewards every time you reach your savings milestones.
• High Interest Rates: Enjoy some of the best interest rates in the market.
• Secure Vault: Your money is securely stored in our vault.
• Instant Withdrawals: Withdraw funds instantly whenever you need them.

2. Community-Powered Business Loans

Moni helps you achieve your business objectives by offering fast, community-based business loans.

• Instant Access to Loans: Borrow up to ₦3 million instantly at competitive interest rates.
• Trust-Based Lending: Get loans based on trust, ensuring quick cash when you need it.
• Flexible Loan Options: Choose loan tenures that suit your business needs—daily, weekly, or monthly.
• Business Tools: Access exclusive tools to help your business grow alongside your loans.

3. Moni Float for SMEs

Moni Float provides SMEs with access to collaborative loans through business clusters.

• Cluster-Based Loans: Borrow alongside other trusted business owners.
• Flexible Tenure: Opt for loan terms that fit your repayment capacity.
• Exclusive Business Tools: Utilize additional business resources to keep your enterprise flourishing.

4. Rent Now, Pay Later (RNPL)

Moni also offers an innovative Rent Now, Pay Later (RNPL) feature that makes housing affordable.

• Move Into Your New Home: Move into your next home with the funds you have now.
• Zero Upfront Payment: Pay your rent with zero upfront when you use Moni.

How to Get Started

To start taking control of your finances with Moni, follow these simple steps:

1. Download the Moni App: Available on major app stores.
2. Create Your Profile: Set up your profile in under two minutes.
3. Set Up Savings Plans: Choose a savings plan that fits your goals and automate it by linking your card.

With Moni, there are no hidden fees or charges—transparency is a core part of our service.

Loan Tenure

Moni loans come with flexible repayment periods ranging from 24 to 52 weeks, making it easier for you to plan and repay at your convenience.

Your financial journey is in safe hands with Moni, where security, flexibility, and community are our core values.