Loans that are simple, clear and fair.
Borrow from ₦50,000 to ₦5,000,000. Choose how much and for how long, see exactly what you will repay, and apply in minutes.
- First-month rate
- 10%
- Starting amount
- ₦50,000+
- Repayments
- Weekly
Your next big move starts here.
Stock up, expand, open a second shop. Tell us what you need and see exactly what it takes.
See what you could borrowHow it works
From application to approval in four steps
- 01
Create your account
Sign up free with your email. It takes less than a minute.
- 02
Choose amount and duration
Slide to what you need and see the total you will repay.
- 03
Add your details and guarantor
Tell us about you and add your guarantor, with photo and signature.
- 04
Get a decision
We review your application and confirm your terms and schedule.
Loan calculator
See your repayment before you apply
These are our real terms. What you see here is what your application will show.
Choose your loan
Move the sliders. Everything you would repay is shown instantly.
Why Cornerstone
Built on clarity
Clear, fixed pricing
10% for the first month, then 10% more for each extra month. No hidden charges.
Repayments that fit
Borrow for 4 weeks up to 51 weeks, repaid weekly on fixed dates.
Know before you apply
Your interest, total repayment and every due date are shown up front.
Your data is protected
Your details are stored securely and only our authorised staff can review them.
Pick the loan that fits your life
Every loan type uses the same clear pricing.
What you need to apply
- Your detailsFull name, phone number and city
- Your BVNThe 11-digit number from your bank
- A guarantorSomeone who knows you, with their photo and signature
- An email addressTo create and secure your account
Paying late: 1% of an overdue instalment is added per day after 2 grace days, up to 100% of that instalment. We remind you before every due date.
FAQ
Questions, answered
Can't find what you need? Visit our office and our team will help you.
Who can apply?
Anyone with a valid BVN and phone number who has a guarantor willing to stand behind the loan. You can only have one loan at a time: a new application opens once your current loan is fully repaid.
How is the interest calculated?
Interest is a fixed percentage of the amount you borrow, based on how long the loan runs. The first month has a base rate and every extra month adds a little more. The calculator above shows the exact naira figure before you apply, so there is nothing to work out yourself.
What is a guarantor and why do I need one?
A guarantor is a person who knows you well and confirms they will take responsibility for the loan if it is not repaid. You add their details, passport photo and signature (by upload or camera) on the application form.
What happens if I pay late?
A small daily penalty is added to an overdue instalment, after a short grace period, and it stops at a set cap. The exact rule is shown on your loan summary before you submit, and is repeated in your repayment schedule.
Can I apply in person instead?
Yes. You can collect a paper application form at our office and fill it in by hand. Our team will enter it for you.
How do I track my application?
Create an account or sign in to your portal to see your application status, your approved terms and your repayment schedule in one place.