Money whenever it matters
Power your plans with loan solutions designed to give you quick access to funds, flexible repayment options, and the support you need to take your next big step.
Regulated & insured by
What makes us different
Fast and flexible — funds when you need them
Quick Loan Approval
Get access to loans quickly with minimal documentation and fast processing.
Flexible Repayment
Choose repayment plans that suit your cash flow and financial needs.
Transparent Terms
No hidden charges – know exactly what you owe and when to pay.
Business & Personal Loans
Access tailored loan products for personal needs or growing your business.
Loan products
Instant microloans
Fast, reliable funding with repayment terms that fit your cash flow — for personal plans and business growth alike.
Borrow Airtime Instantly
Stay connected anytime, anywhere.
Never run out of airtime when it matters most. Get instant credit to purchase airtime, mobile data, electricity bills, and cable TV subscriptions. Fast approval. No long forms. No stress.
Loan for Electricity Bills
Keep your lights on. Keep Life Moving
Borrow instantly to recharge your electricity meter with any listed Power Distribution Company. Quick access. Seamless payment. Immediate recharge
Before you apply
What you'll need to apply
A short checklist — have these ready and the process moves quickly.
- 1
Active Bank Account
Maintain an active savings or current account with Routelink MFB.
- 2
Valid Means of Identity
Provide a valid copy of National ID, Voter’s Card, Driver’s License, or International Passport.
- 3
Proof of Income
Submit salary slips, bank statements, or business records as proof of income.
- 4
Guarantor Details
Provide details and valid identification of one or more guarantors.
- 5
Collateral or Insurance
Provide collateral or insurance cover where required by the loan terms.
Loan calculator
Calculate your loan cost
Enter the amount, the term, and the product interest rate you were quoted.
An estimate only, using simple interest. Your actual rate and total are confirmed before anything is agreed.
Bank and pay with RoutePay
Use the RoutePay app to manage your account, transfer funds, pay bills, and access Routelink MFB services wherever you are.
FAQ
Frequently asked questions
Everything you need to know about borrowing with Routelink.
Eligible customers can access loans of up to ₦2,000,000, subject to credit assessment and approval.
You can apply for a loan by visiting any Routelink MFB office or through our approved digital channels with the required documentation.
Required documents typically include a valid means of identification, proof of income or business activity, and any additional documents requested during assessment.
Loan approval timelines vary, but eligible applications are usually processed within a short period once all requirements are met.
Loan repayment periods are flexible and can range from 1 to 12 months, depending on the loan type and agreement.
Interest rates depend on the loan product, amount, and repayment duration. The applicable product rate and total cost are clearly communicated before approval.
Visit RoutePay to apply through approved digital channels, manage repayments, and access convenient bill-payment services.
Yes, early repayment is allowed and may help reduce overall interest, subject to the loan terms.
Yes, customers with good repayment history may be eligible to apply for additional loans.
Still have questions? Talk to our team
Experience banking that works for you
Open an account in minutes and join thousands of Nigerians saving, borrowing, and growing with Routelink.
Licensed by the Central Bank of NigeriaDeposits insured by the NDIC