Moni Float

Never run out of cash again, make more money.

Get weekly float for your POS business at the lowest interest rates possible.

How it works

Moni provides financing to you based on your social reputation.

Available 24/7

Apply for loans on the Moni app anytime.

Ditch bureaucracy

No paperwork, guarantor or collateral required.

Transparency at all stages

No surprises. Your exact repayment amount is shown to you in the app.

Lower Interest rate

Get interest rates tailored to your business needs.

Repay ontime, get rewarded

Repay on time and unlock higher loan amounts.

Yes, it’s that simple. Here you go

1. Download the Moni App

Get the Moni app on the Google Play Store, Apple App Store and create an account.

2. Join a cluster

Join a cluster using the code you’ve received from your referee.

3. Get Eligibility Amount

Provide your personal and business details to know the amount you are eligible to borrow.

4. Ready, Go! Your Moni arrives in seconds

Receive Fund Instantly. Loans will be sent to your provided account in 5 minutes or less.

Yes, it’s that simple. Here you go

1. Download the Moni App

Get the Moni app on the Google Play Store, Apple App Store and create an account.

2. Join a cluster

Join a cluster using the code you’ve received from your referee.

3. Get Eligibility Amount

Provide your personal and business details to know the amount you are eligible to borrow.

4. Ready, Go! Your Moni arrives in seconds

Receive Fund Instantly. Loans will be sent to your provided account in 5 minutes or less.

Loved By All

“Its one thing to get a loan, its another thing to get loan with minimal interest that allows you to keep a huge chunk of your profits. There is also insurance that secures the float for running your Business, this is why I'm vouching for Moni”

mceudoz venture

“I started with moni last year and I have no regrets doing business with them. Their reps are so activate, always ready to listen, securing agent money via insurance, instant crediting, & minimal interest rate”

Salawudeen Saheed

“I am one of moneyloan beneficiary. I have been enjoying loan facility for the past 5months now and they have been helping and supporting my business. I am saying a big thank to the company”

Tiamiyu Muftau Shola

“I am one of moneyloan beneficiary. I have been enjoying loan facility for the past 5months now and they have been helping and supporting my business. I am saying a big thank to the company”

Tiamiyu Muftau Shola

Loved by all

“Its one thing to get a loan, its another thing to get loan with minimal interest that allows you to keep huge chuck of your profits and insurance that secures your money, this is why I'm vouching for Moni”

mceudoz venture

“I started with moni last year and  I have no regrets doing business with them. Their reps are so activate, always ready to listen, securing agent money via insurance, instant crediting, & minimal interest rate”

Salawudeen Saheed

“I am one of moneyloan beneficiary. I have been enjoying loan facility for the past 5months now and they have been helping and supporting my business. I am saying a big thank  to the company”

Tiamiyu Muftau Shola

Backed by

Moni float

Can I access loan from Moni if I'm not a mobile money agent?
How much float can an agent access on Moni?
Can an agent already on Moni become a Cluster head?
Can I access the Moni float outside of the Moni App? 
How much interest does Moni charge on loans?
Joining Moni
Cluster Heads and Benefits

Can I access loans on Moni If i'm not a Mobile Money Agent?

Moni provides float for mobile money agents ONLY. Moni does not provide personal or business loans. In addition, float disbursed to mobile money agents shouldn't be diverted for personal use. Our goal is to help mobile money agents prosper.

How much float can an Agent access on Moni?

  • Download the app by searching for Moni on the Google play store. The app is also available on iOS.
  • Join a Cluster. To join, you would have to obtain a cluster code from any of our growing number of Cluster Heads. Currently, we have Clusters across Nigeria
  • Sign up and fill in the required information. Make sure all the information entered matches the information in your BVN records. It's advisable to return to your bank to confirm the details on your BVN records before signing up on the app to avoid encountering errors.

A new Moni agent can get up to N100,000 for their first float.

Subsequent on-time repayments would lead to increase until they can access up to N3million for their businesses and the increase in loan amount is instant.

Can an Agent already on Moni become a Cluster Head?

Yes! Mobile money agents can be recommended by other agents within their communities to become Cluster Heads on Moni.

Can I access the Moni float outside the Moni App?

No. Float can only be accessed via the official Moni app available on the Google Play Store.

How much interest does Moni charge on loans?

Loans are offered at flexible interest rates that's the most competitive in the market..  If an agent in a cluster defaults on their payment, this affects the loan eligibility of other agents in the cluster.

Joining Moni

To apply for loans on Moni, you must be a part of a Cluster. Currently, we have Clusters across the country. If any Mobile money agents are interested in receiving loans from Moni but have no Clusters around them, they would need to find at least 4 other agents within their trust circle looking to collect loans from Moni in order to apply to join the Moni platform.

Once a Cluster has a minimum of 5 agents, the Cluster head can then fill out the Cluster head whitelisting form and we will reach out to them.

Cluster Heads and Benefits

Cluster heads start a Cluster with a minimum of 5 agents. They are responsible for verifying new agents and ensuring that their Cluster members repay their loans. They are also entitled to some exciting Cluster head benefits.

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