Frequently asked questions

You may reach Northquest Finance Customer Support via:

• Email: info@northquest.com
  
  
• Phone: +234 901 015 0001 or +234 907 007 1555
  
  
• Office Locations:
  
  • Lagos: 8B Oluwakayode Jacobs Crescent, Lekki Phase 1
    
  • Abuja: Suite A53, Efab Shopping Mall, Area 11, Garki

Northquest Finance operates as a CBN-licensed finance company dedicated to transforming Nigeria’s financial services landscape. Unlike typical neo-banks, we deliver innovative, tailored financing solutions designed to unlock capital, empower individuals and businesses, and offer customizable capital and investment opportunities for creating lasting wealth.

As a CBN-licensed institution, Northquest Finance upholds stringent security protocols and regulatory standards. We combine robust risk assessment frameworks with expert fund management designed to ensure the safety and stability of your assets.

To open an account:

• Download the Northquest app via the Apple App Store or Google Play Store or access via the web.
  

Complete the sign-up process in a few minutes using basic personal or business details. Once onboarded, you can immediately begin accessing our suite of financial services.

Northquest Finance is a Central Bank of Nigeria-licensed finance company committed to transforming financial services in Nigeria. We specialize in customized, client-focused capital solutions from investments and savings to loans focused on enabling clients to build and sustain financial prosperity.

Your eligible loan amount is determined by the value of your vested investments with Northquest. The higher your investment portfolio, the greater the loan amount you can access. This ensures we offer you a loan that aligns with your financial capacity while keeping repayment convenient and affordable.

Yes, you can repay your loan early at any time without any extra charges or penalties. Early repayment may even reduce your total interest amount since you’re paying off the loan sooner.

• Personal Loans: Active Northquest account for at least 1 month and a positive investment history.
  
  
• Asset-Backed Loans: Collateral such as vehicles or real estate in addition to an active Northquest account.
  
  
• Business Loans: Active business account, verifiable business income, and sometimes collateral depending on the loan size.

Loan approvals typically take 24–48 hours after you submit your application with all required documents. For asset-backed and larger business loans, approvals may take a little longer due to collateral verification.

Personal Loans: Up to ₦5 million.

Asset-Backed Loans: Up to ₦50 million.

Business Loans: Up to ₦100 million, depending on business size and collateral.

You can start investing with as little as ₦5,000. This low entry point allows you to grow your wealth gradually and access our structured investment plans.

Your returns can be paid monthly, quarterly, or annually, depending on the investment option you choose. This gives you the flexibility to align your returns with your financial goals.

Yes, early withdrawals are possible for some plans. However:

• Flexible and semi-flexible plans allow early withdrawal with minimal or no penalties depending on the investment.
  
  
• Fixed and structured plans may require you to complete the agreed tenure or may charge a small penalty for early liquidation.

You can earn competitive returns of up to 24% per annum, depending on the type and duration of your investment. Specific returns will be displayed in your chosen investment plan before you commit.

Northquest offers a range of options, including:

• Flexible and Semi-Flexible Deposits – Short-term plans that allow more liquidity.
  
  
• Fixed Deposits – Higher returns with fixed tenure commitments.
  
  
• Structured Investments – High-yield plans in sectors like real estate, commodities/FMCG, and automotive, designed for long-term growth.

An unstructured savings plan, also referred to as a flexible savings option it allows clients to deposit and withdraw funds freely, without fixed tenure commitments or withdrawal limits. In contrast, traditional savings accounts may impose structured terms, including set durations or limited access. Northquest’s flexible savings offering delivers high-interest earnings combined with on-demand access to funds.

No minimum balance is required to accrue interest on Northquest’s savings products. Returns begin accruing on the very first naira deposited.

Interest on savings is credited daily, allowing customers to see their balance grow incrementally, every single day.

There are no restrictions or hidden fees on withdrawals. Clients may access their funds at any time, fully in line with the flexible nature of the savings product.

Northquest offers high-yield savings, with interest rates of up to 24% per annum depending on account usage and balances.