Interest-freeoverdraftsbackedbyyourQ-Lock
Access short-term cash against your active Q-Lock savings without liquidating them. Eligible users can request from NGN1,000, receive approved funds in their Northquest wallet, and keep their locked savings working toward the original goal.
Backed by your active Q-Lock
Use your locked savings as collateral for short-term cash without breaking the Q-Lock you committed to.
Interest-free at launch
Eligible overdrafts start at 0% interest, with the exact amount and timeline shown clearly before you submit.
Paid into your Northquest wallet
Once approved, funds are disbursed straight to your Northquest wallet so you can handle urgent cash flow needs.
Short-term cash access without breaking your Q-Lock
Confirm eligibility
You need a fully verified Northquest account and at least one active Q-Lock with enough time left before maturity.
Choose a repayment date
The app shows the real naira amount available for each date based on the Q-Locks that can back your request.
Receive funds after approval
Submit the request for review. When approved, the amount is sent to your wallet and remains trackable in the app.
A safety buffer that keeps your savings plan intact
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