Powerful Banking. More Yield

Yes. Yield is a CBN-licensed and regulated Microfinance Bank, and every process we follow is
governed by the same regulatory framework that applies to any licensed financial institution in
Nigeria.

Yield currently provides salary-linked loans for working professionals: straightforward, regulated
credit tied to your pay cycle, repaid through simple payroll deduction or direct repayment,
depending on how your employer chooses to work with us.

If you’re a salaried employee, whether your employer has an existing partnership with Yield or
you’re applying directly, you can apply for a loan with us. Eligibility is based on your verified
income, employment status, and existing financial obligations, assessed responsibly so that your
loan doesn’t put unnecessary strain on your monthly income.

Yes. As a CBN-licensed institution, we are held to strict data protection and confidentiality
standards. Your personal and financial information is used only to assess your loan eligibility and
manage your account: it is never sold or shared with third parties outside what’s required for
regulatory or operational purposes.

Loan amounts are based on your verified monthly income and existing financial obligations, so the
amount you’re eligible for reflects what you can comfortably repay, not just what you ask for. Loan
tenures typically start between 3 and 12 months for new borrowers. As you build a track record of
clean, on-time repayment with us, you become eligible for longer tenures and higher limits on
future loans.

No. While employees at our partner organisations enjoy a faster, more streamlined application
process and often better rates, you don’t need your employer to be a Yield partner to apply. You
can apply directly as an individual, provided you meet our standard eligibility requirements.

Applying is simple: visit www.yieldmfb.com to start your application.