Complete these steps to unlock your loan eligibility. All borrowers go through the same path.
1
BVN Verification
Link your Bank Verification Number
2
NIN Verification
National Identity Number check
3
Selfie Verification
Liveness check with your camera
4
Link Bank Account
Connect via Mono for statement analysis
9:41MTN5G
Hello
Your credit ladder: Silver (Tier 2)
Available Loan Amount
N150,000
Silver - Tier 2
From 4.0%/mo
Loan History
●
Active Loan
Installment - 30 days left
N35,000
✓
Loan #SS-0042
Paid off - Sep 2026
N20,000
✓
Loan #SS-0031
Paid off - Jul 2026
N15,000
Apply for a Loan
Max: N50,000 at Silver tier
GTBank
0123456789
Linked
Est. Interest (5.2%/mo)N4,160
Processing feeN0
Total repaymentN44,160
Processing Application
Sharp Cash is scoring your profile
KYC Verification
Fraud Detection (Device + Graph)
Bank Statement Analysis
Income Estimation
Credit Scoring (Single Model)
Credit Bureau Check
Ladder-Based Pricing
Generating Offer
Your Loan Offer
Approved
N40,000
Offer expires in 72 hours
Loan TypeInstallment
Tenure60 days
Monthly Rate5.2%
Credit Score620 (Band B)
Ladder TierSilver (Tier 2)
Ladder Discount-0.5%
Total InterestN4,160
Installments2 x N22,080
Total RepaymentN44,160
✓
Loan Disbursed!
N40,000 sent to
GTBank - 0123456789
Reference
MC-2026-10-0058
Loan Details
Outstanding Balance
N44,160
Current - 0 DPD
Repayment Schedule
1
Nov 14, 2026
N22,080
2
Dec 14, 2026
N22,080
PrincipalN40,000
InterestN4,160
Paid So FarN0
Total DueN44,160
✓
Loan Cleared!
Loan fully repaid
Ladder Promotion Check
Loans repaid on time3 of 3
Consecutive on-time3
Promoted to Gold (Tier 3)!
Max loan: N100,000 | Rate discount: -1.0%
Credit Ladder
The ladder is how risk is segmented. Repay on time to climb tiers and unlock larger amounts at lower rates. No persona routing -- your history is your score.