TC Money

Need access to seamless financial services?
TC Money powered by TCF Microfinance Bank is a convenient and fast financial solution for Nigerians, it offers savings and instant loan opportunities to individuals, professionals and SME enterprises with attractive interest rates.

We provide Loans, Deposits, and Savings to all Nigerians including unemployed and low-income earners with ease and a seamless experience! No long queues or documents. Bank with us at your convenience from the comfort of your homes on a simple app!
Our airtime top-up feature allows you to buy and send airtime on any mobile network for yourself, family and friends.

LOAN RATES AND REQUIREMENTS
With TC Money, you can access loans without having to visit the bank. Yes, it’s that easy! Our payback period can be from 65 days to 90 days depending on your loan eligibility. We give out loans absolutely in compliance with the national rules.
Our minimum interest rate, which is determined by our credit scoring algorithm, is 3% per month and a maximum of 10% per month. This comes to an Annual Percentage Rate (APR) of 36%.

FOR EXAMPLE;
If you get a personal loan product of N10,000 to pay back over a 3-months tenor at an interest rate and fees of 3% per month (36% APR), you will be paying back N900 in interest, making your total Principal+Interest repayment of N10,900 only.

We usually require no collateral. However, you may need to provide a guarantor for specific loans.
Also for verification purposes, you will need to submit additional documentation such as a valid ID. We may also require that you submit your bank statement for further confirmation.
Nevertheless, all you need to do is download the app, sign up easily and apply for a loan in minutes!

WANT TO TALK TO US?
We will love to hear your thoughts, feedback and tips to make our services better. If you have any issues navigating the app or questions, you can reach out by calling +234 708 393 5454 and 08081281730 or send an email to support@tcfmicrofinancebank.com.

ADDITIONAL NOTES
When processing your loan request for eligibility, we take several signals into consideration such as past loan performance, credit score and so on. We also require that all details filled in the loan application are correct and verifiable as false details could delay your loan request and your profile may be blacklisted. For cases of fraud, you may be reported to the authorities.