You can access between N50, 000.00 to N5, 000,000.00 depending on your credit rating.

Our rates are competitive, we assess every application on a case-by- case basis using our credit guidelines, and we apply a risk-based pricing mechanism to determine the applicable rate.

If your loan is approved, the cash will be transferred to the designated account provided by you.

You can upload and submit your documents with your application form on line. Our loan representative will pick up the hard copies with your cheques and other required documents from your office.

• 1. Passport Photograph
• 2. Employment Letter and confirmation or promotion Letter
• 3. A valid means of Identification (International Passport, Driver's Licence or National ID card)
• 4. Three (3) month’s salary or income statement of account, to be sent directly to us from your bank.
• 5. Recent Utility Bill (e.g. Electricity, land use charge, refuse/waste bill etc.)
• 6. Staff/Employee ID Card
• 7. Post Dated (NUBAN compliant) Cheques or Direct Debit Mandate

Yes, you can extend an existing loan tenor subject to our discretions

Yes, but at the discretion of the company. You can increase an existing loan amount through a Top-up plan. A top up is increasing your outstanding loan amount to a new higher amount or returning it to its original amount. However, the existing loan facility will be liquidated in order to process a new loan. The new loan/amount of money receivable will be the difference between the New Loan and the Unpaid/outstanding Amount on the Existing Loan.

Yes, you can repay all or part of your loan early without any penalty.

• Your post-dated cheque will be paid on dates agreed upon with your loan officer. Alternatively, you can make use of the following:
• Direct Debit
• Standing Order/Instructions
• Internet/Online transfer

Yes, you can always apply to borrow again as long as you keep meeting your repayment obligations.

You can apply immediately after a full repayment of existing loan.

If you don't want your cheques presented you can make payment in our designated account which will be advised, however, you must inform us and also remit the payment at least 48 hours before the repayment due date on the cheque.

• The default penalty is 0.5% per day on the unpaid amount for each day of default.
• If the default exceeds 30 days, more stringent measures may be applied which may include but not limited to:
  1. Police/legal action for issuing dud cheque
  2. Reporting defaulter to his/her employer
  3. Reporting defaulter to Credit Bureau

No. Please never pay cash or transfer money to any of our staff or agent’s personal account.

Kindly send a mail to customercare@heatfinancials.com OR www.heatfinancials.com OR contact us