Access instant loans, savings, and digital banking services, right from your phone. Serving civil servants, traders, and everyday Nigerians across the country.
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We understand that most Nigerians don't need a smartphone to access credit. We built our products for everyone.
Dial *737# from any mobile phone to access your account, send money, and apply for loans. No smartphone, no data, no problem.
Learn more →Exclusive credit products for government employees, backed by your salary and processed directly through your LGA payroll partnership.
Learn more →Working capital loans for market traders, shop owners, and informal sector business owners, without complicated paperwork.
Learn more →Walk-in banking services at our growing network of agent locations across Kwara State and beyond. Deposit, withdraw, and transfer cash near you.
Learn more →Empower your business with fast, flexible daily working capital. Fund stock, cover expenses and seize opportunities with short-cycle credit built for traders and entrepreneurs.
Learn more →Lock in today's fuel prices for future purchases. Our innovative savings product protects you against price hikes before they hit.
Learn more →Check your balance, apply for loans, transfer money and manage your savings all from one app. Fast, secure and built for Nigerian smartphones.
No smartphone? Dial *367*626# from any phone instead.
From USSD to digital. We meet you where you are.
Our USSD lending platform lets any Nigerian with a basic mobile phone access emergency credit in under 5 minutes. No internet, no app, no stress.
Open a savings account in minutes with zero fees. Earn competitive interest rates and access your money anytime through USSD or our agent network.
Our civil servant credit products are built around government pay schedules. Salary-backed loans with automatic deductions. No chasing, no stress.
Our growing network of agency banking hubs brings financial services to your doorstep. No need to travel to a city branch.
No branch visit needed. Open your account and access credit entirely from your phone.
Dial *737# from any phone, or download our app from the Play Store or App Store.
Provide your BVN, NIN, or employment letter to verify who you are. Takes under 2 minutes.
Your account is created instantly. Receive your account number and start transacting.
Apply for a loan, set up savings, or visit an agent hub for cash services. You're done.
"I got a salary loan without leaving my office. The USSD process was so simple. I applied, got approved, and the money was in my account in under 10 minutes. Incredible."
"As a market trader with no smartphone, I was worried digital banking wasn't for me. With Magajin-Gari's USSD service, I manage my money and access credit just like anyone else."
"The Agency Banking Hub at our LGA secretariat has transformed how our community handles money. We don't have to travel 45 minutes to the nearest bank branch anymore."