LOAN PRODUCTS

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LOAN PRODUCTS

At Vilys Micro Credit, we believe financial freedom should be accessible, simple, and smart. Our suite of loan solutions is designed to support your lifestyle, hustle, and goals—whether you’re growing a business, solving a personal need, or securing your child’s future. Explore our unique offerings below:

Personal Loan

Flexible Cash When You Need It Most

Whether it’s an unexpected bill, a medical emergency, or a personal milestone, our Personal Loan puts instant funds at your fingertips with zero hassle.

Salary Loan

Smart Financing for Salaried Professionals

A hassle-free loan facility built for full-time employees of recognized institutions, structured around your payday for predictable, stress-free repayments.

Scheme Loans

Finance Backed by Your Employer

A partnership-based loan plan where your employer handles repayments through direct salary deductions, giving you instant access with minimal stress.

EduFund

Because Every Child Deserves an Education

We support parents and guardians to keep their children's education on track—by funding fees directly to schools when it matters most.

SchoolFlex Fund

For Students Who Work & Learn

This unique loan is tailored for income-earning students, helping you manage tuition, learning materials, and fees while studying.

Smart Buy

Own Gadgets Today, Pay in Bits

In partnership with Tech n Sync, Smart Buy lets you access gadgets and electronics on a convenient hire purchase plan—with no collateral or processing fee.

Autoflex Loan

Your Car, Your Hustle—Drive Now, Pay Later

Perfect for individuals seeking reliable and flexible vehicle financing—Autoflex makes personal vehicle ownership smooth, secure, and hassle-free.

Vroom Cash

Cash In. Keep Your Car.

Need money but don’t want to sell your car? Vroom Cash helps you unlock your vehicle’s value while keeping it in your garage and on the road

D Loan

Fast Microloans for Everyday Hustlers

Need quick cash for restocking, repairs, or emergencies? Our D Loan is perfect for market women, drivers, and daily income earners.

Business Loan

Fuel Your Growth, Boost Your Cash Flow

From stocking up inventory to taking your business to the next level, this facility supports small business owners with the cash they need, when they need it.

Property Cash

Unlock the Value of Your Property Without Selling

Turn your land or property into working capital—without giving up ownership. Get fast, secure financing using your titled property.

Work & Pay

Own a Car in 12 Months—One Week at a Time

Tailored for commercial drivers, this vehicle acquisition plan gets you behind the wheel fast with weekly payments and clear ownership transfer.

LOAN APPLICATION

Want to apply for a loan?

Ready to take the next step towards your financial goals? We've made our loan application process straightforward. To begin, we invite you to speak directly with one of our experienced financial advisors. They will take the time to understand your unique needs and guide you towards the best loan facility for you from our wide range of products. This consultation is also an opportunity for you to learn all about our flexible repayment options and competitive interest rates before you proceed. Once you have all the information you need, you can then comfortably fill out and submit your loan application.

Loan Calculator
Loan Application Form
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