Andray Finance is a digital lending platform designed to provide transparent and reliable loan services to hardworking Nigerians. We provide reliable financial support to salaried professionals, entrepreneurs, and gig economy workers who need timely access to loans to achieve their goals.

Our Commitment to You:
We offer a streamlined, respectful borrowing experience, eliminating lengthy paperwork, repetitive applications, and any inconvenience. Our mission is to provide structured, transparent loan solutions that adapt to your lifestyle and cash flow.

How Our Service Works
Instant Loan Access:
Apply for a loan of within the range of ₦10,000 to ₦5,000,000 and receive funds instantly once approved. Borrow only what you need, when you need it.

Easy Repeat Borrowing:
Once you repay your loan, you can quickly apply for another. No complicated processes, just fast access to funds whenever you need financial support.

Loan Growth:
Demonstrate responsible financial behavior through consistent repayment, and you will qualify for larger loan amounts, improved terms, and additional benefits over time.

Discreet and Automated Service:
We uphold the highest standards of privacy and respect. Your employer and contacts will not be contacted. Our repayment process is fully automated, secure, and designed for your convenience.

Transparent Pricing Example: ₦50,000 Andray Payday Loan
Loan Principal: ₦50,000
Loan Term: 3 months
Interest Rate: 5% monthly
Management Fee. A management fee of 1.075% of the loan principal is applied. This fee is evenly distributed across your monthly repayments, so you don’t pay it upfront separately: 1.075% of Principal (₦537.50)
Upfront processing Fee (to be removed from the disbursement amount): 1% of Principal (₦500)
Total Amount Disbursed: ₦49,500
Total Interest Payable: ₦7,500 (₦2,500 x 3)
Total Repayment Amount: ₦57,500.00
Annual Percentage Rate (APR): ≈ 65%

All calculations are provided for clarity. Our terms and fees are always presented upfront with no hidden charges or surprises. Timely repayments positively impact your future loan eligibility.

Designed for a Diverse Nigeria
Our financial products are tailored to meet the needs of a wide range of professionals, including:
- Salaried Employees and Civil Servants
- Small Business Owners and Merchants
- Freelancers and Gig Economy Workers
- Entry-Level Professionals

Get Started in Four Simple Steps
Register: Visit our website or download our app and complete your secure profile.
Verify: Submit your details for instant identity verification (BVN and KYC).
Get Approved: Receive a one-time loan approval (subject to credit bureau rating).
Borrow and Repay: Access funds instantly and enjoy seamless, automated repayments.

Security and Compliance
Your trust and security are our priorities. We operate with full transparency and compliance, leveraging advanced technology and secure partnerships. All customer data is protected in accordance with the Nigerian Data Protection Regulation (NDPR).

Download the Andray Finance App Today.

Smart Loans. Dignified Service. Always On.

Building Financial Trust, One Loan at a Time.