Loan products
Four ways across the gap.
Each Gap Castle loan is built around one real situation — a school term, a journey, a month that runs short, a business that needs stock. Find yours, then apply in about five minutes.
At a glance
Which loan fits your situation?
| Product | Best for | Covers | Repayment | Paid to | Apply |
|---|---|---|---|---|---|
| 01School Fee Loan | Parents & guardians | Primary and secondary school fees | Term-by-term instalments | Directly to the school | |
| 02Travel Loan | Students, professionals & families | Tickets, visas, insurance, proof of funds | Flexible instalments | Your travel plan | |
| 03Personal Loan | Salary earners | Rent, medical bills, urgent obligations | Monthly, in step with salary | Your account | |
| 04Business & SME Loan | Traders, artisans & SMEs | Stock, equipment, working capital | Agreed with your loan officer | Your business account |
24hrs
average time to disbursement
01 — Education
School Fee Loan
We partner directly with private primary and secondary schools across Nigeria. The school is paid in full and on time; you repay in instalments that respect the family budget.
- Paid direct to the school — No cash handling, no awkward conversations at the gate.
- Term-by-term repayment — Instalments timed to the school calendar and your income.
- Low rates, minimal documents — Built for salary earners and self-employed parents alike.
100%
of the trip covered — not just the ticket
02 — Travel
Travel Loan
Study abroad, business trips, family visits or medical travel. We cover the real cost of getting there, including proof-of-funds support, and you repay in comfortable instalments.
- Flights, visas & insurance — One facility covering the full cost of departure.
- Proof of funds (POF) — Structured support for student and visitor visa requirements.
- Flexible tenure — Repayment plans matched to your income, not a fixed template.
< 24hrs
from application to decision
03 — Everyday
Personal Loan
Designed for salary earners who need money quickly and want a repayment plan that is finished, not endless. Simple process, honest rate, monthly repayment.
- Monthly repayment — Deducted in step with your salary cycle.
- No endless paperwork — A short form and basic verification — that is it.
- Clear total cost — You see what you will repay before you sign anything.
₦3m+
sourced through partner lenders
04 — Enterprise
Business & SME Loan
Financing up to ₦3,000,000 at competitive rates for stock, equipment and working capital — with larger facilities sourced through our partner banks and finance houses.
- Up to ₦3,000,000 direct — Stock, equipment and working capital from our own books.
- Above ₦3m via partners — Term loans, overdrafts, invoice discounting, LPO and more.
- Rate negotiated for you — We shop the structure so you are not doing it alone.
Need more than ₦3,000,000?
We take larger business requirements to our partner banks and finance houses — and negotiate the structure for you.
Questions
Before you apply.
How quickly will I receive the money?
Applications are reviewed the same working day. Once a loan is approved, funds are disbursed within 24 hours — to the school, your travel plan, or your account.
Who can apply?
Individuals aged 18 and over, and businesses operating in Nigeria. You can apply in your own name or on behalf of your company. Travel loans can be processed for Nigerians within and outside the country.
Do you really pay the school directly?
Yes. Gap Castle partners with private primary and secondary schools, and school fee loans are paid directly to the school so your child’s place is secured.
My business needs more than ₦3,000,000. Can you help?
Yes. We fund up to ₦3,000,000.
What documents will I need?
It depends on the type of loan and the amount. Your loan officer confirms the exact list after you apply — you do not upload anything on the form from the website.
Can I apply in person instead?
Of course. Kindly visit our office at 29b Olorunnimbe Street, Wemabod Estate, off Adeniyi Jones, Ikeja, Monday to Friday between 9am and 4pm.