Fast, secure loans backed by your assets
Transparent, collateral-backed loans at a flat 15% monthly rate. We accept cars, gold, and laptops — with same-day evaluation and funding straight to your bank account.
- ₦500M+
- Disbursed to date
- Same-day
- Approval decisions
- 15%
- Flat monthly rate
- 1,200+
- Customers served
Your Trusted Partner for Short-Term Capital
Experience a professional lending process built on speed, transparency, and trust.
Licensed & Regulated
We are a fully licensed money lender operating in compliance with FCT authorities.
Physical Office
Visit our professional office in Apo, Abuja for in-person verification and support.
Same-Day Decisions
Our efficient process ensures rapid, often same-day, loan approvals.
Transparent 15% Rate
A simple, flat 15% monthly interest rate.
Secure Asset Custody
Your collateral is insured and safely stored in our secure, monitored facilities.
Flexible 30-Day Term
Manageable 30-day loan terms with the possibility of renewal on request.
Flexible Loan Options for Individuals & Businesses
From fast collateral-backed loans to working capital for your business — we offer competitive terms and fast processing for every need.
SME Growth Loans
Working capital for verified business owners
A ₦500,000 capital injection with no physical collateral — backed by a verified guarantor and repayable over 6 months. Built for shop owners, vendors, and service businesses ready to scale.
Principal
₦500,000
Term
6 months
Collateral
Guarantor-backed
- ₦500,000 capital injection for verified business owners
- No physical collateral required — backed by a verified guarantor
- 6-month repayment term with predictable monthly installments
Car Loans
- Up to 60% of your car's value
- Secure, monitored vehicle storage
- Quick same-day disbursement
Gold Loans
- Based on purity, weight, and market rate
- Stored in our insured on-site vault
- Confidential and immediate funding
Laptop Loans
- For modern, high-value laptops
- Proof of purchase required
- Fast evaluation and payment
A Simple, Four-Step Process
Get the funds you need quickly and securely. Here’s how our process works from start to finish.
Apply Online
Submit our simple form with your basic info, ID, and collateral details.
Verify & Value
We dispatch an expert for physical inspection. The ₦10,000 fee covers their travel logistics and time, ensuring an accurate valuation.
Sign & Get Funds
Sign the loan agreements, and we send the funds directly to your bank account.
Repay & Reclaim
Repay your loan within 30 days to reclaim your asset. We also consider renewal requests.
Clear Terms, Fair Pricing
We believe in complete transparency. Our pricing is simple and straightforward.
Interest Rate
Flat 15% for the 30-day term.
Loan-to-Value (LTV)
Up to 60% of verified asset value.
Inspection Fee
Non-refundable ₦10,000 for verification.
Late Fee
5% per week on the outstanding balance.
Trusted by Nigerians Like You
See why hundreds of business owners and individuals choose Surge Loans for their emergency funding needs.
"I was skeptical about leaving my MacBook, but the secure storage at their office convinced me. The process was incredibly fast—I walked out with cash in less than 45 minutes. Highly customized for freelancers like me."
Chinedu O.
"What stood out was the transparency. The 15% interest rate was exactly as advertised. Visiting their Apo office gave me peace of mind that I was dealing with a legitimate, professional company."
Mrs. Adebayo
"I needed emergency funds but didn't want to sell my jewelry. Surge Loans offered a fair valuation and treated the transaction with total privacy. Repaying and retrieving my items was seamless."
Grace E.
Loan Renewal and Refinancing
Flexible options designed to help you stay on track if you need more time.
30-Day Renewal Option
After paying the monthly interest due, you may formally request an additional 30-day term for your loan.
Refinancing Review
Borrowers in good standing can apply for loan refinancing, subject to collateral re-evaluation and eligibility.
No Hidden Costs
All fees and interest charges for loan renewals or refinancing are fully disclosed upfront for complete transparency.
- 1
Submit Request
Contact us to submit your renewal request before your original due date.
- 2
Pay Interest
Settle the 15% interest payment for the initial 30-day loan term.
- 3
Sign Agreement
Sign the updated loan agreement to formalize the new 30-day term.
- 4
Loan Continued
Your loan is successfully extended, and your collateral remains secured with us.
Disclaimer: Late repayment fees may apply if the loan is not renewed or settled by the due date. Please communicate with us proactively.
Talk to a Loan OfficerSimple Eligibility & KYC
We have a straightforward process to get you funded quickly. Please have the following ready to speed up your application.
- Valid government-issued ID (NIN, Driver’s License, etc.)
- Proof of address in Abuja (e.g., utility bill)
- The collateral item (Car, Gold, Laptop)
- Proof of ownership for the collateral
- Bank details, including BVN for verification
Use Our AI Eligibility Tool
Get an instant, preliminary eligibility check. It only takes a minute and helps you understand your options.
How We Secure Your Collateral
Your peace of mind is our priority. We take extensive measures to ensure your assets are protected, insured, and securely stored while in our care.
High-value items like gold and laptops are stored securely in our on-site, insured, and monitored vault for the entire loan duration.
Vehicles are stored in our secure, monitored, and covered facility. We document the condition and mileage upon receipt to ensure it is returned in the same state.
All assets are fully documented, and you are provided with a detailed agreement. You warrant unencumbered ownership, and we ensure all legalities are handled professionally.
Frequently Asked Questions
Have questions? We have answers. Here are some of the most common queries we receive.
Visit Our Office
We are available for in-person verification and support. Find us at our Abuja office.
Our Address
Suite 36, Purple Stone Plaza, Apo Resettlement, Abuja 900104, FCT.
Landmark: Directly Opposite Apo Fish Market.
We are in the plaza directly across the street.
Ready to Get Started?
Apply today and receive a fast decision on your 30-day collateral loan.
Use your car, gold, or laptop as collateral.
Licensed money lender in Abuja FCT.