Urgent Fund is not a bank. © 2025 Urgent Fund Operating LLC. All Rights Reserved.

All payments and transactions on Urgent Fund Limited are securely processed through Paystack, our trusted payment partner. Urgent Fund Limited does not issue debit cards or operate as a bank.

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1. Urgent Fund Limited is not a bank. All financial support and savings services are provided directly by Urgent Fund Limited. Loans are offered based on a client's 3-month completed savings and orientation program. Loan amounts typically range from ₵20,000 and are disbursed based on the total amount saved — no collateral required. Not all applicants may qualify for the full amount. Clients must complete the 3-month savings cycle and meet participation requirements to be eligible for funding. Loan repayment includes a 10% interest on the first half of the loan, due within 3 months. No hidden fees or penalties apply. Mobile banking is the only accepted payment method. Terms and conditions apply.

2. Early access to loans depends on the completion of the 3-month savings cycle and all required onboarding steps. Once eligibility is confirmed, funds may be disbursed within minutes, subject to verification and mobile payment processing times.

3. Rates accurate as of 10/1/2024. Loan interest rates and savings terms are fixed but may be updated at the sole discretion of Urgent Fund Limited. There is no minimum deposit requirement to begin saving, but clients must complete the 3-month savings plan to qualify for loan disbursement. Fees or early withdrawals may affect eligibility and returns.

4. Out of network fees may apply.

5. Urgent Fund Limited operates independently of any bank, and funds are protected through encrypted mobile payment platforms. For more details on our savings and loan procedures, please refer to our Terms and Conditions.