Earn up to 5% rewards helping your community build credit

Available in the UK & EU for Nigeria

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Help people back home access a line of credit from our bank partners to keep their life and business running smoothly, anytime they need cash.

Keep your money and earn up to 5% cash rewards for empowering your community to access more financial opportunities on their own.

Get started for as little as $50. The process is secure and completed in seconds.

Help build valuable credit history at lower rates

With your help, your beneficiary has instant and continuous access to lower interest rate loans from our bank partners. As they repay, they build their credit history and qualify to access higher loan amounts from the bank.

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Earn up to 5% rewards

You will earn up to 5% on the money you keep in your SympliFi wallet to secure the line of credit. The more you help, the more you earn.

A flash notification saying "You've earned five pounds on your deposit for Stella's loan"

Keep your money and move it for free

When the beneficiary repays, you can move money from your wallet to any bank account for free or keep it in your wallet to earn more rewards.

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Your credit score is never impacted

You are only responsible for the deposit amount, nothing more! If the beneficiary defaults, we deduct the amount owed from your deposit. Your credit score is never impacted.

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How it works on the SympliFi App

A smartphone on the Symplifi app showing the set credit limit screen
Set credit limit

Set the amount you want to help your beneficiary access and the duration.

A smartphone on the Symplify app showing a successful addition of fifty seven pounds to a Symplifi wallet
Provide refundable deposit

Top-up your wallet with the refundable deposit to secure the line of credit. It stays in your wallet earning cash rewards.

A lock screen notification saying Congratulations. your loan has been disbursed
Bank provides line of credit

Your beneficiary receives an SMS from the bank to finalize the process, and starts accessing credit anytime they need cash.

What some of our customers have to say

A picture of Leonard
I used to send £500 to my cousin in Nigeria to help him with his business. I don’t do that anymore yet his business has grown 50% using SympliFi instead.
Leonard, U.K. Guarantor
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A picture of Doctor Tarebi
It is easier for me because the responsibility is on people back home to pay the bank back so nobody's asking me for any money again.
Dr. Tarebi, U.K. Guarantor
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A picture of Mojisola
The SympliFi loan is better than begging people abroad for money.
Mojisola, Borrower Nigeria
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Our lending partners

We only work with vetted partners and regulated financial institutions

Kredi logo
Kredi

A fully digitized bank and financial services company powered by Kredimoney Microfinance Bank incorporated in 2010.

Topos logo
Topos

Empowering under or unbanked communities by building the financial rails to store, manage, and use their wealth for a better future.

Alert microfinance bank logo
Alert MFB

Empowering Micro and SME entrepreneurs across Nigeria. Operating since 2014 with 11,000 customers.

Grooming microfinance bank logo
Grooming MFB

Providing financial services to people engaged in small trading and micro productive activities in Nigeria.

Growtrade logo
Growtrade

A B2B platform connecting retailers to distributors and offering financial and other tools tailored to small retailers.

Beta Store logo
Betastore

A tech-enabled B2B retail platform that helps small retailers source their inventory and access financing.

Alert MFB
Business Loan
Grooming MFB
Business loan
Educate
Business Loan
MicroHub
Business loan
Zimnat
Business loan
MCDaan
Business Loan
Baobab

Baobab is the leading microfinance bank in Senegal with 59 branches and 439 banking agents.

Beta Store logo
Betastore

A tech-enabled B2B retail platform that helps small retailers source their inventory and access financing.

Alert MFB
Business Loan
Grooming MFB
Business loan
Educate
Business Loan
MicroHub
Business loan
Zimnat
Business loan
MCDaan
Business Loan

Download the App to get started

Download the free App and start earning 5% cash rewards

Commonly asked questions

Why is a refundable deposit required?

The deposit helps provide access to a line of credit or inventory financing for family and friends back home. SympliFi holds the deposit in your wallet and notifies the bank in your beneficiary’s country. When you hold the deposit in your SympliFi wallet, your beneficiary gets instant and continuous access to lower interest rate loans. When the beneficiary repays, you can move your money to any bank account for free or keep it in your wallet to earn more rewards. Your credit score is never impacted, and if your beneficiary defaults, the amount owed to the lending partner is deducted from the deposit on hold.Learn More >

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Who issues the loans to the borrower?

We only work with vetted partners and regulated financial institutions across Africa. Financial institutions perform a quick credit check on the borrower prior to disbursement. The borrower is responsible for repaying the lender directly. If the borrower does not repay, the lender will make best efforts to collect from the borrower before they can request the deposit.
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What rewards can I earn?

You will earn up to 5% cash rewards on your refundable deposit every time you help someone access a line of credit or inventory financing. The rewards are paid directly to your wallet.
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