Instead of sending money, make it work for you back home, and earn cashback

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Avoid the FX worries and constant transfers. Get instant access to a short term loan or revolving line of credit to fund your personal and business needs back home. Earn up to 5% cashback when you transact. Download the App to see your loan options.

How it works in 3 simple steps

Select a loan

Select a loan from one of our bank partners. 

Top up SympliFi wallet

Top up your wallet for the collateral amount to secure the loan. It securely stays in your wallet accruing cash back.

Loan disbursed

Bank will email you the loan offer to accept. Funds are disbursed to your bank account back home.

Get continuous access to cash 

One collateral provides unlimited access to credit, giving you a revolving line of credit back home. Borrow and repay as many times as you need. 

No cross border transfers

Keep your money where you are and invest back home, without the worries of FX devaluations.  

Earn cashback instead of fees

As the loan is repaid we release the collateral back to you plus up to 5% cash back on your collateral.

Keep your money and move it for free

You can freely move any available balance in your wallet to any U.K. or E.U. bank account for free!

Medical insurance, improve the health care of the family members

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Download the App to get started

Download the free App and get a £/€5 reward on the first amount you add to your SympliFi account!

Our Lending Partners

We only partner with accredited and regulated lenders.

Nigeria
Alert MFB

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

Grooming MFB

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

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

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

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

Common asked questions

Why is a refundable collateral required?

It provides security for the bank issuing the loan and helps you get easier access at better terms. When the loan is repaid, you can freely access the collateral in your wallet. We have no additional recourse against you beyond the collateral and your credit score is never impacted.
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Who issues the loans?

We work with regulated and licensed lending partners in your home country that partner with SympliFi to extend loans to individuals in the diaspora and their loved ones back home.
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How do I repay the loan?

You are responsible for repaying the loan directly to the bank that issues you the loan. The bank will provide the repayment details when you accept the loan offer.
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What happens if I can’t repay the loan?

The amount owed to the bank is deducted from your collateral and we transfer it to the bank. Any balance is released back to you in your SympliFi wallet. There is no additional recourse against you beyond the collateral and your credit score is never impacted.
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How does the cash back work?

You will earn up to 5% cash back on the collateral amount held in your wallet, every time you borrow and repay a loan. The collateral is paid directly in your wallet.
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