Citihoms Credit Facilities

Select Your Loan Facility

Choose between Public Sector Civil Service Facilities or Corporate & SME Business Financing to calculate eligibility and submit your application.

Federal Facility (Citihoms Prime)

WACS (Federal MDAs, Customs, Immigration, FRSC, NSCDC, Correctional, FCTA) & Police (NPF)

Specialized financing framework for Federal civil servants and security agencies with instant formula calculations and direct IPPIS/remittance support.

Ministries, Police & Correctional: 3.0% monthly flat rate
NSCDC, Customs & Immigration: 3.5% monthly flat rate
Flexible repayment tenors: 1 to 24 Months
No physical collateral or complex guarantors required

State Facility (State Public Service)

Lagos, Oyo, Kwara, Ogun, Plateau, Osun, Kaduna, Anambra, Enugu, Delta, Abia

Comprehensive loan facilities configured for State Ministries, Local Government Councils (LG), Education Boards (SUBEB/TESCOM), Health Boards (OYSHMB), Traffic Agencies (OYRTMA), and State Safety Corps (LNSC).

Lagos State: Active, LG / LCDAs, SUBEB & LNSC
Oyo State: TESCOM, OYSHMB, OYRTMA & Univ of Ibadan
Kwara State: KS Aviation College, Civil Service, LG Commission
Ogun & Other States: State Civil Service & SUBEB

Corporate / SME Loan

Registered Businesses, Limited Liability Companies & SMEs

Specialized credit solutions, working capital financing, contract finance, and SME term loans tailored to power registered businesses across Nigeria.

Eligible Entities: Registered Enterprises, LTDs, LLPs & SMEs
Key Hubs: Lagos, Abuja & Nationwide Commercial Hubs
Flexible Tenors: Tailored repayment tenors up to 12 months
Collateral Options: Real estate, vehicles, stock lien, or guarantees

Citihoms Loan Application

FACILITY

Public Service Loan Facility • Fast, Transparent & Flexible

Personal Information

Section 1 of 4

Title

First Name *

Last Name *

Middle Name

Date of Birth * Format: DD/MM/YYYY

State of Origin

Home Address * Please ensure this is a physical, verifiable residential address

Bank Verification Number (BVN) * 11 numeric digits

National Identification Number (NIN) * 11 numeric digits

Primary Phone Number *

+234

Email Address *

Next of Kin Full Name *

Relationship with Next of Kin *

Next of Kin Phone Number *

+234

Employment Details

Section 2 of 4

Date of Employment *

Date of Retirement *

Employer Category (WACS / NPF / Security) *

Tertiary Institution Type

Institution Name

FCTA Department / Board

Police Command / Formation

Military Branch

Service Number

Ministry / Agency / Parastatal Name

Specify Other MDA / Agency Name

Staff ID / Service Number *

IPPIS

Loan Eligibility & Repayment Calculator

Section 3 of 4

Net Monthly Salary (₦) *

₦

Enter your take-home monthly salary after statutory deductions

Preferred Loan Tenor * Select loan repayment duration

Instant Eligibility Breakdown

Federal Ministries & Police: 3.0% Monthly Flat Rate

Applied Monthly Rate: 3.0% per month

Principal Repayment: ₦0/mo

Maximum Eligible Loan

₦0

Monthly Repayment

₦0

Total Repayment

₦0

Total Interest

₦0

DLM Formula: Monthly Principal = Loan ÷ Tenor | Monthly Interest = Loan × Rate | Monthly Repayment = Principal + Interest

Note: 2.5% upfront charge for advisory and management fee.

Loan Amount Requested (₦) *

₦

Purpose of Loan *

Attachments & Signature

Section 4 of 4

Passport Photograph

Upload Photo

Recent colored passport photo

Government-Issued ID

Government ID

e.g. NIN Slip, Driver's License, Int'l Passport, Voter's Card

Work / Official ID Card

Staff ID Card

Official work/service ID (front & back)

Recent Payslip / Bank Statement

Payslip / Statement

Showing payroll ID / Oracle / 3 months

Letter of Appointment / Employment

Appointment Letter

Official letter of appointment or confirmation

Business & Promoter Information

SME Section 1 of 3

Customer Name (Director / Owner) * Name of Managing Director or Principal Business Promoter

Business Name * Official / Trade Name of the Enterprise

Contact Phone Number *

Official Email Address *

Is the Business Registered? *

YES (Registered with CAC) NO (Unregistered Enterprise)

Business Type *

CAC / RC / BN Registration Number * Corporate Affairs Commission registration identifier

Year / Date of Incorporation

Specify Business Type *

Location *

Business / Office Physical Address *

Credit Request & Collateral Security

SME Section 2 of 3

Loan Amount (₦) *

₦

Requested corporate facility amount

Tenor *

Specify Custom Tenor *

Available Collateral / Security Type *

Collateral Description & Asset Details * State details of assets or security pledged for this facility

Purpose of Loan *

Account Officer * Name of your Citihoms Relationship Manager or Account Officer

Supporting Documents & Attachments

SME Section 3 of 3

CAC Registration Document

CAC Document

Certificate / Form CAC 1.1 / BN Status

Corporate Bank Statement

Bank Statement

Recent 6–12 months PDF statement

Director / Owner Valid ID

Director Valid ID

NIN Slip, Driver's License, Passport

Collateral Asset Document

Collateral Proof

Title deed, logbook, invoice, guarantee

Letter of Appointment / Authority

Appointment Letter

Official letter of appointment or board resolution

Applicant Digital Signature *

Sign using mouse, stylus, or finger

Fund Transfer Details

Step 2 of 2

Please provide the salary account details where approved loan proceeds will be disbursed.

Salary Account Number (NUBAN) * Must match your payroll salary account

Disbursal Bank *

Account Holder Name *

Declaration & Terms

I confirm that the information given in this form is true, complete, and accurate.

I confirm that I have read and understood Citihoms Finance Company ("Citihoms") Terms and Conditions Governing the Operations of Loan Account and agree to abide and be bound by these terms and conditions.

I agree that Citihoms may vary, alter and amend any terms and conditions in its sole discretion. Copies of all terms and conditions are available at our office or online at https://citihoms.com/terms.html.

I understand that my submission of this application and acceptance of this application by Citihoms Finance Company shall in no way be construed as approval of my application and that the Institution reserves the right not to approve this application without giving any reasons whatsoever.

Fee Notice: Please note that a 2.5% upfront charge applies for advisory and management fee upon loan approval and disbursement.

I have read, understood, and accept Citihoms Terms & Conditions Governing Loan Accounts. *

Application Summary Review

Applicant Full Name	-
Phone Number	-
Next of Kin	-
Facility Type	-
Employer / State Entity	-
Staff / Service ID	-
Date of Retirement	-
Declared Net Salary	-
Maximum Eligible Limit	-
Requested Loan Amount	-
Tenor Duration	-
Applied Interest Rate	3.0% Monthly Flat Rate
Principal Repayment	-
Monthly Interest	-
Estimated Monthly Repayment	-
Total Repayment	-
Advisory & Management Fee	2.5% Upfront Charge
Disbursement Bank & Account	-

Important Notice: 2.5% upfront charge for advisory and management fee.

Customer / Director Name	-
Business Name	-
Contact Phone & Email	-
Registration Status	-
Business Type / Sector	-
Operating Location	-
Business Physical Address	-
Requested Loan Amount	-
Requested Tenor	-
Collateral Offered	-
Purpose of Loan	-
Citihoms Account Officer	-
Advisory & Management Fee	2.5% Upfront Charge
Disbursement Bank & Account	-