AAB Credit Terms and Conditions

1. Eligibility

To apply for a loan, you must:

• Be at least 18 years old.
• Be legally resident in Nigeria.
• Provide accurate and complete information.
• Possess a valid Bank Verification Number (BVN) and National Identification Number (NIN).

2. Loan Application

Submitting an application does not guarantee approval. Every application is subject to identity verification, credit assessment, affordability checks, and internal risk review.

3. Loan Approval

AAB Credit reserves the right to approve or decline any application at its sole discretion. Loan amounts, repayment periods, and applicable charges will be communicated before loan disbursement.

4. Repayment

Borrowers agree to repay the loan according to the agreed repayment schedule. Late repayment may attract additional charges as permitted by applicable law and may be reported to licensed credit bureaus.

5. Customer Responsibilities

You agree to:

• Provide truthful information.
• Keep your login credentials secure.
• Notify us promptly of any unauthorized account activity.
• Repay all loans as agreed.

6. Fraud

Providing false information, impersonation, document forgery, or any fraudulent activity may result in rejection of your application, account suspension, legal action, and reporting to relevant authorities.

7. Privacy

Your personal information will be collected, processed, and protected in accordance with our Privacy Policy.

8. Changes

AAB Credit may update these Terms and Conditions at any time. Continued use of the platform constitutes acceptance of the revised Terms.

9. Contact

For enquiries or complaints, contact: