Lend Money.
See Who Pays Back.

Every loan tracked. Every payment builds reputation.
Good borrowers shine. Smart lenders stay safe.

Get Started Free See How It Works
Every Payment Tracked
Public Credit Scores
Build Trust Fast

How It Works

Two sides. One transparent system.

For Lenders

1

Check Their Score

See payment history before lending

2

Set Your Terms

Amount, rate, and repayment date

3

Get Paid Back

Automatic tracking and reminders

Start Lending

For Borrowers

1

Start Small

Borrow from friends to build credit

2

Pay On Time

Every payment boosts your score

3

Access Better Rates

Good score = more lenders compete

Start Building Credit

Your Credit Score: Transparent & Fair

Based on: on-time payments, total repaid, payment history, and lender reviews. Everyone starts fresh. Every good action builds trust.

✓ Pay on time

Score increases. More lenders trust you. Better rates available.

✗ Miss payments

Score drops. Lenders see history. Harder to borrow next time.

Fair system. Transparent tracking. Your actions determine your opportunities.


Your Reputation is Your Currency

Pay on time → Score increases → Better access
Miss payments → Score drops → Harder to borrow

A
Adebayo
Lagos

"My brother owed me ₦80k for 6 months. Put it on Urgent2K. He paid in 2 weeks. 😂"

C
Chioma
Abuja

"Borrowed ₦50k from a stranger. They saw my 5-star rating and trusted me immediately."

E
Emeka
Port Harcourt

"Started with ₦10k. Built 5-star rating. Now I borrow ₦100k easily. My score speaks for me."

Auto Reminders

We remind borrowers. You don't chase.

Public Scores

See who pays before you lend.

Verified IDs

Everyone is KYC verified.

Your Terms

Set your own rates and dates.

Full History

Every loan tracked forever.

24/7 Support

We're here when you need help.

Common Questions

What if they don't pay?
It's marked on their record. Their score drops. Future lenders see it. Much harder for them to borrow again.
Do you lend the money?
No. We're the platform. You lend directly to each other. We just track everything and manage reputations.
One late payment = forever ruined?
No. Your pattern matters. One late payment with 10 on-time? Lenders see you're reliable. Pay it back and keep building.
Can I lend to strangers safely?
Yes! That's the power of reputation. Start by checking their score. See their payment history. Read reviews from other lenders. Only fund people with proven track records. Diversify by lending small amounts to many people.
How do I start with zero credit?
Borrow small from friends. Pay early. Each successful loan builds your score. After 3-5 loans, strangers trust you.

Ready to Start?

Lend with confidence. Borrow with proof.

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