KASHFLO CARDS & CREDIT
Kashflo’s credit and card services are designed to meet users where they are — especially those who have been underserved, overcharged, or overlooked by traditional banks. From flexible digital loans and BNPL, to dollar and naira cards that work globally, we help you transact, borrow, and manage money with fewer barriers and more control.
Spend Anywhere
CARDS
Kashflo offers a full suite of cards — virtual and physical, Naira and Dollar — to give you seamless access to your money. Pick up a physical card the same day at a Kashflo pickup point. Whether you’re shopping online, managing your subscriptions, or transacting internationally, our cards are secure, smart, and fully controlled from your dashboard.
01
Naira Virtual Card
Instant payments for local online stores, apps, and subscriptions. Funded directly from your NGN wallet.
02
Dollar Virtual Card
Ideal for international spending — shopping, streaming, subscriptions, travel. Spend in USD without hidden conversion fees.
03
Instant Physical Debit Card
Accepted nationwide in stores and ATMs. Comes with security features like freeze/unfreeze, PIN reset, and usage alerts.
- Instant Embossed Physical debit card
- Freeze or unfreeze instantly
- Card Controls & Security
- Set spending limits and monitor usage
- Receive real-time alerts
- PIN reset and 24/7 access lock
- PCI-DSS compliant infrastructure
Why Choose Kashflo Cards
Naira + Dollar coverage
shop locally and globally
Instant issuance
get virtual cards in seconds
Full control
real-time settings from your dashboard
Rewarded usage
with cashback and waived fees for active users
Spend with confidence
CREDIT
At Kashflo, we understand that many people cannot access a reliable the credit system — not because they’re untrustworthy, but because the system wasn’t designed for them. Our credit products are made to be flexible, accessible, and structured around your financial behavior and life context — not arbitrary scores.
We don’t offer debt traps. We offer a plan.
01
Digital Loans
Access fast, flexible loans right from your Kashflo wallet. Repayment schedules are tailored to your income pattern and wallet activity.
02
Buy Now, Pay Later (BNPL)
Split eligible purchases into manageable parts — with upfront clarity on repayment dates and amounts.
03
Debt Recovery & Intervention Support
We offer structured help for users facing repayment stress. We help you stabilize and get back on track.
Why Kashflo Credit
- Flexible repayment terms that align with your cash flow
- No hidden penalties or rollover traps
- Path to eligibility for advanced financial products
Kashflo credit is designed to be accessible, flexible, and grounded in your real financial behavior — not arbitrary scores or paperwork barriers. We take a more accurate view of your financial activity and offer credit options that adapt to your needs and repayment capacity.
If you’re facing financial pressure, our approach is structured to help you recover, not penalize you further. With clear terms, transparent communication, and support where needed, Kashflo gives you the opportunity to borrow responsibly and rebuild with confidence.
Consistent use of Kashflo’s credit services also opens the door to more advanced tools — including business financing, advisory, and larger loan products — as your trust and track record grow.
Ready to take control of your money?
Open your Kashflo account to access flexible credit, secure cards, and the tools to manage your finances on your own terms. No hidden conditions.