LOAN CALCULATOR 

Estimate your potential repayment structure based on your selected loan amount, repayment duration, and applicable tier structure. Please note that all final approvals and repayment terms are subject to verification and assessment.

Loan Duration Interest Rate
4 Weeks Tier-Based
8 Weeks Tier-Based
12 Weeks Tier-Based
16 Weeks Tier-Based
20 Weeks Tier-Based
Tier System Maximum Duration
Tier 1 - 2 4 - 8 Weeks
Tier 3 4 - 12 Weeks
Tier 4 - 6 4 - 16 Weeks
Tier 7 - 10 4 - 20 Weeks


REPAYMENT STRUCTURE & INTEREST RATE (%)

Tier 1 (Up to ₦20,000)

Loan Details – ₦20,000

15% over 4 Weeks

30% over 8 Weeks

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Option A – 4 Weeks
• Loan Amount: ₦20,000
• Interest: 15% (₦3,000)
• Total Repayment: ₦23,000
• Weekly Repayment: ₦5,750

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Option B – 8 Weeks
• Loan Amount: ₦20,000
• Interest: 30% (₦6,000)
• Total Repayment: ₦26,000
• Weekly Repayment: ₦3,250

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TIER PROGRESSION REQUIREMENTS:

1 successful TIER 1 repayments required to unlock Tier 2.

No missed payments 

No active overdue payments

Borrower score MUST remain in good standing

Tier 2 (Up to ₦30,000)

Loan Amount: ₦30,000

15% over 4 Weeks

30% over 8 Weeks

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Option A – 4 Weeks

• Interest: 15% (₦4,500)
• Total Repayment: ₦34,500
• Weekly Repayment: ₦8,625

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Option B – 8 Weeks

• Interest: 30% (₦9,000)
• Total Repayment: ₦39,000
• Weekly Repayment: ₦4,875

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TIER PROGRESSION REQUIREMENTS 

1 successful TIER 2 repayment required to unlock Tier 3.

No missed payments 

No active overdue payments

Borrower score MUST remain in good standing

Tier 3 ( Up to ₦50,000)

Loan Amount: ₦50,000

15% over 4 Weeks
20% over 8 Weeks
25% over 12 Weeks

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Option A – 4 Weeks

• Interest: 15% (₦7,500)
• Total Repayment: ₦57,500
• Weekly Repayment: ₦14,375

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Option B – 8 Weeks

• Interest: 20% (₦10,000)
• Total Repayment: ₦60,000
• Weekly Repayment: ₦7,500

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Option C – 12 Weeks

• Interest: 25% (₦12,500)
• Total Repayment: ₦62,500
• Weekly Repayment: ₦5,208.33

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TIER PROGRESSION REQUIREMENTS 

2 successful TIER 3 repayments required to unlock Tier 4

No missed payments

No active overdue payments

Borrower score MUST remain in good standing

Tier 4 (Up to ₦75,000)

Loan Amount: ₦75,000

15% over 4 Weeks
20% over 8 Weeks
25% over 12 Weeks
30% over 16 Weeks

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Option A – 4 Weeks

• Interest: 15% (₦11,250)
• Total Repayment: ₦86,250
• Weekly Repayment: ₦21,562.50

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Option B – 8 Weeks

• Interest: 20% (₦15,000)
• Total Repayment: ₦90,000
• Weekly Repayment: ₦11,250

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Option C – 12 Weeks

• Interest: 25% (₦18,750)
• Total Repayment: ₦93,750
• Weekly Repayment: ₦7,812.50

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Option D – 16 Weeks

• Interest: 30% (₦22,500)
• Total Repayment: ₦97,500
• Weekly Repayment: ₦6,093.75

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TIER PROGRESSION REQUIREMENTS 

2 successful TIER 4 repayments required to unlock Tier 5

No missed payments 

No active overdue payments

Borrower score MUST remain in good standing

No late payments or payment extensions during the qualification period.

Tier 5 (Up to ₦100,000)

Loan Amount: ₦100,000

15% over 4 Weeks
20% over 8 Weeks
25% over 12 Weeks
30% over 16 Weeks

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Option A – 4 Weeks

• Interest: 15% (₦15,000)
• Total Repayment: ₦115,000
• Weekly Repayment: ₦28,750

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Option B – 8 Weeks

• Interest: 20% (₦20,000)
• Total Repayment: ₦120,000
• Weekly Repayment: ₦15,000

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Option C – 12 Weeks

• Interest: 25% (₦25,000)
• Total Repayment: ₦125,000
• Weekly Repayment: ₦10,416.67

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Option D – 16 Weeks

• Interest: 30% (₦30,000)
• Total Repayment: ₦130,000
• Weekly Repayment: ₦8,125

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TIER PROGRESSION REQUIREMENTS 

3 successful TIER 5 repayments required to unlock Tier 6

No missed payments

No active overdue payments

Borrower score MUST remain in good standing

No late payments or payment extensions during the qualification period.

Tier 6 (Up to ₦150,000)

Loan Amount: ₦150,000

15% over 4 Weeks
20% over 8 Weeks
25% over 12 Weeks
30% over 16 Weeks

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Option A – 4 Weeks

• Interest: 15% (₦22,500)
• Total Repayment: ₦172,500
• Weekly Repayment: ₦43,125

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Option B – 8 Weeks

• Interest: 20% (₦30,000)
• Total Repayment: ₦180,000
• Weekly Repayments: ₦22,500

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Option C – 12 Weeks

• Interest: 25% (₦37,500)
• Total Repayment: ₦187,500
• Weekly Repayment: ₦15,625

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Option D – 16 Weeks

• Interest: 30% (₦45,000)
• Total Repayment: ₦195,000
• Weekly Repayment: ₦12,187.50

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TIER PROGRESSION REQUIREMENTS 

3 successful TIER 6 repayments required to unlock Tier 7

No missed payments 

No active overdue payments

Borrower score MUST remain in good standing

No late payments or payment extensions during the qualification period.

Tier 7 (Up to ₦250,000)

Loan Amount: ₦250,000

10% over 4 Weeks
15% over 8 Weeks
20% over 12 Weeks
25% over 16 Weeks

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Option A – 4 Weeks

• Interest: 10% (₦25,000)
• Total Repayment: ₦275,000
• Weekly Repayment: ₦68,750

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Option B – 8 Weeks

• Interest: 15% (₦37,500)
• Total Repayment: ₦287,500
• Weekly Repayment: ₦35,937.50

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Option C – 12 Weeks

• Interest: 20% (₦50,000)
• Total Repayment: ₦300,000
• Weekly Repayment: ₦25,000

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Option D – 16 Weeks

• Interest: 25% (₦62,500)
• Total Repayment: ₦312,500
• Weekly Repayment: ₦19,531.25

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Option E – 20 Weeks

• Interest: 30% (₦75,000)
• Total Repayment: ₦325,000
• Weekly Repayment: ₦16,250

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TIER PROGRESSION REQUIREMENTS 

4 successful TIER 7 repayments required to unlock Tier 8

No missed payments 

No active overdue payments

Borrower score MUST remain in good standing

No late payments or payment extensions during the qualification period.

Tier 8 (Up to ₦500,000)

Loan Amount: ₦500,000

10% over 4 Weeks
15% over 8 Weeks
20% over 12 Weeks
25% over 16 Weeks

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Option A – 4 Weeks

• Interest: 10% (₦50,000)
• Total Repayment: ₦550,000
• Weekly Repayment: ₦137,500

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Option B – 8 Weeks

• Interest: 15% (₦75,000)
• Total Repayment: ₦575,000
• Weekly Repayment: ₦71,875

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Option C – 12 Weeks

• Interest: 20% (₦100,000)
• Total Repayment: ₦600,000
• Weekly Repayment: ₦50,000

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Option D – 16 Weeks

• Interest: 25% (₦125,000)
• Total Repayment: ₦625,000
• Weekly Repayment: ₦39,062.50

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Option E – 20 Weeks

• Interest: 30% (₦150,000)
• Total Repayment: ₦650,000
• Weekly Repayment: ₦32,500

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TIER PROGRESSION REQUIREMENTS 

Available by INVITATION ONLY

Minimum of 4 successful TIER 7 repayments.

No late payments or payment extensions during the qualification period.

Subject to account review.

Tier 9 (Up to ₦750,000)

Loan Amount: ₦750,000

10% over 4 Weeks

15% over 8 Weeks

20% over 12 Weeks

25% over 16 Weeks

⸻

Option A – 4 Weeks

• Interest: 10% (₦75,000)

• Total Repayment: ₦825,000

• Weekly Repayment: ₦206,250

⸻

Option B – 8 Weeks

• Interest: 15% (₦112,500)

• Total Repayment: ₦862,500

• Weekly Repayment: ₦107,812.50

⸻

Option C – 12 Weeks

• Interest: 20% (₦150,000)

• Total Repayment: ₦900,000

• Weekly Repayment: ₦75,000

⸻

Option D – 16 Weeks

• Interest: 25% (₦187,500)

• Total Repayment: ₦937,500

• Weekly Repayment: ₦58,593.75

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Option E - 20 Weeks

• Interest: 30% (₦225,000)
• Total Repayment: ₦975,000
• Weekly Repayment: ₦48,750

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TIER PROGRESSION REQUIREMENTS 

Available by INVITATION ONLY.

Minimum of 4 successful TIER 8 repayments.

Affordability assessment required.

Subject to SureFlow Finance approval.

Tier 10 (Up to ₦1,000,000 and Above)

Loan Amount: ₦1,000,000

10% over 4 Weeks
15% over 8 Weeks
20% over 12 Weeks
25% over 16 Weeks

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Option A – 4 Weeks

• Interest: 10% (₦100,000)
• Total Repayment: ₦1,100,000
• Weekly Repayment: ₦275,000

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Option B – 8 Weeks

• Interest: 15% (₦150,000)
• Total Repayment: ₦1,150,000
• Weekly Repayment: ₦143,750

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Option C – 12 Weeks

• Interest: 20% (₦200,000)
• Total Repayment: ₦1,200,000
• Weekly Repayment: ₦100,000

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Option D – 16 Weeks

• Interest: 25% (₦250,000)
• Total Repayment: ₦1,250,000
• Weekly Repayment: ₦78,125

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Option E - 20 Weeks

• Interest: 30% (₦300,000)
• Total Repayment: ₦1,300,000
• Weekly Repayment: ₦65,000

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TIER PROGRESSION REQUIREMENTS 

Available by INVITATION ONLY.

Minimum of 4 successful TIER 9 repayments.

Exceptional repayment history required.

Subject to SureFlow Finance approval.


TIER PROGRESSION & ELIGIBILITY 

Progression through loan tiers is not automatic. Advancement is subject to satisfactory repayment history, affordability assessments, account conduct, verification checks, and final approval by SureFlow Finance.

Repayment extensions may be considered in genuine circumstances; however, extensions are not guaranteed and remain entirely at the discretion of SureFlow Finance.


IMPORTANT TIER INFORMATION 

• Borrowers may only progress one tier at a time.
• Late or missed payments may delay or prevent tier progression.
• Tier eligibility is determined by repayment history, borrower score, affordability assessments, and overall account conduct.
• SureFlow Finance reserves the right to review, suspend, restrict, or adjust tier eligibility at any time.
• Loan facilities above ₦500,000 are available by invitation only and are subject to enhanced assessment and additional review requirements.