Simple. Transparent. Secure
Innovative Methods of Microfinancing
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Low. Flexible. Interest
Agro-Financing & Agro Equipment Loan
Get Started Today !

A quick & transparent process

We have a simple online application:


Check your rates

It takes just a few minutes to provide us with your information.


Signup Online

Using our secure application, you can e-sign your contract if pre-approved. Trust & security is our #1 priority.


Fast Disbursement

Money can be directly deposited into your bank account as soon as the next business day.

Loan Rate

₦10,000 ₦100,000
1 months12 months
Your repayments are every months at
Total you will Pay:

Things to know about us

Transparent Service, Loans and investment we offer 

Our Services

Explore All our Services and Accounts we offer 

Montly or Daily Loan

The maximum Loan Disbursement is NGN 200,000 - 500,000, with interest from 5% monthly.

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Agro-equipment Loan

Farm tools and food processing equipment only. Collateral shall be the equipment purchased.

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Employee Loan

Loan for Salaried employee, Maximum Loan Disbursement shall be 100% of the customer's salary.

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Daily Contribution Account

Charged is 2.9% Per Month of the total savings for a particular month. Daily Savings Account.

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Everyday Savings

Gemestone Daily Savings account for Member.Attract interest rate of 4% per annum

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Target Savings Account

Save weekly or monthly towards a huge project Minimum is N5,000. Earn up to 7% interest.

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Capital Investor Account

Earn up to 18% Per Annum. Interest is payable monthly, quarterly, or semi-annually.

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Premium Investor Account

Earn 36% Per Annum or 3% Per Month Interest Rate. Minimum Tenor is 24 months.

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Mudaraba Investor Account

This Investor Account is a profit-sharing Scheme for Registered Member Up to 43% Profit.

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Our Milestone at Glance

₦1.2 Billion

Loans have been approved since 2019

27,000 +

Happy Customer with Satisfactory

98% Customer Satisfactory

You’re in good company

farmer testimonial
Gemstone dеlіvеrеd еxасtlу whаt thеу offered. Nоt only dіd thеу оffеr uѕ a better rate.
Farm Manager
I was іmрrеѕѕеd with the соnvеnіеnсе and very hеlрful сuѕtоmеr service.
Fashion Designer
Gemstone provide me a best rate compare to rest of the bank i visited on Lagos Street.
Retail Store Owner
Dесlіnеd bу my local bаnk for a lоаn, I аm vеrу grаtеful tо Gemstone!.
Eesha Supermarket

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