visit any of our closest branch.

Interest rate varies from 5% to 9% depending on the loan product

1. Four(4) passport photograph (both applicant and guarantor).
2. You must have a business
3. Mode of identity (drivers license, voters card, international passport places, BVN)
4. A guarantor (a business person or salary earner).
5. Account statement for employee loans.

You can get as low as 20,000 and as high as 1 million subject to assessment.

1. You can make transfer from correspondent (other banks to your Gemstone account).
2. Payment can be made in in any of our branches.
3. Payment can be made through our field canvassers.

No. family members may not be used as guarantors

While we encourage you to save for a brighter future, you do not have to save before applying for a loan.

Yes Gemstone gives out loans to Salary earners