Frequently Asked Questions

Frequently asked question

  • What service does Glaze offer?

    Glaze offers personal loans with low interest rates and a simplified repayment structure to customers.

  • What do I need to be eligible for your loans?

    • You should be between 22 and 55 years
    • Applicant must live and/or work in Lagos State
    • Be employed (for at least 6 months) and get paid into your bank account
    • Have a good credit history
    • You must have a verifiable monthly income
    • You must have a pension account

  • How do I apply?

    To apply, logon to or visit our office located at Wuraola House, 90, Allen Avenue, Ikeja , Lagos.

  • How much can I borrow?

    You can access up to N2,000,000.00

  • What are the required documents for your loans?

    • Letter of Employment
    • Salary bank statement for the last 6 months
    • One recent passport photograph
    • Staff Identification card
    • Pension Statement or Tax ID and Employment Letter
    • Utility Bill (PHCN, Water bill, LAWMA bill OR Rent Agreement)
    • Valid Proof of Identification

  • Does Glaze require a credit check?

    Yes, your application is subject to a credit check before approval. We look at your credit score with the Nigerian Credit Bureaus, employment history, spending patterns and other factors that will show a clearer picture of your credit-worthiness and will provide you with an instant answer online.

  • Do I need to come to your office to apply?

    No, your application can be made online via our secure portal. After the application has been made, you will receive a mail from us confirming receipt of your application.

  • How can I extend my loan tenor?

    Yes, you can extend an existing facility loan tenor through a Top-up. As an existing customer, you can access a maximum tenor of 9 months.

  • What is a Top up?

    A top up is returning/increasing the balances on an existing loan facility. The existing facility will be liquidated in order to process a new loan, as you cannot have two loans running simultaneously. The amount of money receivable (the difference between the New Principal and Unpaid Principal on the Existing Loan) will be communicated and disbursed into your account of choice.

  • Can I have more than one loan running at the same time?

    No. You can only access one loan at a time, but you can apply for a top up loan after three repayments on your existing loan.

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    The argument in favor of using filler text goes something like this: If you use real content in the design process, anytime reach a review point you’ll end up reviewing and negotiating.

  • How do I make repayments on my loan?

    • Cheques
    • Direct Debit
    • Standing Order/Instruction
    • Point of Sale Terminal

  • How do I repay if I don’t want my cheques presented?

    If you don’t want your cheques presented you can make payment in our account . You must inform us at least 72 hours before your repayment date and effect transfer at least 48 hours before the payment date on the cheques)

  • When will the repayment be due?

    On your salary pay day.

  • Can I liquidate whenever I want to?

    Yes, you can pay down/liquidate your existing facility at any time. The liquidation amount consists of your outstanding principal, outstanding management fee and interest accrued to date of liquidation.

  • Can I change my repayment date?

    Yes, your repayment date can be changed if it is due to change of employment and/or salary date. To facilitate this change, please send via mail to with evidence of the change of employment

  • What is the penalty for defaulting on loan repayment?

    The default penalty is 1% on instalment amount for each day of default. If the default passes 30 days, more stringent measures may be applied which may include:

    • Reporting defaulter to his/her employer
    • Reporting defaulter to Credit Bureau

  • What do I do if my salary has been delayed and my account is not funded?

    If you find that you can't make an upcoming payment, inform us by calling 07000 or send an email to

  • My question(s) is/are not among the list

    Kindly chat with our agent via our chat window, and your question(s) will be answered.