Frequently Asked Questions

How does Padimi work? makes it easy to access amazing financial services,healthcare, and insurance services at the click of a button. You can get instant loans, Healthcare covers and insurance covers for life and assets make all your financial transactions and invest money with high interest returns. is your trusted digital friend, always ready to help you out.

Why is my Bank Verification Number (BVN) required to use

We request your BVN and selfie as a security measure. This is used to verify that the individual using the Padimi service is the same as the owner of the provided bank account. This is to ensure that your details cannot be used without your authorization, in the event a 3rd party has access to your account details. Please note: Your BVN does not provide access to your account. If in doubt, we encourage you to confirm this from your bank before you proceed.

What is a client ID? How do I find mine?

Your client ID is the unique number uses to identify you. Think of it as your account number with us. It is displayed in your app, sent via SMS when your account is created, and contained in all account e-mails we send to you. It can also be found by logging into your app. Please take note of this ID as it should be used for resolving account issues speedily or on any repayment transaction details for quick identification.

Can I access Padimi. from any location? is currently available throughout Nigeria.

Can I update my banking / personal information?

You can update your banking details and all your personal information in the app. If you have a running loan with us and need to update or change certain details, please use the ‘Your Profile’ app menu, or contact us via our dedicated support channels for assistance.

How do I apply for a loan?

After downloading the app or going on the web page, sign in or sign up to identify yourself and this will take you to our brief registration/application forms. Complete an application with valid information, then determine how much you would like to borrow. We will then display your available loan providers offered in the app and you can view your expected repayment(s). Submit your application and we will typically notify you of the loan decision within minutes.

Who should I contact to submit a comment, question or complaint?

You can drop us a message on and an agent will respond swiftly. Feel free to reach out to us any time via our dedicated phone lines or find us on social media links (Facebook, Twitter, Instagram and Medium). We will always do our best to attend to you as quickly as possible.