Download the AppInternet Banking

One Bank. One Transfer. Every Payment.

OneUtility MFB is a Digital Bank with registration number 1084813 and regulated by the Central Bank of Nigeria to offer banking services. Deposits are insured by the Nigerian Deposit Insurance Corporation (NDIC).

FOR YOU

  • Personal Banking
  • Cards
  • Loans
  • Savings
  • Investments
  • Kiddies & Teens

FOR BUSINESS

  • Business Banking
  • Branch & Team Mgt.
  • Investment
  • Business Cards
  • Collections
  • APIs & Integrations
  • Business Loans

UTILITY BANKING

  • Utility Banking
  • Utility Cards
  • Utility Loans
  • Asset & Infrastructure Financing
  • Green Lending

1UBANK

  • About Us
  • Contact Us
  • Investor Relations
  • Careers
  • Blog
  • Press & Media
  • Privacy Policy
  • Request Account Deletion

Get the app

4u@oneutilitymfb.com
+234 813 129 4306, +234 913 6666 700
+234 913 6666 700

© 2026 OneUtility MFB. All rights reserved.

When You Need to Keep Moving

Sometimes the right opportunity, an unexpected expense, or an important need comes before you're financially ready for it.

Small business owner smiling at her phone while packing boxes in her shop
ApplyAssessmentDecisionRepayApplyAssessmentDecisionRepayApplyAssessmentDecisionRepay
ApplyAssessmentDecisionRepayApplyAssessmentDecisionRepayApplyAssessmentDecisionRepay

Borrowing That Fits the Reason You Need It

Whether you're dealing with an unexpected expense or working towards something important, having access to the right financial support can make the difference.

Our lending solutions are being designed to provide accessible financing while giving you a clear understanding of what you're borrowing and how you'll repay it.

A Simple Way to Get Started

Your application journey is designed to be straightforward and digital, with eligibility and approval determined through the Bank's lending and risk assessment processes.

1

Apply

Submit your application and provide the information required for assessment.

2

Assessment

Your application is reviewed against the relevant eligibility and credit criteria.

3

Decision

You'll be informed of the outcome of your application and, where approved, the applicable terms.

4

Repay

Manage your repayment according to the agreed schedule.

Get Started

Loan Calculator

Plan amortization and repayments

₦NGN
₦500,000₦50,000,000

Select your preferred repayment tenure.

Fixed by the bank — not editable.

Estimated Monthly Repayment

₦1,836,043

Total Principal₦5,000,000
Total Interest₦508,128
Total Repayment₦5,508,128
Apply for Loan

Indicative only, at 5% monthly on reducing balance.

Borrowing With Clarity

Taking a loan is a financial commitment, so you should always know what you're agreeing to.

Before accepting an offer, you'll be shown the applicable amount, interest or charges, repayment period and other relevant terms.

Illustration of a hand holding a money bag next to a percentage icon

Frequently Asked Questions

Salary earners and anyone with a verifiable source of income.

Ready When You Are

Your next step doesn't always wait for the perfect time.

Apply Now
OneUtility banking app dashboard showing account balance and quick actions