Your PayDay, Reimagined.
Instant access to cash when you need it most now with more flexible repayment options.
PayDay Flex
Introducing PayDay Flex 3 and PayDay Flex 6 because you deserve financial freedom that moves with you.
Choose Your Flex
Flex 3
Repay conveniently in 3 months
Flex 6
Repay conveniently in 6 months
More time. More control. Less pressure
Why Choose PayDay Flex
- Borrow up to ₦3,000,000 instantly
- Enjoy repayment options up to 6 months
- No paperwork or collateral required
- Automatic eligibility once your salary drops into your Fidelity account
How to Access
You’re one tap away from financial ease.
- Open the Fidelity Mobile App
- Or dial *770*08#
- Select PayDay Loan
- Get credited instantly no delay, no stress
Channels
Interested in PayDay Flex Loan
kindly fill the form below
FAQs
Two new PayDay Loan variants!
- PayDay Flex 3 – Repay in 3 months (A 3-month salary-backed digital loan)
- PayDay Flex 6 – Repay in 6 months (A 6-month salary-backed digital loan)
Now you can borrow more and pay back at your own pace. These products complement the existing 30-day Payday Loan and are designed to offer larger loan amounts and longer repayment periods to better manage rising living costs.
We understand some expenses come when you least expect them. Now, we’ve made it easier to borrow more and spread your repayments with flexible options.
Only salary earners with active Fidelity salary accounts (Tier 3). Once your salary drops in Fidelity every month, you’re eligible.
- 1 Month Loan Borrow Up to N800,000 (50% of salary)
- Flex 3 Borrow Up to N2,000,000 (100% of salary)
- Flex 6 Borrow Up to N3,000,000 (200% of salary)
Product | Tenor | Max. Loan | Eligibility Cap |
Payday Loan | 1 Month | N800,000 | Up to 50% of monthly salary |
Payday Flex 3 | 3 Months | N2,000,000 | Up to 100% of monthly salary |
Payday Flex 6 | 6 Months | N3,000,000 | Up to 200% of monthly salary |
Repayments are automatically deducted from the customer’s salary account on their salary date or loan anniversary date. For Flex 3 and Flex 6, repayments are spread across the tenor to ease monthly cash flow pressure.
Instantly (once customer is qualified, with healthy credit rating).
Active salary account with Fidelity Bank with Minimum monthly salary of:
- N20,000 (Payday Loan)
- N30,000 (Payday Flex 3)
- N50,000 (Payday Flex 6)
- At least 3 consecutive salary payments in the last 4 months.
- No delinquent loans within or outside Fidelity Bank.
- Satisfactory Credit Bureau and CBN CRMS checks.
- Access to larger loan amounts and longer repayment periods.
- Lower monthly repayment pressure due to flexible tenors.
- Simplified access through USSD and the Fidelity Mobile App.
- Builds a stronger credit profile with successful repayments.
Customers can access Payday Loan, Payday Flex 3, and Payday Flex 6 via Fidelity Mobile App OR USSD (*770*08#)