Optimum Credit Limited

Optimum Credit Limited is a licensed Microfinance Institution headquartered in Lagos, Nigeria, and established in 2022.
At Optimum Credit, we are committed to empowering individuals and businesses with access to flexible and reliable financial solutions.

Our range of loan products—including Public Sector Loans, LPO Financing, and Personal Loans—is tailored to meet diverse financial needs with ease and convenience.

Beyond lending, we also offer Investment & Funds Management and Financial Advisory Services, helping our clients grow their wealth and make smart, strategic financial decisions.

At Optimum Credit, your financial growth is our priority.

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OPTIMUM CREDIT LIMITED

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What We Do...

At Optimum Credit Limited, we understand the importance of financial flexibility, especially for public servants. That's why we offer a range of tailored loan and credit services designed to meet your urgent personal needs with ease and convenience.

LOANS

We provide a range of flexible loan products tailored to meet individual and corporate financial needs:
• Public Sector Loans – Designed for government and public service employees.
• LPO Financing – Supporting businesses to execute Local Purchase Orders with ease.
• Personal Loans – Quick and convenient financing for personal or emergency needs.

Investments / Funds Management

We manage financial assets for individuals and organizations with a focus on safety, liquidity, and optimal returns. Our Treasury Department offers highly competitive rates, ensuring clients enjoy maximum satisfaction on their investments.

Financial Advisory Services

We deliver expert financial guidance to help clients make informed and strategic decisions. Our advisory team works closely with individuals, businesses, and organizations to manage finances efficiently — both for current stability and future growth.

Our Mission

Our mission is to help our customers achieve economic success and financial security by building enduring relationships based on trust and integrity.

Our Vision...

Our vision is to deliver financial solutions that fulfill today’s needs and tomorrow’s dreams. We strive to create long-term value for our customers and grow value for our shareholders.

Our Core Values...

Community

We are proud to invest in and contribute to the communities we serve.

Associates

We attract and cultivate a diverse talent pool by providing an inclusive atmosphere that fosters growth and prosperous careers.

Relationships

We believe relationships are more than a series of transactions. We become partners in addressing our customers’ needs.

Experience

We provide best in class service and a personal experience to our customers in helping them to reach their financial goals.

How We Work...

At Optimum Credit Limited, we are driven by a strong commitment to professionalism, integrity, and customer satisfaction. Our goal is to provide reliable financial solutions through a transparent and efficient process that puts our clients first.

Step 1

Understanding Your Needs

We start by listening. Every client is unique, and we take the time to understand your goals, challenges, and financial priorities. This allows us to design solutions that are truly suited to you.

Step 2

Providing Tailored Solutions

Whether it’s a loan, an investment plan, or financial advice, we customize our services to meet your specific needs. Our experienced team ensures that every solution delivers value, flexibility, and peace of mind.

Step 3

Efficient and Transparent Processes

We pride ourselves on prompt and seamless service delivery. From application to disbursement or investment execution, our systems are designed for speed, accuracy, and full transparency at every step.

Step 4

Continuous Relationship Support

Our relationship doesn’t end after a transaction. We stay connected — offering regular updates, insightful guidance, and ongoing financial support to help you grow and achieve your goals.

Step 5

Commitment to Integrity and Compliance

We uphold the highest ethical standards and operate in full compliance with regulatory requirements. Every transaction is handled with honesty, confidentiality, and accountability.

Disclaimer: Payments and Liability...

Optimum Credit Limited accepts payments only via bank transfer to our officially designated account provided below. We shall not be held liable for any funds sent to incorrect, unauthorized, or third-party accounts.
The Company reserves the right to reject any claims relating to payments not received due to:

• Errors during the transfer process
• Use of incorrect or unofficial account information.

If you are ever in doubt, please contact us immediately on ‪+234 806 141 4152‬ to confirm our banking details before making any transfer.

Official Account Details:
• Company Name: Optimum Credit Limited
• Bank Name: Providus Bank • Account Number: 5402044685

CONTACT NUMBER

+2348061414152

CONTACT E-MAIL

info@optimumcreditlimited.com