Frequently Asked Questions

To be eligible for personal and business loans with Still Earth Capital Finance, you need to meet the following criteria:

For Personal Loans:
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• Be at least 21 years old with a valid government-issued ID
• Have a verifiable and steady source of income
• Provide proof of address (utility bill, tenancy agreement, etc.)
• Pass our credit and affordability checks

For Business Loans:
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• Have a duly registered business or enterprise (CAC certificate, where applicable)
• Provide recent bank statements to show cash flow
• Show evidence of business operations (e.g., invoices, audited accounts)
• Provide collateral or a guarantor if required

Applying for a loan is simple:

• Click here www.stillearthcapital.com to start your application today or on our mobile app
       (downloadable on the Google Play Store and App Store)
• Contact us via WhatsApp or call 09113896912
• Visit our office to speak directly with a loan officer
• Submit the required documents for processing

To process your loan, you’ll need:

• A valid government-issued ID
• Proof of income (e.g., salary slips, bank statements) or business cash flow records
• Proof of address (utility bill or tenancy agreement)
• A completed loan application form with accurate contact details
• Additional documents may be requested depending on your loan size or type

The amount you can borrow depends on your income, business turnover, loan type, credit assessment and regulatory limits. We ensure you get the right funding tailored to your financial needs and repayment capacity.

We offer flexible repayment plans designed to fit your lifestyle or business cycle:

• Monthly instalments (standard option)
• Bi-weekly or customized repayment plans (based on agreement)
• Early repayment is allowed and may reduce your overall interest cost

Most loans are approved within 24 - 72 hours once we receive your complete documents. We work fast so you can get the funds you need without delay.

Not all loans require collateral.

• For smaller personal loans, proof of income and/or a guarantor may be sufficient.
• For larger business loans, collateral may be required.

Our interest rates vary depending on:

• Loan type
• Loan amount
• Repayment durationWe are committed to transparency — your interest rate and repayment schedule will   be clearly communicated before loan disbursement.

Yes, you can repay your loan before the due date. You can choose a repayment plan that works for you – monthly, bi-weekly, or even custom schedules. We are here to fit into your lifestyle.

If you ever miss a repayment, don’t worry – just reach out to us immediately. We will work with you to adjust your plan and get you back on track. Remember, consistent defaults may affect your credit, so it is better to talk to us early.

• Late repayments may attract penalties.
• Consistent defaults can negatively impact your credit record and future loan eligibility.