Money at the speed of light

We design our products to serve the urgent needs of customers today, tomorrow, and in the future

A commitment to customers

At MiQO, our products are designed to meet people where they're at. For many, that means having little to no credit history or savings. So, we use alternative data to offer financial products that people can access anywhere, without the hassle of judgement of traditional institutions.

Making a lending decision

Basic and simple, we analyze transaction data with your MiQo card on the MiQo mobile application to determine loan eligibility. Our machine learning algorithms process data to create personalized loan options in a matter of seconds.

How MiQo nano-loans work

1. Download the MiQo app

Use your Android phone or iOS phone to download MiQo from the Google Play store or Apple AppStore.

2. Create your account

Fill out a simple form in under 2 minutes and you are ready to go.

3. Get the loan that meets your needs

Receive the loan into your account. Loans are conveniently sent to your MiQo card account in seconds.

4. Repay and get more

Repay with your MiQo card in MiQo mobile app. Build your credit to unlock larger loans.

Privacy is paramount

At MiQo, the privacy and security of our customers and their data is our top priority.


All the data we use is encrypted and protected.

We have strict policies in place that ensure our methods are properly communicated and customer data is always secure.

Data privacy

We never sell customer data or share customer contacts with third parties.

Ethical collections

We do not condone any aggressive debt collection practices, including debt shaming.

If you experience any form of harassment, please report the issue to us immediately via in-app chat.

Our approach to credit scoring

Handset details

Transaction data

Repayment history

MiQo card usage

MiQo Card Transaction history

100% transparency

We don't want to stifle growth or get someone into a tight spot. That's why we're upfront with our lending terms.

100 FCFA – 99 999 FCFA

Loan amounts


Monthly interest

30 Days

Loan terms

30 Days

Late unpaid extension period


Late unpaid interest (principal + interests)