Age and nationality
Applicants, guarantors, and witnesses must be Nigerians, 18 or older, of sound mind, with a valid address.
Eligibility
Who can apply
These requirements follow MaryPius Credit Limited’s 2026 terms of operation. Staff may still decline an application that meets the list, or ask for more information.
Identity
Provide a valid Nigerian identity document (for example NIN slip, national ID, international passport, driver’s licence, or voter’s card). We do not collect BVN on this website.
Location
The company operates from Ezza South (head office) and Abakaliki, Ebonyi State. Residence in Nigeria is expected.
Income or an existing business
Show a regular source of income, or an existing private business or farm. Loans are not for start-ups except in special cases with strong, easily disposable collateral. Loans are not issued to companies or groups.
Two guarantors
Two guarantors are required, with photographs and traceable proof that they could repay principal and interest if needed.
Affordability
Existing loans, rent, and household costs are part of the assessment. An existing MaryPius loan must be paid off before a new one is considered. We will not knowingly offer credit that a borrower cannot reasonably repay.
Honesty
Information must be accurate. False details are a reason to decline and may be recorded. Files are kept for at least five years.
Business and collateral checks
Staff may visit home and business addresses and inspect collateral. Photographic proof of a business or farm may be requested.