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About

Helping people unlock their financial good since 1986

We are WORLD BANK GROUP and WORLD TRADE ORGANIZATION Backed International Finance Company (IFC).;    At SEF International, we put people first. We’re not just here to provide the best personal loans and tax services we can. We’re also here to serve our communities and help people thrive.With over 38 years of experience and branches across 169 Countries around the World. SEF International offers the stability of a large financial company and the trust of a neighborhood lender.Through personal loans, tax services, and unbeatable customer service, we’re proud to help our customers unlock their financial good.    We are currently present in Antarctica, Africa, Asia, South America, Antarctica, Europe,

About Us

Feature

Unlocking the Power of Our Loan Features

We believe in transparency, and that's why we offer competitive interest rates and flexible repayment options. Our user-friendly loan management platform makes it easy for you to monitor your loan status, make payments, and stay on top of your financial journey.

  1. Flexible Repayment : Customize your loan with easy payment plans.
  2. Low-Interest Rates: Enjoy competitive rates for affordable borrowing.
  3. Quick Approval Process: Get funds swiftly with fast approvals.
  4. No Hidden Fees: Transparent loan terms, no surprises or extras.
  5. Loan Assistance: Our team is here to guide and support you.

24/7 Support

Flexible Repayment : Customize your loan with easy payment plans.

Low Cost

Low-Interest Rates: Enjoy competitive rates for affordable borrowing.

Featured Plans

Secure your dreams with our empowering featured loans

AIRCRAFT FINANCING

AIRCRAFT PURPOSE

2%

Interest Rate
  • Take Minimum $50,000,000.00
  • Take Maximum $500,000,000.00
  • Per Installment 3%
  • Installment Interval 365 Days
  • Total Installment 34

CAR LOAN

CAR FINANCING

2%

Interest Rate
  • Take Minimum $1,000.00
  • Take Maximum $100,000.00
  • Per Installment 0.1%
  • Installment Interval 60 Days
  • Total Installment 1020

PERSONAL

PERSONAL

1.5%

Interest Rate
  • Take Minimum $100.00
  • Take Maximum $2,000.00
  • Per Installment 0.5%
  • Installment Interval 60 Days
  • Total Installment 203

HOUSE PURCHASE

House Mortgage

1%

Interest Rate
  • Take Minimum $100,000.00
  • Take Maximum $500,000,000.00
  • Per Installment 0.1%
  • Installment Interval 60 Days
  • Total Installment 1010

AUTO LOAN

CAR LOAN

2%

Interest Rate
  • Take Minimum $1,000.00
  • Take Maximum $500,000.00
  • Per Installment 0.5%
  • Installment Interval 60 Days
  • Total Installment 204

EDU LOAN

EDUCATIONAL LOAN

1.2%

Interest Rate
  • Take Minimum $1,000.00
  • Take Maximum $100,000.00
  • Per Installment 0.1%
  • Installment Interval 60 Days
  • Total Installment 1012

LICENSED BANK LOAN

REGISTERED & LICENSED IN AFRICA

2%

Interest Rate
  • Take Minimum $10,000.00
  • Take Maximum $500,000,000,000.00
  • Per Installment 1.5%
  • Installment Interval 90 Days
  • Total Installment 68

NON -FINANCIAL INSITUTIONAL LOAN / NGO

REGISTERED NGO/MFI

3.2%

Interest Rate
  • Take Minimum $5,000.00
  • Take Maximum $10,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1032

FINANCIAL CO-OP LOAN

REGISTERED FINANCIAL COOPERATIVE

1.9%

Interest Rate
  • Take Minimum $5,000.00
  • Take Maximum $500,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1019

CONTRACT

GOVERNMENT PROJECT

1.5%

Interest Rate
  • Take Minimum $10,000.00
  • Take Maximum $1,000,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1015

PROJECT FINANCING

PERSONAL

3.5%

Interest Rate
  • Take Minimum $5,000.00
  • Take Maximum $100,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1035

LAND PURCHASE LOAN

CROP FARMING

3.2%

Interest Rate
  • Take Minimum $10,000.00
  • Take Maximum $50,000,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1032

EQUIPMENT FINANCING

CROP & LIVESTOCK FARMNG

3%

Interest Rate
  • Take Minimum $10,000.00
  • Take Maximum $100,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1030

FERTILIZER PURCHASE

CROP FARMING

2.9%

Interest Rate
  • Take Minimum $1,000.00
  • Take Maximum $100,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1029

BULK BUSINESS LOAN

REGISTERED BUSINESS

3.5%

Interest Rate
  • Take Minimum $5,000.00
  • Take Maximum $500,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1035

BULK BUSINESS LOAN

NON-REGISTERED

3.2%

Interest Rate
  • Take Minimum $4,000.00
  • Take Maximum $10,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1032

BUSINESS LOAN

WORKING CAPITAL

3.1%

Interest Rate
  • Take Minimum $3,000.00
  • Take Maximum $20,000,000.00
  • Per Installment 0.1%
  • Installment Interval 90 Days
  • Total Installment 1031

110+

Country Wide

987K+

Happy Client

195

Winning Awards

$800B+

Total Loan

FAQ

Frequently Asked Questions

We are all you need to become successful financially, You can trust our loan process.

We are an International Finance Company, We have been powering business for over 4 years. All our Loans are Approved and Disbursed timely to enable you have access to quick funds for your business, educations and good health among others.

Our Loans usually take about seven business day to get processed, approved and disbursed. However it do take longer if the applicant fails to provide us with the appropriate requirement for the loan to be processed.

We offer high amount of loan Up to ($1,000,000,000) One Billion US Dollars. However, it depends on the business the applicant is doing and also the Purpose of the loan determines how much we can disbursed to you.

People choose SEF INTERNATIONAL UNIVERSAL CREDIT, because of our transparency in terms of our transaction. And Our Loans has the cheapest interest rate as our highest interest rate is 3.5% Per Year. 

However, We do Offer Grant to the Qualified Applicant. 

Your loan is been disbursed to your SEF International Universal Credit Wallet, You will have to use any of our Payment Partners available on your dashboard to make your withdrawal to any of your Local Bank of your Choice available in your Country.

We covered more than 56 Countries across, Africa, Europe and Asian Continents.

However, we are majorly present in Asian and the Whole of Africa!

Yes, We are licensed to carry out Digital Lending and Financial Services by Our Major Partners and Initiatives.

Our Partners are: World Trade Organization, World Bank, African Development Bank, Bank of Industry (Nigeria), Bank of Agriculture (Nigeria), Central Bank of Nigeria (CBN), Central Bank of Ghana (CBG), Central Bank of Senegal (CBS), Central Bank of Mozambique (CBM), Central Bank of Namibia (CBN), Central Bank of Rwanda (CBR), Central Bank of West African State (CBWAS), Central Bank of Central African State (CBCAS), Central Bank of Angola (CBA), Central Bank of Burundi (CBB) among others.

Blog Post

Our Latest Blog

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  • We’re committed to Empowerment.

    We don’t just work in your Country. We live here, too. That’s why we partner with local programs and organizations to help support and strengthen the communities we serve. Our team members are active volunteers with local and national charities and we’re regular sponsors of local events that bring neighbors together.

  • Take Loan

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