“The terms were easy to understand before I decided to proceed.”
Amina YusufPersonal financing
FAITH-CONSCIOUS FINANCEINTEREST-FREE FINANCING· 0% interest
Finance that is
clear and purposeful.
Qistah Finance provides eligible customers and businesses with Sharia-conscious, interest-free financing and clearly defined settlement terms from the beginning.
Sharia-conscious & interest-freeUnderstand the applicable financing structure, requested amount, settlement period and repayment expectations before proceeding.
QISTAH FINANCESharia-conscious
INTEREST-FREE0% interest
A financing experience built around
Clarity & purpose.
Personal financing
Salary financing
Business financing
FINANCING OPTIONSChoose the financing
Choose the financing
that fits your needs.
01 · PERSONAL
Personal financing
For eligible personal needs with defined amounts and settlement terms.
Learn more
02 · SALARYSalary financing
For eligible salary earners with regular income and predictable settlement.
Learn more
03 · BUSINESSBusiness financing
For eligible businesses seeking working capital or other defined business needs.
Learn more
Structures designed around
responsible finance.
Murabahah
مرابحةA cost-plus sale with the transaction terms and agreed profit disclosed.
Musharakah
مشاركةA partnership where contributions and profit-sharing terms are agreed.
Mudarabah
مضاربةAn investment partnership with defined capital and management responsibilities.
Ijarah
إجارةA lease-based structure for an identified asset under agreed terms.
Qard Hasan
قرض حسنInterest-free lending where repayment is limited to the principal.
Wakalah
وكالةAn agency arrangement with a defined task, role and obligation.
The appropriate structure depends on the nature of the transaction. Applicable terms, obligations and settlement expectations are disclosed before a customer proceeds.
₦250,000,000+Financing issued
200,000+Browser Served
3 Yearsof Lending
1,000+Businesses benefiting from Qistah financing
TRUSTED BY CUSTOMERSReal experiences.
Real experiences.
Clearer confidence.
Qistah is built to give customers a clearer path through financing, from understanding the terms to completing an application.
“The financing structure helped us plan our business funding more confidently.”
Ibrahim MusaBusiness financing
“The important information was presented in a way that was easy to follow.”
Fatima BelloSalary financing
“I could compare the option and understand what I was agreeing to before applying.”
Tunde AdeyemiPersonal financing
“The business option gave us a clearer way to plan the funding our shop needed.”
Chidinma OkaforBusiness financing
“Having the application information in one place made the process easier to follow.”
Musa AbdullahiSalary financing
“I knew what information was needed at each stage of my application.”
Khadija SaniPersonal financing
“The terms helped me make a more informed decision for my business.”
Olumide AdebayoBusiness financing
“The application journey was clear from the first step through submission.”
Ngozi EzeSalary financing
“I could see the important terms without having to search for them.”
Yusuf IbrahimPersonal financing
Built around clarity and responsible financingCustomers can review relevant terms and expectations before proceeding with their application.
HOW IT WORKSA simple path from
A simple path from
request to settlement.
We keep the process straightforward so you can understand what you are requesting before you commit.
01
Choose your financing
Select the option that best describes your need.
02
Review your terms
Enter your requested amount and review the applicable structure.
03
Complete your application
Provide the information required for assessment.
04
Proceed to settlement
Approved arrangements are managed according to the agreed terms.
Qistah, wherever you are.
Our office information is kept together in one place for easy reference.
Ghana
No. 28 Liberation Avenue, Accra, Ghana
Nigeria
No. 26, Taiwo Road, Garki, Nigeria
READY WHEN YOU ARE
Apply for a loan Choose your financing path.
Explore an option first, understand what it involves, then apply when you are ready.
Your information matters
We aim to handle customer information responsibly and present financing terms clearly throughout the process.
FREQUENTLY ASKED QUESTIONS
Questions, answered clearly.
Here are answers to the questions customers commonly ask before starting their Qistah journey.
What is Qistah Finance?
Qistah Finance is a financing platform designed to make responsible, transparent and faith-conscious financing easier to access and understand.
What financing structures are available?
Qistah presents structures such as Murabahah, Musharakah, Mudarabah, Ijarah, Qard Hasan and Wakalah where applicable to the transaction.
Who can apply for financing?
Eligible individuals and businesses can request the financing option that fits their needs, subject to Qistah’s applicable requirements and assessment.
How do I apply?
Create your Qistah account, choose the financing option that fits your need, provide the requested information and submit your application for assessment.
How is my application assessed?
Applications are reviewed using the information and supporting details provided, together with the applicable eligibility and assessment criteria.
Are there interest charges?
Qistah is designed around clearly defined financing structures rather than conventional interest-based lending. The applicable structure, obligations and settlement terms are presented before you proceed.
Can I apply for business financing?
Yes. Eligible businesses can explore business financing and select an appropriate structure, requested amount and settlement period, subject to assessment.
How do repayments work?
Repayment arrangements depend on the financing structure and the terms agreed for the transaction. The applicable settlement expectations are communicated before proceeding.
Is my information secure?
Qistah aims to handle customer information responsibly. Use the official Qistah platform and keep your account credentials private.
What happens after I submit my application?
Your application moves into the applicable assessment process. You can return to your Qistah account to follow updates and manage the next steps.