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Makarios Capital LTD

Makarios Capital LTD

A digital lending and credit scoring platform designed to empower Nigerians with equitable access to credit, while enabling them to build strong credit histories and fully participate in the formal economy.

Apply Now How it works

Vehicle Equity Credit

Access up to ₦5M using your car, keep ownership, keep driving.

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Business Backed Credit

Flexible working Credit for growth and inventory.

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Our Mission

To empower everyday Nigerian entrepreneurs, families, and communities by delivering fast, fair, and tech-driven access to affordable credit, practical financial tools, and clear terms that help people build wealth and resilience.

Our Vision

To be the premier financial partner in Africa, providing accessible and transparent credit solutions that empower individuals and businesses to thrive.

Our Services

Empowering vehicle owners with fast, flexible access to capital through vehicle equity loans and NOVA credit.

Instant Credit Approval

Get approved in minutes with our seamless online application — zero traditional credit score required for select products.

Same-Day Cash Access

Receive funds directly to your virtual card or account within 24–72 hours of approval.

Flexible Repayment Plans

Choose from tailored payment plans designed to match your income and lifestyle.

Coming Soon

New cards and products designed to serve your lifestyle and business needs.

Civil Servant Card

Civil Servant Card

Empowering government employees with flexible credit access and exclusive lifestyle benefits.

Coming soon

Business Credit Card

Business Credit Card

Designed for entrepreneurs to manage operations, control expenses, and grow your business effortlessly.

Coming soon

AutoFlex Credit Card

AutoFlex Credit Card

For individuals with no prior credit history, or low credit scores, the AutoFlex Card offers a pathway to build credit and access funds.

Coming soon

NOVA Credit Card

NOVA is a vehicle-backed credit card that unlocks instant access to funds using your car's equity, fast approvals, flexible repayment plans, transparent valuation, and reward deals.

1

Register Your Interest

Create your NOVA account and enter your car details to start your journey.

2

Verify & Pre-Approve

Upload your ID and vehicle documents to complete verification and get pre-approval.

3

Access Funds

Receive instant credit on your NOVA Card and enjoy seamless transactions at merchants and online.

Why Choose Makarios Capital

Keep Driving

You continue to use your car while accessing credit.

No Credit Check

We focus on vehicle value more than traditional credit scores.

Fast Approval

Pre-approval within 24 hours; funds accessible immediately on approval.

Build Your Credit

A fair credit option that helps you build financial history responsibly.

Success stories

“Makarios helped me expand my shop — funds were fast and the team was caring.”

— Aisha, Ogun

“Transparent terms and quick disbursement. Highly recommended.”

— Chima, Abuja

"I got my loan same day — seamless and professional."

- Kunle, Port Harcourt

"Their vehicle equity loan helped me expand my business without losing my car."

- Sarah, Lagos

"Best credit option I've found in Nigeria. Fast approval and great customer service."

- Emmanuel, Abuja

"Love how I can keep driving my car while accessing credit. Very convenient!"

- Ada, Enugu

Contact Us

Questions? Ready to apply? Reach our team.

  • partners@makarioscapitalltd.com
  • +234 800 000 0000
  • Plot 4b, Jubliee Road Magodo, Lagos Nigeria.

Office hours & location

Mon – Fri: 9:00 AM – 6:00 PM
Sun: Closed

Send a message

Frequently asked questions