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The Tahlil Program · with TubaliDigital

An interest-free loan for your communication centre.

Grow your airtime and data float, restock SIMs and accessories, or replace the printer that keeps jamming. You repay exactly what you borrow.

Apply for TahlilHow it works

Interest

0%

Loan size
₦100k to ₦1m
Repay
Weekly, from sales
Photograph · to be commissionedThe front of a busy communication centre: a hand-painted sign, phone accessories on the wall, a customer buying data. Shot from the street.Kano · Kofar Wambai

Who it’s for

Built for the people who keep the neighbourhood connected.

Communication-centre merchants: the shops that sell airtime, data, SIMs and accessories, and print, scan and browse for their customers.

Eligibility to confirm

  • You run a communication centre

    Or a phone, accessories or business-centre shop.

  • You have traded for 6 months or more

    From the same location.

  • You have a BVN and a valid ID

    For you as the owner. CAC registration helps but is not required.

  • You are referred or verified by TubaliDigital

    Their field team can visit your shop.

How it works

Apply, get checked, get paid. No interest.

You repay exactly what you borrow, in small weekly amounts sized to what your centre sells.

  1. 01Day 1

    Apply, or ask TubaliDigital

    Fill in the short form below, or ask a TubaliDigital agent to apply with you.
  2. 02Within a week

    Shop visit and check

    A TubaliDigital agent confirms your shop. We look at your trading history.
  3. 03Same day

    Loan in your wallet

    Accept in the app. Repay in small weekly amounts from sales. No interest.

What you get

More stock, more float, more customers served.

  • 0% interest. Repay what you borrow, nothing more.
  • Weekly repayments sized to your sales.
  • Bigger loans after you repay on time.
  • A TubaliDigital agent you can call with questions.

The Tahlil Program

Illustrative
The Tahlil Program fees
ItemPrice
InterestInterest-free, with TubaliDigital.0%
Loan sizeFor communication-centre merchants.₦100k to ₦1m
Processing feeIf any, shown before you accept.[To confirm]

Apply

Apply for the Tahlil Program.

A TubaliDigital agent will call you within three working days.

Tahlil Program application

Demo form

About three minutes. We ask for your BVN later, in the app.

FAQ

Questions people ask

Something else? support@z9pay.com

Is it really interest-free?
Yes. You repay what you borrow. If there is any processing fee, it is shown before you accept, and you can walk away at no cost.
Who is TubaliDigital?
TubaliDigital is our programme partner. They work directly with communication-centre merchants and help us reach and support them.
What can I use the loan for?
Airtime and data float, SIM and device stock, and small equipment for your centre, such as a printer or a POS stand.
How do I repay?
In small weekly amounts from your Z9Pay sales, over the agreed period. You can repay early at any time.