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Shariah-Compliant, Interest-Free Financial Solutions for Individuals, SMEs, and Communities.

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Transforming lives through purpose-driven, non-interest lending.

Explore Our Products

Interest -Free Financial Solutions
for your needs

At Ethica Finance, we offer a range of Shariah-compliant, riba-free financial products designed to support individuals, civil servants, and small businesses.

Asset Finance (Solar)

Access clean energy with our Murabaha-based solar financing — no interest, fixed payments, full transparency.

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Civil Service Loans

Qard Hassan (benevolent) loans for verified public servants — no fees, no interest, repaid via salary deductions.

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Buy Now / Pay Later

Spread the cost of essential purchases over time. We buy the item, you repay in agreed, interest-free installments.

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Micro Loans

Small, fast, and ethical financing for personal or micro-business use, structured under Qard Hassan principles.

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why choose us

A reliable choice for interest free finance solutions

All our financial solutions are completely free from riba (interest). Whether you're a civil servant, entrepreneur, or individual in need, you can access funding without the burden of interest or compounding fees.

100% Interest-Free

All our financial solutions are completely free from riba (interest). Whether you're a civil servant, entrepreneur, or individual in need.

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Shariah-Compliant

Our products are designed using trusted Islamic finance models such as Murabaha, Qard Hassan, and Wakala.

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Transparent Terms

No hidden charges, no surprise penalties. From application to repayment, you’ll always know what to expect. We believe trust is built through clarity and honesty.

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How it works

Easy process to 100% Interest-Free Financing

We’ve made accessing ethical financial support quick, clear, and stress-free—from application to repayment.

Choose a Product

Select the interest-free loan or service that fits your need.

STEP 1

Apply

Submit your application through our website or visit our office.

STEP 2

Get Approved Fast

We review your documents and approve most loans within 48–72 hours.

STEP 3

Get Started Today

Easy steps to apply for our services.

Get a quote

Give us a call or fill in the form below and we will contact you. We endeavor to answer all inquiries within 24 hours on business days.

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    Expert guidance

    Benefit from seasoned advice, ensuring informed decisions for optimal finance solutions.

    Ethica Finance restored my trust in borrowing. I received the support I needed—without interest, hidden fees, or stress. 

    Fatima Suleiman

    Everyone's finance needs are unique

    Our dedicated customer service team is always ready to assist you with any questions or concerns you may have.

    Exceptional 4.8 rating

    Ethica's Civil Service Loan helped me handle an emergency without stress. No interest, no pressure—just support.

    Amina Yusuf Civil Servant

    Thanks to Ethica's Asset Finance, I now have my own solar system at home. The payment terms were clear and fair.

    Chinedu Okafor Solar Installer

    I needed a small loan for my shop. Ethica gave me quick access with no interest or hidden charges.

    Halima Bako Market Trader

    The Pay Day Loan came through exactly when I needed it. Fast, ethical, and very professional service.

    Joseph Danjuma Teacher

    Their SME Loan helped me restock my shop and expand. It felt good knowing I wasn't paying interest.

    Kemi Adebayo Small Business Owner

    Ethica supported my LPO contract with upfront financing. It was fast, fair, and truly interest-free — just what I needed.

    Musa Abdullahi Logistics Operator
    Insights and assistance

    Frequently asked questions about finance

    Find answers to common queries and gain valuable insights into interest free finance.

    Yes. All our financing products are structured using Islamic contracts that eliminate riba (interest) and comply with Shariah law.

    Civil servants, micro-entrepreneurs, SMEs, and individuals with verifiable means of repayment.

    Some products may require collateral or guarantors, depending on the facility type.

    Most approvals happen within 48–72 hours after complete documentation.

    No. Our services are open to all, regardless of religion, as long as you agree to our ethical and interest-free terms.

    Click [Apply Now], visit our office, or call us to get started.

    Connect now

    Connect for custom finance support

    Reach out today for tailored finance solutions and expert guidance.

    Address:

    47 Annex, 34 Crescent, Gwarinpa, Abuja, FCT, Nigeria

    Contacts:

    Email: info@ethicafinance.ng
    Phone: +234 903 900 4002

    Not sure what you need?

    Fill out the form below, and we'll get back to you as soon as possible.