Empowering Your

Digital Financial Transformation

Innovative solutions for secure and efficient financial services tailored for businesses and individuals.

About GILGAL FINANCE

Welcome to GILGAL FINANCE LIMITED — your trusted fintech partner driving smart, secure, and seamless digital financial solutions across Nigeria.

We’re building a smarter digital financial ecosystem for individuals and businesses alike. Our mission is to accelerate financial inclusion through innovative fintech products in areas like:

Digital lending
Payment solutions
Fund management
Smart clearing & settlement systems

Driven by data intelligence, cloud infrastructure, and strict compliance standards, we deliver transparent, efficient, and secure services tailored for today’s fast-moving world.

A hand holding a smartphone in front of a wooden background. The phone screen displays a financial investment application with the text 'The smartest thing to do with your money'. Below it, there are illustrations of stacked coins and a call-to-action button labeled 'Start investing'.

Why Choose Us？

We’re more than a fintech company — we’re building the infrastructure for the digital economy of tomorrow. Here's what sets us apart:

A digital wallet is open, displaying several cryptocurrency symbols inside. The background is a dark, matte surface. The symbols include Bitcoin and others, represented in bright colors against the muted background.

1. Technology-Driven Solutions

We leverage cutting-edge technologies — including cloud computing, AI, and big data — to create smart, scalable, and resilient financial platforms that serve both individuals and enterprises.

2. Diversified Product Ecosystem

Our services go beyond a single offering. From digital payments and fund management to intelligent clearing and settlement systems, we deliver a full-stack fintech experience tailored to modern financial needs.

3. Security You Can Trust

Data protection is at the heart of everything we do. Our systems are built with multi-layered encryption, real-time monitoring, and global security standards to ensure every transaction is safe and verifiable.

4. Innovation Meets Reliability

We constantly evolve, but never at the cost of dependability. Every product we launch is designed to be both forward-looking and operationally stable, ensuring a smooth experience across all platforms.

5. Local Expertise, Global Vision

While deeply rooted in the Nigerian market, our strategies are built with international scalability in mind. We aim to become a trusted platform for digital finance not only in Africa, but around the world.

A digital wallet is surrounded by various cryptocurrency symbols, including Bitcoin, Ethereum, and others, set against a dark background. The wallet is depicted in a sleek, minimalist style.

Shaping the Future of Finance

”To deliver secure, intelligent, and inclusive digital financial solutions that simplify how people and businesses manage money.”

- Our Mission

”To become a trusted fintech platform from Africa to the world — connecting people, systems, and economies through smart financial technology.”

- Our Vision

Our Products

Explore our suite of user-friendly digital finance apps — designed to offer fast, secure, and accessible financial services across Nigeria.

Vyral Loan

A reliable mobile platform offering quick and convenient financial solutions for everyday needs, anytime and anywhere.

Awayu Loan

Designed to help users manage short-term financial gaps with ease and confidence through a fully digital experience.

BizaBiza Credit

A smart solution built to support personal and business financial needs with a smooth application process and transparent terms.

Xtingo Credit

Flexible and accessible digital finance at your fingertips — empowering users with simple tools for better money management.

Dgato Loan

Fast, secure, and hassle-free — Dgato makes digital borrowing simple for anyone seeking instant financial support.