Accessible credit, starting with your tuition.
Banks demand collateral you do not have. Loan apps charge predatory rates. Yami gives everyday Nigerians access to fair, structured financing. We are starting with educational Buy Now, Pay Later to give you instant school clearance while you pay back in manageable installments.
The P2P lending platform for Nigerians, rolling out our Educational BNPL pilot first.
- Fair financing
- No predatory rates
- Instant clearance
- Funds go direct to schools
- First phase
- Educational BNPL
Admit one · Early access
Claim your spot
01 · The Problem
Good people are locked out of the credit system.
Banks say no
Traditional banks require heavy collateral, strict salary accounts, and weeks of processing. If you do not fit their exact mold, you get nothing.
Predatory loan apps
The alternatives are loan apps that charge outrageous interest rates and resort to harassing your phone contacts if you are a day late.
Awkward favors
You are forced to rely on informal goodwill from family or sponsors for heavy tuition fees. It is stressful, unreliable, and causes delays at the bursary.
Zero credit history
Even when you borrow from friends and pay them back on time, it never counts. You have no way to prove your reliability to the financial system.
02 · The Solution
Dignified financing with
instant academic clearance.
Yami matches you with verified peers and cooperatives willing to fund your tuition. To keep rates low and eliminate risk, we route the money directly to your university so you can focus on your studies.
Instant Clearance
The moment your loan is funded, we route the principal directly to the school bursary. You get cleared for classes and exams immediately.
Manageable Installments
We break heavy tuition into four simple monthly payments. No more panic trying to raise a massive lump sum at the start of the semester.
Build Your Reputation
Every on-time monthly payment builds your Yami Trust Score. Prove you are reliable and unlock access to larger credit limits in the future.
03 · The Centrepiece
A number that follows your good name.
Trust Score
Trusted
Repayment rate
Did you pay back what you agreed?
Repayment speed
Did you pay on time, or early?
Agreement completion
Do you finish what you start?
Every bank has told you they do not have enough data on you. Yami builds that data from the ground up based on the payments you actually make. Pay your installments consistently, and your score opens doors that were closed before.
04 · How it works
Simple. Structured. Secure.
Verify your identity
BVN and a photo ID, checked once through a licensed partner. Do it once and you are trusted everywhere on Yami.
Submit your invoice
Select your university and enter your tuition amount. Yami creates a clear request with transparent 4-month repayment terms.
Get funded
Verified lenders fund your request. You see their terms clearly before you accept. No hidden fees or predatory traps.
Instant school payment
Once you sign the agreement, we send the money straight to your university bursary. You are cleared for the semester.
Repay and grow
Every automated repayment lifts your Trust Score. Your financial reputation grows with you.
05 · Where we are
Phase One: Educational BNPL.
We are rolling out in stages to ensure our infrastructure works perfectly. When your campus opens, you will be the first to know.
Phase 1: Tuition Financing
Our first cohort focuses exclusively on educational BNPL. Students get tuition paid directly to their university, breaking the barrier to their education.
The waitlist is open
Get on the list to be first in line when we activate our initial university partnerships.
Phase 2: Full P2P
Once the trust infrastructure is proven on campus, we will open the marketplace to all structured personal lending needs across Nigeria.
06 · Why we're building this
“Abeg, I’ll pay you back next week.”
We have all sent that message. We have all received it. And we all know the anxiety that comes with trying to raise money for school fees at the last minute.
The most frustrating part is not just the lack of funds. It is that honest people who always pay back have no way to prove it to the formal system. You should not have to face predatory rates or awkward favors just to stay in school.
We built Yami because that reputation deserves to exist. We are giving everyday Nigerians the tools to access dignified credit, starting with the education that builds their future.
Yami comes from Yoruba, “e ya mi”, meaning “borrow me.” It also means friend in pidgin. Both fit. The lending we are building is between real people and communities, not between faceless institutions and algorithms.
Murewa, Timi & Olu, Founders of Yami
07 · FAQ
Questions, answered.
Why is Yami starting with Educational BNPL?+
School fees are one of the heaviest recurring financial burdens in Nigeria. By starting with tuition and routing funds directly to universities, we provide students with instant clearance while completely eliminating the risk of capital flight for our lenders.
Is Yami a predatory loan app?+
Absolutely not. We do not charge predatory interest rates, and we will never harass your contacts. Yami is a structured peer-to-peer marketplace designed to help you build a positive financial reputation over time.
Do I get the cash in my bank account?+
No. To protect both you and the lender, the approved tuition amount is sent directly to your university's bursary account via API. This guarantees your fees are paid instantly and securely.
Who can use Yami for lending in Nigeria?+
Any young Nigerian who wants to build their credit profile or earn a yield on their savings. We are opening up community by community, starting where reputation already matters.
When is Yami launching in Nigeria?+
Soon. We are opening in one university community first, then expanding. Join the waitlist and you will be first to know when your campus goes live.
Is it safe to use my BVN on Yami?+
Yes. Your BVN is only used to confirm you are really you, through a licensed partner. We do not keep it on our servers, and your details are strictly encrypted.
How does Yami's trust score work?+
It is built from what you actually do: whether you pay your monthly installments, how quickly you pay, and whether you finish the agreements you sign. It grows with every promise you keep.