Oxygen X: Fueling Ambitions with Digital Loans in Nigeria
For aspiring Nigerian entrepreneurs and individuals with grand ambitions, securing that initial loan can be a pivotal moment. It’s the financial springboard that can either launch a venture or hinder its progress. Oxygen X Finance Company Limited, the digital lending arm of Access Holdings Plc, understands this crucial juncture and is committed to providing robust first-time loan options, empowering Nigerians to chase their dreams from the outset.
Driving Growth with Accessible Credit
Oxygen X, operating as a standalone digital lending entity under a prominent Nigerian banking group, is driven by an ambitious objective: to become the leading consumer lending brand in Africa and the continent’s largest non-bank provider of sustainable credit. This vision is rapidly materializing. In 2025 alone, Oxygen X has deployed over ₦3.5 billion in consumer loans, catering to approximately 4,000 active customers. The company supports both salaried individuals and the self-employed, providing financial backing without the complexities and often hidden charges that can discourage first-time borrowers. Oxygen X is broadening its impact by extending access to key assets through its “Pay Small Small” financing model. This initiative aims to further democratize access to essential resources across Nigeria.
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