Get instant loans up to ₦100M, earn up to 25% ROI with our SEC-licensed investment app, & save toward goals. Join 400k+ Nigerians using the Sycamore app. Download now!
Sycamore –Save Invest Borrow
Sycamore is a secure all-in-one fintech app that helps you access credit, save consistently, invest wisely, and manage everyday payments—all from one platform.
Designed for individuals and businesses in Nigeria, Sycamore gives you the tools to take control of your finances with transparency, flexibility, and security.
Quick & Flexible Loans
Access personal and business loans with a simple application process and transparent terms.
Whether you need funds for emergencies, rent, school fees, or business growth, Sycamore makes borrowing easier.
Loan Features
- Loan amounts from ₦100,000 – ₦100,000,000
- Flexible repayment plans (3 – 24 months)
- Competitive interest rates starting from 2.3% monthly
- Processed under 5 hours (subject to eligibility and verification)
- Secure and simple application process
Loan Types
Salary Loans
For salaried employees who need quick access to funds for personal needs.
Business Loans
For registered Nigerian businesses seeking working capital and growth funding.
Loan Terms & Transparency
- APR range: 27.6% – 72% annually (depending on user profile and loan terms)
- Loan tenure: 3 – 24 months
- Approval: Subject to eligibility, verification, and risk assessment
- No hidden fees
Representative Example
Loan Amount: ₦1,000,000
Tenor: 12 months
Monthly Interest Rate: 3%
APR: 36%
Total Repayment: ₦1,360,000
Save Smarter with High-Interest Savings
Build better financial habits with flexible and automated savings options.
Savings Features
- Create goal-based savings plans (rent, travel, gadgets, etc.)
- Automate deposits and consistently
- Access fixed and flexible savings options
- Earn competitive interest rates (up to 20% annually)
Invest & Grow Your Wealth
Access curated investment opportunities designed to help you grow your money over time.
Investment Features
- Start investing from ₦100,000
- Earn competitive returns (up to 25% annually)
- Access fixed income and structured investment products
- Diversify your portfolio with professionally managed options
Enhanced Dollar Investment (EDI)
- Invest from as low as $5
- Earn returns in USD (up to 8% annually)
- Hedge against currency fluctuations
Disclaimer: Investments carry risk. Returns are not guaranteed and may vary based on market conditions.
Send Money & Pay Bills Easily
Sycamore also works as a digital banking app for your everyday transactions.
- Transfer money securely and instantly
- Buy airtime and data
- Pay electricity and cable TV bills
- Buy e-sims so you can travel without worries and gift vouchers from popular brands you use like Netflix, Apple etc.
- Manage daily financial activities
Safe, Licensed & Trusted
Your security and trust are our priority. Operated by Sycamore Integrated Solutions Limited. Investments managed by SEC-licensed Sycamore Investment & Asset Management Limited (SIML). Banking services provided by a CBN-licensed microfinance bank. Deposits insured by NDIC
Loan Requirements
To apply for a loan, you may need:
- Valid government-issued ID
- BVN and NIN
- Bank statement (up to 6 months)
- Proof of employment (for salary loans)
- Utility bill
- Debit card or direct debit mandate for repayment setup
Requirements may vary based on loan type and user profile.
Privacy & Data Protection
We are committed to protecting your data.
Sycamore may request access to certain device information (such as device data and financial details) strictly for:
- Identity verification
- Fraud prevention
- Credit assessment
All user data is encrypted and securely stored. Your information is never shared without your consent.
Learn more:
sycamore.ng/privacy
Contact Us
Our support team is here to help.
0201-700-3497
complaints@sycamore.ng
I love this app as it didn’t give me any issues during registration. Very easy to operate. No ads, no fluke. The fact that I can now receive and send dollars across the world is thrilling.
Easy to navigate
bigpona 01
I like the fast transfers and bill paymentUser friendly interface.
RUN AWAY FROM THESE FRAUDS!
Olaotan2578
So this is what they do:Once you register you’ll be assigned a bank account with providus or Wema and then after making your first deposit they’ll take off the account off your profile and you won’t have access to your funds - contact cs and you’ll be told you haven’t been assigned any account and that you’ve made a wrong deposit🤔 - Licensed thieves👌🏽
Really
abizjosh
I have updated all my information my loan is still processing
- We’ve completely revamped how you move and track your money in this update, making your everyday banking faster and more automated.
- You can now set up scheduled and recurring transfers, as well as schedule automated bill payments for airtime, data, cable, and electricity.
- Sending money to the same person? Use the new "Repeat Transfer" button. We’ve also added a bank network monitor so you can check destination bank uptimes before you hit send.
- Bug fixes and general app improvements.
Version 2.5.6
The developer, Sycamore Integrated Solutions Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Contacts
User Content
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Location
Contact Info
Usage Data
Diagnostics
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Sycamore Integrated Solutions Limited
Size
107.9 MB
Category
Finance
Compatibility
Requires iOS 15.5 or later.
iPhone Requires iOS 15.5 or later.
iPod touch Requires iOS 15.5 or later.
Mac Requires macOS 12.0.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
Languages
English
Age Rating
16+
16+
This app is rated 16+ with content restrictions.
Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.
