For many Nigerians with big ambitions, the first loan can make or break the journey toward success. Oxygen X Finance Company Limited, the digital lending subsidiary of Access Holdings Plc, is making sure that first step is the strongest by offering great first-time loan deals to fuel dreams from day one.
As a standalone digital lending business launched by a major Nigerian banking group, Oxygen X is driven by a bold vision: to become Africa’s most respected consumer lending brand and the largest non-bank provider of sustainable credit across the continent.
That vision is already taking shape. In 2025 alone, Oxygen X has disbursed over ₦3.5 billion in consumer loans to about 4,000 active customers, providing both salaried and self-employed Nigerians with the right level of financial support, without the barriers and hidden costs that often frustrate first-time borrowers.
Beyond cash loans, Oxygen X is expanding access to essential assets through its “Pay Small Small” financing model, partnering with HPZ Thermocool for electronics, Zoome Energy for electric vehicles and batteries, and VGL Energy for solar products. The company has also teamed up with Intelligra to provide flexible device financing, ensuring customers can acquire the tools they need to work, earn, and grow.
“From day one, we’ve been intentional about delivering real impact,” said Olayinka Alimi, Acting CEO of Oxygen X. “Our first-time loan offers are designed to give Nigerians not just access to credit, but the right amount, on the right terms, so they can achieve their goals without unnecessary setbacks.”
The company’s new nationwide campaign, “You Are Next”, captures this mission, encouraging Nigerians who have the drive but lack the capital to take their shot. By providing competitive first-time loan deals and innovative financing options, Oxygen X is bridging the gap between ambition and achievement.
From survival to success, Oxygen X is helping go-getters across Nigeria take that crucial first leap, because the right loan at the right time can change everything.
To learn more, visit: oxygenx.africa or contact: Marketing@oxygenx.africa | 07007004444
