Borrow what you need. Pay back exactly that.
Not a bank. Not a loan business. Zeezy Breez is money set aside to help Nigerians through a tight month — and you return the same figure you took. Nothing on top, ever.
Return it over
Same figure you received
How much we can release depends on what's currently in the fund and how many people are waiting. We'll tell you before you commit to anything.
Why it's free
There is no catch. Here's the actual reason.
“I watched people I know pay ₦40,000 back on ₦25,000 borrowed, and then get their family called about it. I had the means to put money aside so that a bad month doesn't turn into a year of debt. That's the whole idea. I don't take a cut.”
The fund is his own capital, not investors' and not depositors'. Nobody earns a return on your repayment. The only reason repayment matters is that the same naira goes straight back out to the next person waiting — so paying back on time is you passing the help along, not you paying a creditor.
Zeezy Breez is not a bank, not a licensed lender, and not an investment. We don't take deposits and we can't pay you interest either. If you want to add money to the fund rather than take from it, talk to us directly.
How it works
Three moves from here to money in your account.
Say what you need
Set the amount and how long you need it for. The plan in the hero is the whole agreement — one figure out, the same figure back. Nothing personal required to look.
Prove it's you
BVN or NIN for an identity check, and a bank account in your own name. That's it — no branch, no guarantor, no collateral, no one else to sign for you.
Get paid, return it on rails
Funds land in your own account. You get a dedicated virtual account to return the money into, so you're never chasing a reference or a phone number.
How much you can ask for
The ceiling is about steady income, not credit scoring.
There's no risk pricing here, because there's no price. The only question is how confidently you can return it, so the fund keeps moving.
If you earn a salary
₦50,000 – ₦500,000For the gap between pay cycles, a school fee deadline, a hospital bill, a rent shortfall. Return it across 1–6 months.
- BVN or NIN
- Current work ID
- Payslip from the last 3 months
- A bank account in your own name
If you trade or freelance
₦5,000 – ₦50,000For market traders, gig workers and small business owners with no payslip to show. Same terms, smaller ceiling, faster decision.
- BVN or NIN
- A bank account in your own name
- Aged 18 – 60
- Nothing currently outstanding with us
What it costs you
Nothing. Here's the whole list anyway.
Every line a Nigerian loan app usually charges you for, and what we charge for it. Print it, screenshot it, hold us to it.
| Charge | Amount |
|---|---|
| InterestNot a rate we've discounted. There is no rate. | ₦0 · 0% |
| Application or processing fee | ₦0 |
| Insurance or “service” fee | ₦0 |
| Early returnSend it back next week if you can. Costs you nothing. | ₦0 |
| Late returnNo penalty. Tell us and we'll rework the dates once, free. | ₦0 |
| Rollover or extension | ₦0 |
| Bank transfer to your account | ₦0 |
| Total cost of borrowing ₦100,000 | ₦0 |
Borrowers
People who read the number first.
“I restocked the boutique before the December rush. ₦100,000 out, ₦100,000 back. I kept checking for the catch and there wasn't one.”
“I've used three loan apps. This is the only one that told me the total before asking for my BVN.”
“Midnight emergency. Funded before 1am, and the money goes back off the virtual account on its own. I've since sent it back early twice.”
Straight answers
The questions you actually want answered.
What's the catch? Nobody gives money for free.
There isn't one, and you're right to ask. The fund is one person's own capital, put aside deliberately. Nobody takes a cut of your repayment, there's no upsell, no subscription, no insurance product attached, and we don't sell your data. The only thing we want back is the same figure you took — because it immediately goes out to the next person.
Are you a licensed bank or lender?
No, and we won't pretend otherwise. Zeezy Breez isn't a bank, a microfinance institution, or an investment scheme. We don't hold deposits and we can't pay anyone a return. What that means for you: no interest and no fees, but also none of the protections you'd get from a licensed institution — so read the agreement, and only ask for what you can genuinely return.
Will you message or call people in my phone contacts?
No. Never. We don't request contact-list access, we don't upload it, and there is no debt-shaming process here. If you fall behind, we contact you — by SMS, email and phone — and nobody else.
What happens if I can't return it on time?
Tell us before the due date and we'll rework the remaining dates once, at no charge, because there is no charge to add. What we ask is that you talk to us rather than go quiet — every naira sitting out past its date is a naira someone else is waiting on. Repeated silence means we can't help you a second time.
Why do you need my BVN?
Only to confirm you are who you say you are. A BVN check returns your name, date of birth and registered phone number. It does not give us your bank balance, your transaction history, or any ability to move money out of your account.
How do you make money?
We don't. There's no revenue model, no ads, no data sale, no premium tier. Running costs come out of the same pocket as the fund. That's also the honest limit of this: the fund is finite, so if we're stretched, we'll tell you rather than quietly decline you.
See your plan. Decide after.
Eleven seconds, no account, and no BVN until you've seen the figure and said yes. The figure you'll see is the figure you'll return.