https://www.northquestfinance.com/_next/static/chunks/4870-bf8ac851cb32ad02.js

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Funding can be through an added debit card or the NorthQuest Wallet, depending on the option selected during setup.")]},{question:"Can I break my QLock plan before maturity?",answer:[n("No. QLock investments cannot be broken before the selected maturity date. This is stated in the plan description before investment.")]},{question:"Is NorthQuest insured by NDIC or regulated by SEC?",answer:[n("NorthQuest Finance is licensed and regulated by the Central Bank of Nigeria as a finance company. It is not a commercial bank or an SEC-regulated investment platform. Contact our support team if you need clarification about how a specific product is regulated.")]},{question:"How can I contact customer support if I have more questions?",answer:[n("You may reach Northquest Finance Customer Support via:"),i([{text:"Email: [email protected]"},{text:"Phone: +234 707 879 3885"},{text:"Office Locations:",children:["Lagos: 8B Oluwakayode Jacobs Crescent, Lekki Phase 1","Abuja: Suite A53, Efab Shopping Mall, Area 11, Garki"]}])]},{question:"What makes NorthQuest different from other financial apps?",answer:[n("Most financial apps are designed to help you complete transactions or use a specific product. NorthQuest is built to help you make steady financial progress. As a CBN-licensed finance company, we combine trusted financial expertise with intuitive technology to help you save consistently, grow your money responsibly, and access credit when you need it, all while supporting your financial journey at every stage of life.")],learnHref:"/faqs",learnLabel:"Learn More"},{question:"How secure are my funds on Northquest?",answer:[n("As a CBN-licensed institution, Northquest Finance upholds stringent security protocols and regulatory standards. We combine robust risk assessment frameworks with expert fund management designed to ensure the safety and stability of your assets.")]},{question:"How can I open an account with Northquest Finance?",answer:[n("To open an account:"),i([{text:"Download the Northquest app via the Apple App Store or Google Play Store or access via the web."}]),n("Complete the sign-up process in a few minutes using basic personal or business details. Once onboarded, you can immediately begin accessing our suite of financial services.")]},{question:"What is Northquest Finance?",answer:[n("Northquest Finance is a Central Bank of Nigeria-licensed finance company committed to transforming financial services in Nigeria. We specialize in customized, client-focused capital solutions from investments and savings to loans focused on enabling clients to build and sustain financial prosperity.")]}],r=[{question:"How is my eligible loan amount calculated based on my investments?",answer:[n("Your eligible loan amount is determined by the value of your vested investments with Northquest. The higher your investment portfolio, the greater the loan amount you can access. This ensures we offer you a loan that aligns with your financial capacity while keeping repayment convenient and affordable.")]},{question:"Can I repay my loan early without penalties?",answer:[n("Yes, you can repay your loan early at any time without any extra charges or penalties. Early repayment may even reduce your total interest amount since you’re paying off the loan sooner.")]},{question:"What are the eligibility requirements for personal, asset-backed, and business loans?",answer:[i([{text:"Personal Loans: Active Northquest account for at least 1 month and a positive investment history."},{text:"Asset-Backed Loans: Collateral such as vehicles or real estate in addition to an active Northquest account."},{text:"Business Loans: Active business account, verifiable business income, and sometimes collateral depending on the loan size."}])]},{question:"How long does it take to get approved for a loan?",answer:[n("Loan approvals typically take 24–48 hours after you submit your application with all required documents. For asset-backed and larger business loans, approvals may take a little longer due to collateral verification.")]},{question:"What is the maximum amount I can borrow for each type of loan?",answer:[n("Personal Loans: Up to ₦5 million."),n("Asset-Backed Loans: Up to ₦50 million."),n("Business Loans: Up to ₦100 million, depending on business size and collateral.")]}],o=[{question:"What is a Northquest overdraft?",answer:[n("It is short-term cash access for eligible Northquest users with active Q-Lock savings. Your qualifying Q-Lock balance backs the overdraft, and approved funds are paid into your Northquest wallet.")]},{question:"Is the overdraft interest-free?",answer:[n("Yes. Overdrafts launch at 0% interest. The rate shown when you create a request is stored on that overdraft, so future rate changes only apply to new requests.")]},{question:"Who can qualify for an overdraft?",answer:[n("You need a fully verified Northquest account, overdraft access enabled, and at least one active Q-Lock with enough qualifying balance and at least 7 days left before maturity.")]},{question:"How is my available amount calculated?",answer:[n("Your available amount is based on qualifying Q-Lock savings that mature after your selected repayment date, minus any active or pe

1nding overdraft balance. The app shows actual dates and naira amounts before you submit.")]},{question:"Will my Q-Lock be broken when I take an overdraft?",answer:[n("No. Your Q-Lock stays active as backing for the overdraft. If an overdue balance remains unpaid, Northquest may place a lien on only the outstanding amount and recover it from the Q-Lock proceeds at maturity.")]},{question:"Where do approved overdraft funds go?",answer:[n("Approved overdrafts are disbursed directly into your Northquest wallet, where you can use the funds for short-term cash needs.")]}],l=[{question:"What is the minimum amount required to start an investment?",answer:[n("You can start investing with as little as ₦5,000. This low entry point allows you to grow your wealth gradually and access our structured investment plans.")]},{question:"How are my investment returns paid out?",answer:[n("Your returns can be paid monthly, quarterly, or annually, depending on the investment option you choose. This gives you the flexibility to align your returns with your financial goals.")]},{question:"Are there options to withdraw funds early from an investment?",answer:[n("Yes, early withdrawals are possible for some plans. However:"),i([{text:"Flexible and semi-flexible plans allow early withdrawal with minimal or no penalties depending on the investment."},{text:"Fixed and structured plans may require you to complete the agreed tenure or may charge a small penalty for early liquidation."}])]},{question:"What return can I expect on my investments?",answer:[n("You can earn competitive returns of up to 24% per annum, depending on the type and duration of your investment. Specific returns will be displayed in your chosen investment plan before you commit.")]},{question:"What types of investments are available with Northquest Finance?",answer:[n("Northquest offers a range of options, including:"),i([{text:"Flexible and Semi-Flexible Deposits – Short-term plans that allow more liquidity."},{text:"Fixed Deposits – Higher returns with fixed tenure commitments."},{text:"Structured Investments – High-yield plans in sectors like real estate, commodities/FMCG, and automotive, designed for long-term growth."}])]}],u=[{question:"How does an unstructured savings plan differ from a regular savings account?",answer:[n("An unstructured savings plan, also referred to as a flexible savings option it allows clients to deposit and withdraw funds freely, without fixed tenure commitments or withdrawal limits. In contrast, traditional savings accounts may impose structured terms, including set durations or limited access. Northquest’s flexible savings offering delivers high-interest earnings combined with on-demand access to funds.")]},{question:"Is there a minimum balance required to start earning interest?",answer:[n("No minimum balance is required to accrue interest on Northquest’s savings products. Returns begin accruing on the very first naira deposited.")]},{question:"How often is interest paid on my savings balance?",answer:[n("Interest on savings is credited daily, allowing customers to see their balance grow incrementally, every single day.")]},{question:"Are there any limits on withdrawals from my savings account?",answer:[n("There are no restrictions or hidden fees on withdrawals. Clients may access their funds at any time, fully in line with the flexible nature of the savings product.")]},{question:"What interest rate can I earn on my savings?",answer:[n("Northquest offers high-yield savings, with interest rates of up to 24% per annum depending on account usage and balances.")]}],c=[{id:"general",title:"General",items:s},{id:"loans",title:"Loans",items:r},{id:"investment",title:"Investments",items:l},{id:"savings",title:"Savings",items:u}],d={home:s,general:s,savings:u,qflex:u,qlock:u,autosave:u,loans:r,overdraft:o,investments:l}},4874:(e,t,a)=>{a.d(t,{Bs:()=>p,FM:()=>u,G3:()=>g,GI:()=>h,Le:()=>n,Qu:()=>c,UQ:()=>m,V7:()=>r,YV:()=>v,_y:()=>o,eD:()=>w,g3:()=>f,iL:()=>d,j$:()=>y,of:()=>l,sp:()=>i});let n=[.22,1,.36,1],i=[.16,1,.3,1],s={fast:.36,base:.66,reveal:1.3,hero:1.5,page:.34},r={type:"spring",stiffness:360,damping:32,mass:.7},o={type:"spring",stiffness:260,damping:28,mass:.8},l={y:-2},u={scale:.985},c={hidden:{opacity:0,y:30,scale:.985,filter:"blur(12px)"},show:{opacity:1,y:0,scale:1,filter:"blur(0px)",transition:{duration:s.reveal,ease:i}}};s.base,s.hero;let d={hidden:{scaleX:0,opacity:0}

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