Save & earn
HephSave
Grow your wealth with a little at a time.
- Save from ₦5,000, as often as you like
- Earn interest with no extra charges
- Experts put your money to work
Savings · Loans · Business & home finance
Your money, working as hard as you do.
Save from ₦5,000, unlock loans backed by your savings habit, and get financing for your business or home, from a Lagos team with over a decade in asset management.
- No charges on regular savings
- Funds in 2–5 working days
- Led by chartered accountants
₦5,000
Minimum to start saving
2×
Your savings as a loan on HephSmile
2–5 days
Loan disbursement time
10+ yrs
Team experience in asset management
The Heph family
One home for every money goal.
Pick what you need today. Saving, a quick loan, capital for your business or the keys to your own home.
Save to borrow
Most popular
HephSmile
Build a saving culture, with a loan waiting for you.
- Save consistently for 6 months
- Get a loan worth 12 months of savings
- Affordable rate, no guesswork
Quick loan
HephSlot
Short, flexible loans for life's urgent moments.
- Up to ₦500,000
- Repay over a maximum of 6 months
- Weekly or monthly repayments
Business finance
HephSecure
Capital to grow, and relief from expensive debt.
- Business financing with flexible terms
- We buy back your high-interest loans
- A simple, achievable repayment plan
Home ownership
HephSmart
Own a home without the financial stress.
- Reach your down payment faster
- Property financing in Lagos
- Plans built around your income
Salary advance
HephSleek
Get your pay before payday.
- Early access to your salary
- Cover bills without the wait
- Repay automatically on payday
HephSmile calculator
Save for 6 months. Borrow 12 months' worth.
We double your savings when you meet our requirements, so you can reach bigger goals sooner. Slide to see what your savings habit unlocks.
₦5k₦1m
You'll have saved
₦300,000
after 6 months
Loan you can access
₦600,000
at an affordable rate
Illustration only. Loan access depends on 6 months of consistent savings and meeting HIR's requirements. Rates are shared before you commit.
How it works
From sign-up to funded, in three steps.
-
1
Open your free account
Sign up online in minutes, or visit us in Sangotedo. Tell us what you're working towards.
-
2
Save or apply
Send in funds whenever you can, from ₦5,000 per transaction, or apply for the loan or financing that fits.
-
3
Grow and get funded
Watch your savings earn, and receive approved loans in 2–5 working days. Repay weekly or monthly.
Why HIR
Built on trust. Run by professionals.
Our mission is simple: grow and safeguard your assets using tested and trusted wealth-creation processes.
Speak with an adviserFunds safety
Your money is managed with discipline, integrity and full accountability.
Competitive rates
Interest reviewed quarterly against the market, and kept competitive.
Prompt disbursement
Approved funds land in 2–5 working days, when you need them.
Easy to use
Save, track and manage everything from a simple online platform.
Real people, real service
Call, WhatsApp or walk in. Our team knows you by name.
Money education
Free workshops and webinars to sharpen your financial habits.
Leadership
Seasoned experts, looking after your money.
HIR Investment Limited is led by chartered professionals with decades of combined experience across multinational financial institutions.
14+ years in multinational financial organisations.
15+ years across financial services, consulting and academia.
A decade in retail business; UK-trained engineer.
- Integrity
- Professionalism
- Value-centric
- Accountability
- Ingenuity
Get started
Let's build your plan together.
Tell us what you're working towards. An HIR adviser will reach out on WhatsApp or by phone, usually within one working day.
Thank you, friend!
Your enquiry is ready. We've opened WhatsApp so you can send it straight to our team. An adviser will get back to you shortly.
- 0816 788 0142 · 0913 226 1929
- [email protected]
- Shop 63, Block B, Sangotedo Ultramodern Market, Ajah, Lagos
- Mon–Fri 9am–5pm · Sat 10am–6pm
What is the minimum amount I can save?
You can save from ₦5,000 per transaction.
How often can I send funds to HephSave?
As often as you like, whenever funds are within reach. There are no extra charges on regular savings.
Is the HephSave interest rate fixed?
Rates are reviewed quarterly in response to market conditions, and we keep them competitive.
How does the HephSmile loan work?
Save consistently for 6 months and you can access a loan worth 12 months of your agreed monthly savings, at an affordable rate. Your agreed monthly amount determines your loan access. Extra contributions mid-tenor add to your savings but don't change the loan amount.
HephSave or HephSmile: which should I choose?
It depends on your goals. HephSave is for growing your money; HephSmile is for building a habit that unlocks a loan. Talk to an adviser and we'll help you decide.
What is the maximum HephSlot loan?
HephSlot loans currently go up to ₦500,000, repayable within a maximum of 6 months.
How long does disbursement take?
Approved funds are disbursed within 2–5 working days.
How often do I repay a loan?
Monthly at minimum. Weekly repayments are available if they suit your cash flow better.
Do you finance property outside Lagos?
Not at the moment, but we're happy to consider opportunities case by case.
Small steps today. Big wins tomorrow.
Open your free HIR account and make your first deposit from ₦5,000.