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Need a Quick Loan
Without Hassle? As a civil servant, you deserve fast and easy access to funds.
Access loans for asset acquisition, emergencies, and more, with approval in just 1 hour – no collateral required. Apply Now As a civil servant, you deserve fast and easy access to funds.
Get approval in just 1 hour – no collateral required. Overthinking No Dey Solve Problem –
Need a Loan? MCO Penny is your solution!
Fast loans for civil servants and uniformed officers. Get your money in 1 hour. No collateral, no stress, no headache. Apply Now Fast loans for civil servants and uniformed officers. Get Approved in 1 hour. No collateral, no stress, no headache.
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Quick Loans & Financial Services Tailored To Civil Servants

Get funded

Get a loan in three easy steps.

Fill out the application
Fill out our loan application form with accurate information.
Submit Your Documents
Provide the required supporting documents. (Passport Photograph, Staff ID and Valid Means of Identification, One Most Recent Pay Slip)
Approval & Disbursement
Within an hour, we'll disburse the funds directly to your account. No fuss, no collateral, no stress

Get funded in as little as 1 hour, any day of the week, even on Sundays

PUBLIC SECTOR PAYROLL
LOANS

Our public sector payroll lending facilitates loans for federal and state civil servants

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Investment
Opportunities

Let us help you build a secure financial future through smart investment opportunities.

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Smart Saving

We help you achieve your goals by setting up smart savings plans.

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Financial Solutions

From proof of funds to investment advice, we are committed to guide you.

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MCO PENNY

MCO Penny Limited

Unlocking Opportunities in Public Sector Business

We’re dedicated to providing innovative solutions tailored to meet the unique needs of public civil servants nationwide. By empowering these individuals, we aim to foster financial stability, comfort, and economic growth.

Our Partner
WHY CHOOSE US

Reasons to Choose Us As Your Financial Partner

Open Everyday
Access loans and support any day of the week including Sundays, because we know your financial needs don't wait.
Fast Approval Times
Get the funds you need quickly! We offer rapid loan processing, with approvals in as little as 1 hour. We understand your urgency and strive to get you your money fast.
No Collateral Required
Access convenient loans without the burden of collateral. We make borrowing easier, especially for civil servants, by removing this traditional barrier.
Flexible Repayment Plans
Enjoy stress-free repayment with our flexible plans. We work with you to create a repayment schedule that fits comfortably within your budget.
Dedicated Customer Support
Our team of friendly and knowledgeable professionals is here to support you every step of the way.
Trusted and Reliable
We are a registered and FCCPC licensed financial services provider (RN: 1807369) . We adhere to strict regulatory guidelines and ethical lending practices. You can count on us.
Your Partner in Public Service

Sectors We Support

Investing in public sector business has the potential to be a game-changer, driving economic growth and positively impacting lives. At MCO Penny Limited, we believe in the transformative power of public sector business.

Nigeria Police force
Nigeria Correctional Services
Lagos State Civil Servant
Tertiary Institution Staff
Civil Defense Staff
All Federal Civil servants(MDA)
Achievements

Our Impact In 1 Year: Over 2000 Clients Supported

We’re excited to for the milestones and the positive impact we’ve made in the lives of Nigerian civil servants within one year. With over 2000 clients served and ₦200 million+ disbursed, we’re continuing to grow and expand our reach.

Tertiary Staff
Correctional Services personnel
Federal MDA employees
Nigeria Police Force members
Over 1 Million Naira
Disbursed SUCCESSFUL
Trusted by over 1000
Active Clients and counting
No 1 Financial partner
for civil servants Across Nigeria
Testimonials

What Our Customers Say?

MCO Penny has been a game-changer for my finances. Their loan helped me consolidate some debt and get back on track. More than just a loan, they provided financial guidance that has empowered me to make better decisions about my money. I'm grateful for their support and would definitely use them again.
Mr. Emeka
Civil Servant
As a lecturer, unexpected expenses can be a real burden. MCO Penny came through for me with a loan that was approved incredibly fast. The application was easy, and I had the funds in my account within an hour. It was a lifesaver!
Mrs. Adebayo
Teacher, Lagos State
I needed a new laptop for my work at the Ministry, but I didn't have any assets to use as collateral. MCO Penny's no-collateral loan was the perfect solution. The process was so convenient, and I was able to get the laptop I needed without any stress. I highly recommend
Mrs. Fatima
Civil Servant, Lagos State



    APPIONTMENT

    Schedule consultation

    Ready to take the next step? Contact us to discuss your loan options or for any financial guidance you may need. We’re here to support you.

    Phone Number
    +234 906 831 0708
    Office Address
    i014 Ogba central Mall, Beside Sunday Market, Ogba, Ikeja
    Opening Hour
    Mon to Sun - 08:00 - 17:00