Questions, answered clearly.

Our current funding range is from $3,500 to $15,000. The actual amount you may receive depends on your application, funding purpose, eligibility and approved financing arrangement.

Our current stated rate is an APR of 12%. Your applicable rate, repayment schedule and other terms will be set out in your approved financing arrangement.

Repayment is flexible, with terms of up to 30 months depending on your approved financing arrangement.

Yes. Our current financing structure provides for a moratorium period of up to 6 months, subject to the terms of your approved financing arrangement.

Funding may be used for eligible expenses connected to your approved relocation, work or study plans. The specific expenses that can be funded will depend on your application and approved financing arrangement.

You should request an amount that reasonably reflects your actual funding needs. Larger requests may result in a higher security deposit where collateral is not provided.

Vision AGC provides funding support and related services for Nigerians pursuing eligible opportunities abroad, including work and study-related relocation. We help bridge the financial gap between having an opportunity and having the resources to act on it.

Our financing is designed for Nigerians with a genuine and verifiable plan to relocate abroad for work or study who require additional funding for eligible relocation expenses

Funding may be available for eligible work, study, and relocation-related expenses. Your destination, purpose of funding, supporting documents and individual circumstances will determine whether your request qualifies.

You may be eligible if you have a legitimate and verifiable international opportunity, meet our assessment requirements, require funding for eligible expenses and are prepared to meet the repayment obligations attached to your approved funding.

Not necessarily. Eligibility depends on the nature and stage of your relocation or study plans. Your specific circumstances will be assessed during the eligibility and application process.

If you have acceptable collateral that satisfies our requirements, a security deposit may not be required. If you do not have acceptable collateral, a security deposit may apply.

Where acceptable collateral is unavailable, a security deposit equal to 0.85% of the requested funding amount may be required before you proceed with the full application.

A fair alternative for candidates who do not have collateral. A inclusive mechanism and level playing field for all. The security deposit serves a dual purpose as it efficiently curbs excessive funding requests because the higher the amount requested, the higher the 0.85% value increases. It encourages applicants to request funding amounts that reasonably reflect their actual needs.

If you indicated you don't have collateral during your eligibility check, We review other informations yo provided and if eligible, we email you a funding offer as well a request to process the 0.85% deposit to commence and start your application. You will receive the relevant instructions in the email response to your elegibility check.

If your application is declined, the security deposit is automatically refunded.

If your application is approved, the security deposit is credited towards your approved funding.

No. Where applicable, it is a security deposit connected to the funding request and is treated according to the outcome of your application.

No. Payment of the security deposit does not guarantee loan approval. The deposit is an alternative to collateral and allows your application to proceed through the same assessment process as applicants who provide collateral. Every application is independently reviewed based on eligibility, documentation, funding requirements and our approval criteria. If your application is declined, the security deposit is refunded in accordance with our stated process.

Not having collateral does not put you at a disadvantage. Our security deposit is designed as an alternative to collateral, allowing applicants without traditional collateral to access the same application and assessment process. Your chances of approval are assessed on the same basis as an applicant who provides collateral. We are committed to fair financial inclusion, so the absence of collateral does not automatically reduce your chances of approval.

Having acceptable collateral does not automatically guarantee approval. Your application is assessed on its overall merits, and applicants who provide acceptable collateral are considered through the same fair assessment process as applicants using the security deposit alternative. Where appropriate, combining acceptable collateral with the required security deposit may strengthen your application by providing additional security, but approval remains subject to our full assessment and approval criteria.

The first step is to complete our free eligibility check. If your request meets the initial requirements, you will receive email instructions on how to proceed as well as your secure application code.

Yes. Our eligibility checker is free and allows you to determine whether your destination and funding purpose may qualify before beginning the full application process.

Your eligibility request is reviewed. If you meet the initial requirements, you will receive further instructions on how to proceed with your application.

You will be required to provide identification and supporting documents relevant to your funding request. The exact documents required depend on your circumstances, destination, funding purpose and application.

Once you have submitted a complete application and the required documents, we typically provide a decision within 3 business days.

No. Applications are manually assessed by our team. Each application is considered based on the information and documentation provided - free and fair.

If approved, you will receive instructions by email explaining the next steps required to activate your funding and receive the approved amount. You may be required to book an online appointment before disbursement.

If your application is declined, you will be notified of the decision. Where a security deposit was applicable, it will be automatically refunded in accordance with our stated process.

Your repayment commencement date will be determined by the terms of your approved financing arrangement, including any applicable moratorium period Usually 6 months.

Yes, repayment is flexible.

Any early repayment options and applicable conditions will be stated in your financing agreement.

Your repayment amount depends on the amount approved, applicable interest, repayment period and terms of your financing agreement. Use the vision calculator to simulate your exact monthly repayment amount. Payment is monthly and cannot be repaid annually.

You should contact Vision AGC as soon as possible if you anticipate difficulty meeting your repayment obligations. Your available options will depend on the terms of your financing agreement.

Your approved financing agreement will contain the specific funding amount, applicable rate, repayment schedule, fees and other terms applicable to your facility. You can simulate your exact repayment amount using the vision calculator.

Yes. Vision AGC offers visa consultation to help applicants understand the requirements and considerations involved in their visa journey.

No. Visa decisions are made by the relevant government or immigration authority. Our role is to provide consultation and guidance; we cannot guarantee the outcome of a visa application. We however proudly assure you that the finest minds & hands will be handling your processing.

Yes. Our services are designed to support eligible Nigerians pursuing international work opportunities and the funding required to make their relocation possible. A non-refundable consultation and incubation fee applies.

Yes. Eligible applicants pursuing study opportunities abroad may apply for funding support for qualifying relocation-related expenses. A non-refundable consultation and incubation fee fee applies.

Our UK-COS Employment Package is designed to connect eligible applicants with UK employment opportunities offering sponsorship, whether they are already abroad or planning to relocate.

We take the security and privacy of information submitted through our platform seriously. Applicants should provide accurate information and only submit documents through the official channels provided by Vision AGC.

Information submitted during the eligibility and application process is handled in accordance with our applicable privacy policies and the requirements associated with processing your application.

Applications should be completed using your own accurate personal information. Where assistance is required, you remain responsible for ensuring that all information and documents submitted are accurate and genuine.