Oxygen X Finance Company Limited, the digital lending arm of Access Holdings Plc, is transforming access to credit in Nigeria. The company is doing this through innovation, sustainable growth, and a clear mission to create a positive impact across Africa, the National Association of Online Security News Publishers (NAOSNP) reports.
A Bold Vision for Consumer Lending
As the first standalone digital lending subsidiary of a major Nigerian banking group, Oxygen X aims to become the world’s most respected African consumer lending business. Moreover, it is determined to be the largest and most sustainable non-bank consumer lender in Africa.
In 2025 alone, Oxygen X disbursed over ₦3.5 billion in consumer loans to about 4,000 active customers. Consequently, this achievement confirms its strong entry into Nigeria’s competitive digital lending market.
Innovative Financing Solutions
To keep customers at the centre of its operations, Oxygen X has introduced several asset financing initiatives. For example, “Pay Small Small” financing is available with HPZ Thermocool, Zoome Energy for electric vehicles and batteries, and VGL Energy for solar products. Additionally, the company has launched device financing schemes in partnership with Intelligra.
“From day one, we’ve been intentional about delivering real impact,” said Olayinka Alimi, Acting CEO of Oxygen X. “These results represent thousands of Nigerians who now have access to the financial tools they need to grow.”
Empowering Nigerians Through the ‘You Are Next’ Campaign
Oxygen X is reinforcing its commitment to empowerment with a new campaign titled “You Are Next.” This initiative celebrates the resilience and determination of everyday Nigerians. Furthermore, it highlights how fair credit can change lives.
“Nigerians are natural-born hustlers,” the campaign states. “Behind every success story is a moment of opportunity, the right support at the right time. Oxygen X provides that support, helping turn survival into success.”
From Potential to Progress
With instant cash loans and tailored credit solutions, Oxygen X bridges the gap between ambition and achievement. As a result, Nigerians gain the financial resources to not only get by but also to thrive.
