Ucee vs Oxygen X Finance

Ucee is a digital-first microfinance bank emerging from the strength of Africa’s leading investment bank and financial services group, United Capital Plc. At Ucee, we redefine banking to be more than just transactions; we serve as a partner in supporting and enhancing the quality of lives of our customers. OUR PURPOSE To democratize access to credit and innovative banking solutions. At the heart of our mission is financial inclusion; we believe that everyone, regardless of their background or financial standing, deserves equal access to financial empowerment. By breaking down barriers and bridging gaps, we provide inclusive, innovative, convenient and accessible banking services. OUR APPROACH Ucee adopts a cutting-edge hybrid banking model integrating the state-of-the-art technology, seamlessness, and flexibility of a neo-bank with the time-tested and durable operational infrastructure of a traditional bank. This fusion enables us to provide unparalleled financial solutions, giving customers the freedom to bank on their own terms – wherever, however, and whenever they want – through our physical branch located in the heart of Lagos Island and our digital channels (website and mobile app). OUR SERVICES Under this flexible model, Ucee customers enjoy access to a wide range of services, including savings, deposits, cardless withdrawals, bill payments and more. Whether at our physical location, the comfort of their home or a holiday destination, accessing these services takes just minutes with minimal documentation required. In line with our commitment to financial inclusivity, we offer a USSD feature, ensuring account holders without smartphones can conveniently avail of these services. Beyond transactions, we recognize that financial well-being is crucial for realizing life goals and aspirations hence, we provide personalized financial solutions, from target savings plans to budgeting tools, to help our customers not only manage their money but to empower them to live the life they envision.

Oxygen X – Simple Financial Solutions for Everyone Say hello to Oxygen X, the all-in-one app built to help you grow your money and access the financial solutions you need, simply. Whether you are planning for the future or handling today’s needs, Oxygen X empowers you to move money your way. Invest and Earn More - Start investing from just ₦50,000 - Earn up to 24.25% annual interest per annum - Pick a plan that aligns with your financial goals - Your journey to wealth creation begins here: simple, secure, and rewarding Need Extra Support? We've Got You Covered - Our dedicated support team is available to answer any questions - Call 0700-700-4444, email hello@oxygenx.africa, or send a DM - For those unpredictable moments, we offer instant loans up to ₦10,000,000 Why Choose Oxygen X? - Instant loans up to ₦10,000,000 – Get the cash you need, when you need it. - Flexible repayment plans – We will require your repayment from 91 days to 365 days - Affordable interest rates – Monthly rates from 2% to 2.5%, with a max APR of 30% per annum. - Transparent fees – Management fee of 1% (+7.5% VAT on Management Fee) and Credit Life Insurance (CLI) of 0.9% apply. - No collateral or paperwork – Apply with ease, no need for unnecessary formalities. - Fast disbursement – Receive funds into your wallet in minutes. Know Your Loan Terms Upfront - Borrow: N100,000 for 3 months - Management Fee (1%): N1,000 + VAT (7.5%) = N1,075.00 - Credit Life Insurance (0.9%): N900.00 - Total Fees Deducted Upfront (Mgt Fee + VAT + CLI): N1,975.00 - Net Loan Amount Disbursed to Customer: N98,025.00 - Interest (2.5% monthly flat rate): N7,500 (total for 3 months) - Monthly Payment: N35,837.00 - Total Payable: N109,485.08 Security & Trust You Can Count On - Licensed & regulated by the CBN - No hidden fees – Full transparency on all transactions - Safe & secure banking – Your information is protected - NDPR Audit Compliant – Your privacy is our priority Get Started in 3 Easy Steps! 1. Download the Oxygen X loan app 2. Sign up and verify your details 3. Start enjoying simple financial solutions From wealth-building to cashflow support, it all happens here. Oxygen X – To the Power of You. Contact Us - Customer Service Email: hello@oxygenx.africa - Customer Service Hotline: 07007004444 - Address: 1665 Oyin Jolayemi Street, Nigeria - For more information, visit us at: www.oxygenx.africa