Don't sell it. Borrow against it.
Qeepa lends cash against the things you already own. A phone, a laptop, a camera. Up to 70% of what it's worth, in your bank by tomorrow. You get it back the day you've paid us off.
Find out what yours is worth.
Pick your item below and we'll tell you exactly how much you can borrow against it. No signup, no credit check.
Four steps. Roughly 19 hours.
First-time borrowers complete a quick ID check before their first loan (regulatory requirement, about two minutes). After that, every loan follows these four steps.
You take three photos
Snap the front, back and serial. Tell us the model. Our system checks live resale data on eBay, Swappa and Back Market.
We send the offer
You see the exact loan amount, interest, and monthly payment before committing. Decline it and there's no obligation.
We collect the item
Free courier pickup, or drop at a partner location. It travels in a tamper-evident bag to our insured facility.
Money lands
Bank transfer, usually before lunch the next day. Pay it back on schedule, or whenever, at the same price.
The fairer side of secured lending.
We don't run your credit, we don't sell your data, and we don't chase you if life happens. Here's exactly what we commit to.
Verified, not credit-checked
A quick KYC check (a photo of your ID and a selfie, two minutes) confirms it's really you. After that, approval is based on your item, not your credit history. Nothing we do shows up on your file.
Insured storage
Items are tagged, photographed and held in a climate-controlled facility. Covered for full agreed value.
Pay early, pay less
Interest accrues daily and stops the moment the loan closes. No early-repayment fees, no minimum interest.
No debt collection
If you can't pay, we just keep the item. Nothing on your credit file. Nobody calls. That's the whole consequence.
Things people ask before they download.
Is this a pawn shop?
Mechanically, a bit. We hold an item, give you a loan against it, and return it when you repay. Differences: app-based, live-market valuations, much higher LTV (70% vs ~30%), and we don't sell on missed payments. We just keep the item.
Why do you need my ID?
Financial regulators require us to verify who you are before lending. It's a quick KYC check: a photo of your government ID and a live selfie, done once. Without it we can't approve a loan, and any returning customer skips it from then on.
What if my screen is cracked?
We still quote it, just lower. Damaged items are valued at their actual resale price. Be honest in the photos and there are no surprises on arrival.
How fast is "by tomorrow"?
Median time from accepted quote to money in your account is 19 hours. Bank transfers themselves can take 1 to 2 business days, though most banks make the funds available the same day they post.
Can I borrow against more than one item?
Yes. Up to three items at once, capped at ₦5,000,000 total outstanding. Each loan has its own term, so you can repay one without affecting the others.
Where is Qeepa available?
We're rolling out region by region as we secure the right licences. Open the app and enter your details to check if we cover where you live.
What happens to my data?
We collect what's needed to run the loan and nothing more. No ad-tech SDKs. No selling. Delete your account and we delete the lot, minus what regulators require us to retain.
Cash today. Item back when you've paid us back.
That's the whole product. Download Qeepa and get an instant quote in five minutes, with no commitment until you accept the offer.
iOS 15+ · Android 11+ · English only for now