How Oxygen X Is Powering Nigerians Through Sustainable Digital Lending
Oxygen X Finance Company Limited, the digital lending subsidiary of Access Holdings Plc, is redefining access to credit in Nigeria through bold innovation, sustainable growth, and a clear purpose: to make a positive impact in Africa.
Established as the first stand-alone digital lending business by a major Nigerian bank group, Oxygen X is on a mission to become the world’s most respected African consumer lending business. Guided by its ambition to be the largest and most sustainable non-bank consumer lending company in Africa, the company is already making remarkable strides.
In 2025 alone, Oxygen X has disbursed over ₦3.5 billion in consumer loans to about 4000 active customers, affirming its entry into the highly competitive digital lending landscape. To further its goal of putting the customers at the forefront of their business and being the most respected African consumer lending business in the world, Oxygen X has launched pay small small asset financing with partners like HPZ Thermocool, Zoome Energy for electric vehicles and batteries and VGL energy for solar products, device financing schemes with partners like Intelligra.
“From day one, we’ve been intentional about delivering real impact,” Olayinka Alimi, Acting CEO, Oxygen X. “These results represent thousands of Nigerians who now have access to the financial tools they need to grow.”
As part of its ongoing mission to empower more Nigerians, Oxygen X is launching a new campaign titled “You Are Next.” The campaign celebrates the resilience and hustle of everyday Nigerians while spotlighting the role that access to fair credit can play in changing lives.
“Nigerians are natural-born hustlers,” the campaign states. “But behind every success story is a moment of luck—the right support at the right time. Oxygen X provides that support, helping turn survival into success.”
From cash loans to innovative credit products, Oxygen X is committed to bridging the gap between potential and progress, by giving Nigeria good loan amounts the first time, thus giving every Nigerian the chance to not just get by, but to thrive.
