Oxygen X Finance Company Limited, the digital lending subsidiary of Access Holdings Plc, is redefining access to credit in Nigeria with bold innovation, sustainable growth, and a clear mission — to make a positive impact in Africa.
As the first standalone digital lending business established by a major Nigerian banking group, Oxygen X is on a mission to become the world’s most respected African consumer lending company. Its ambition is clear: to be the largest and most sustainable non-bank consumer lender in Africa.
In 2025 alone, the company has disbursed over ₦3.5 billion in consumer loans to about 4,000 active customers, making a strong entry into Nigeria’s competitive digital lending space. To put customers at the heart of its operations, Oxygen X has introduced “Pay Small Small” asset financing in partnership with brands such as HPZ Thermocool, Zoome Energy (for electric vehicles and batteries), and VGL Energy (for solar products), as well as device financing 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.”
As part of its ongoing mission to empower Nigerians, Oxygen X has launched a new campaign titled “You Are Next.” The campaign celebrates the resilience and entrepreneurial spirit of everyday Nigerians while highlighting how fair credit can transform lives.
“Nigerians are natural-born hustlers,” the campaign message reads. “But 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 cash loans to innovative credit products, Oxygen X is bridging the gap between potential and progress — ensuring that every Nigerian has the chance not just to get by, but to thrive.