X3 Leasing - Trusted Financial Institution in Lagos

X3 Leasing Limited is a consumer finance firm offering diversified loan and investment solutions for businesses, organizations, and individuals. Our primary objective is to make the process of borrowing money convenient, secure, and transparent. From small business loans to salary advances, we provide easy loans in Nigeria with benefits of instant disbursements, minimal interest rates, and round-the-clock customer support.

Under the care of X3 Leasing, MyX3 and Loan35 are two loan platforms in Nigeria also providing financial assistance to match different needs seamlessly.

Our Loan Solutions


We help the working class to achieve their month-end goals easily with our salary advance loans. Our quick loans for salary earners in Nigeria provide financial assistance starting from 50,000 to 5,000,000 Naira supported with instant disbursal and flexible payments.


Our Local Purchase Order or LPO financing services in Nigeria empower vendors and contractors to match their supply order requirements with ease and efficiency. With swift loan approval processes, our LPO financing in Lagos and Nigeria enables exporting businesses to continue running operations and fulfill demands in time.


We facilitate smooth business workflows by providing invoice discounting finances against overdue payment receipts for delivered services. With a maximum loan amount of 50,000 Naira, our invoice discounting services make for convenient and reliable business loans for small businesses.


We help organizations to kick start business operations with enough working capital loans. Fulfill critical business expenses such as procurement of raw material, vendor payments, bills, etc. with our instant working capital cash flows.


Our business loan solution extends to industry-specific equipment leasing finances. We help organizations to lease essential equipment at attractive interest rates for order completions and gain ownership with easy installment cycles.

Our Investment Options

₦1,000,000 - ₦10,000,000 12 months 12.00% Upfront
₦1,000,000 - ₦10,000,000 4 months 13.00% Monthly
₦1,000,000 - ₦10,000,000 12 months 15.50% End Of Tenure
₦10,000,000 and Above 12 months 13.50% Upfront
₦10,000,000 and Above 4 months 15.00% Monthly
₦10,000,000 and Above 12 months 16.00% End Of Tenure

Do you need financial assistance without
bank hassles?

Looking for zero-risk returns
on investments?

Why Invest In X3 Leasing

  • 1

    We use all invested funds for salary and business loans. All salary and business loans are secured by an insurance company. The insurance company indemnifies against job loss risk, death or permanent disability.

  • 2

    Our default loan amount is extremely low, currently <1% of total gross loan portfolio in 3 years.

  • 3

    We achieve operational efficiency by leveraging on emerging analytics (including AI*) and skilled underwriters to assess our loan requests before approval and disbursement (2-step validation).

  • 4

    Most (95%) of our current Loan Portfolio is backed by our existing capital base, so investors can liquidate their funds at Will, with Ease, and without Delay – No question(s) asked.

  • 5

    We offer the best loan in the market.


Meet our team members

Abiodun Atobatele,

Managing Director

Yinka Atobatele,

ED HR/Admin

Funminiyi Oluwoye,



Our Partners

Frequently Asked Questions

Loan Application

  • You Must;

    • have been in paid employment for more than 6 months.

    • operate a Current or Savings Account with verifiable monthly income.

    • have a Staff Identification Card.

    • have a Valid, Government Issued means of identification e.g. Driver's License, International Passport, Permanent Voter's Card etc.

    • have a passport photograph.

  • The amount you are eligible to depends on your earning capacity and the tenor of the financing.

  • You can apply by completing our application form located (Here) and a representative will contact you shortly after. If you are having difficulty applying online, you can try other contact means below.

    Send us a mail at lease@x3leasing.com,
    Call us on +234 809 091 3205 or +234 909 013 4748,
    Visit us at 8, Jubilee, CMD Road, Magodo.

  • To apply, you need to present the following:

    • a Six-month, salary account statement (in PDFormat), forwarded by your Account Officer

    • a copy of your Staff Identity card

    • a copy of government issued Identity card

    • a copy of a recent utility bill (not older than 3 months)

    • BVN number

    • Post-dated Cheques or Direct Debit Mandate

    • Telephone number(s) linked to your BVN

  • There are no charges or fees for registration or liquidation.

  • You can access a loan facility within 24 hours once all documents is completed.