Survival Loan - Doclumina
Designed by Doctors, For Doctors

Survival Loan:
Your Financial Lifeline

A dedicated support system for House Officers. Funding for licensing, travel, and settling down when you need it most.

Quick Approval

Funds within 24-48 hours

Loan Amount ₦267k - ₦801k
Interest Rate Competitive & Fair
Collateral None

Why This Loan is Different

Unlike traditional bank loans, our Housemanship Support Loan is crafted with the realities of medical practice in Nigeria in mind.

No Collateral

We understand that as a house officer, you may not have assets. Our loan is based on trust and your future earning potential.

Fast Disbursement

Funds within 24-48 hours of approval. We know medical emergencies and opportunities don't wait.

Minimal Docs

Simple application process. Just basic identification and proof of housemanship placement.

Flexible Repayment

Repayment begins only after salary stabilization (usually 2-6 months). Tailored to your rotation schedule.

Zero Early Penalties

Pay off your loan early without any additional charges when your financial situation improves.

Built on Trust

Created by fellow medical professionals who understand the unique challenges of working 48-hour shifts.

Built on Trust, Powered by Experience

This isn't just a financial product—it's a lifeline built by people who know what it means to live on allowances and face system delays.

Community-Driven

Ensuring transparency, support, and mentorship as you grow.

Doctor-Designed

Tailored to the unique challenges of the Nigerian healthcare system.

Empathy-First

Your medical journey should be exciting, not overwhelming.

Eligibility Criteria

Tailored for House Officers

You qualify if you have completed at least two months of housemanship and have no more than two months remaining. Must be in an MDCN-listed hospital.

Fresh Medical Graduates

Preparing for or currently undergoing housemanship programs across Nigeria.

Relocation Support

Young doctors facing relocation, accommodation, or urgent family needs.

Pre-Salary Support

Medical officers who have been posted but haven't received their first salaries.

Professional Development

Support for licensing, travel, clinical supplies, and professional exams.

Apply On-the-Go

Download the Doclumina mobile app to apply for your survival loan, track your application status, and manage your account anywhere, anytime.

Secure
Fast
Reliable
Doclumina App