Overdraft

Uninterrupted financial access.

Ezra’s overdraft feature provides convenient, need-based access to credit — letting customers complete payments instantly, even with insufficient balance. No delays, no requests, just seamless support when it matters most.

Why Ezra

Auto approved from day one

Loans are approved instantly using wallet usage patterns — no forms to fill, no credit checks required. Customers get seamless access to credit based on how they already use their mobile wallet.

Always on, no extra steps

No need to apply each time. Overdrafts are built into the wallet experience — pre-approved and automatically activated when balances run low.

Instant settlement, zero hassle

Repayments are auto-deducted as soon as funds arrive, keeping the experience smooth, simple, and stress-free for customers and providers alike.

How it works

01
Overdrafts are pre-approved based on wallet activity
02
One-time setup — facility stays open if used responsibly
03
Automatically activates when the balance is too low
04
Limits grow with consistent wallet usage and good repayment behaviour
05
Repayments are deducted as soon as new funds are received

Built for real life

From paying at a shop or pharmacy to settling hospital bills, Ezra helps mobile money users complete urgent transactions even when their balance is low. It’s there for late-night electricity top-ups, unexpected expenses, or freelancers bridging the gap while waiting on delayed payments. Wherever timing matters, Ezra keeps things moving. 

Speak to our experts

Discover how Ezra’s digital credit solutions can fuel your business.