Introducing the “survival Loan” – A Financial Lifeline Designed By Doctors, For House Officers
Funds within 24-48 hours
Unlike traditional bank loans, our Housemanship Support Loan is crafted with the realities of medical practice in Nigeria in mind.
We understand that as a house officer, you may not have assets to offer as collateral. Our loan is based on trust and your future earning potential.
Funds within 24-48 hours of approval. We know medical emergencies and opportunities don't wait.
Simple application process with minimal paperwork. Just basic identification and proof of housemanship placement.
Repayment begins only after salary stabilization (usually 2-6 months). Plans tailored to your rotation schedule and income flow.
No penalties for early repayment. Pay off your loan early without any additional charges when your financial situation improves.
Created by fellow medical professionals who understand the unique challenges of working 48-hour shifts and system delays.
This loan is specifically tailored for Nigerian House Officers, recognizing the frequent delays in their salaries—hence the name "Survival Loan."
You become eligible for this loan once you have completed at least two months of your housemanship and have no more than two months remaining before completion. To qualify, you must be currently serving in a hospital listed under the MDCN portal.
Preparing for or currently undergoing housemanship programs across Nigeria.
Young doctors facing relocation, accommodation, or urgent family needs.
Medical officers who have been posted but haven't received their first salaries.
Support for licensing, travel, clinical supplies, and professional development needs.
Get your survival loan in just 3 easy steps. No complicated procedures, no endless paperwork.
Fill out our simple online application form with your basic information and loan requirements.
Our team reviews your application within hours. Get approval notification via SMS and email.
Funds are disbursed directly to your bank account within 24-48 hours of approval.
This isn't just a financial product—it's a lifeline built by fellow medical professionals who understand what it means to work 48-hour shifts, live on allowances, and face system delays.
Our platform ensures transparency, support, and mentorship as you grow in your medical career.
Created by medical professionals who understand the unique challenges of Nigerian healthcare system.
We understand that starting your medical journey should be exciting, not overwhelming.
Download the Doclumina mobile app to apply for your survival loan, track your application status, and manage your account anywhere, anytime.
Apply for loans, check status, and manage repayments all from your smartphone.