Rates, Fees & Terms
What your money earns. What a loan costs.
The full breakdown behind every rate and figure quoted across SeedForce — savings interest, loan APR, and what’s included.
The loan figures below are illustrative examples pending final terms from Liberty. This page is not yet certification-ready for Google Ads’ Personal Loans policy — see internal ops checklist before submitting.
Savings
No fees. Interest tiered by how long you commit.
Your savings earn interest automatically, calculated on your contributions. There are no fees to save, withdraw, or maintain a goal plan on SeedForce.
| Savings term | Monthly rate |
|---|---|
| Up to 3 months | 1.50% / month |
| 4–6 months | 2.00% / month |
| Beyond 6 months | 2.33% / month |
Loans
If you borrow through SeedForce, here’s what it costs.
| Repayment terms | from [shortest term] to [longest term] |
| Maximum APR | [X]% |
| Example | Borrowing ₦[X] for [X] months costs ₦[X] in total, including all fees — that’s ₦[X] more than what you borrowed. |
The row above is left as fill-in-later placeholders until Liberty confirms final repayment terms, maximum APR and a real cost example. The calculator below gives an illustrative worked example in the meantime.
Try it yourself
Estimate a loan’s cost
What would a loan cost?
IllustrativeA worked example, not a quote — your actual APR and fees are confirmed by Liberty at application.
Fine print
SeedForce is operated by Seeds & Pennies MFB, Backed By Seeds Cooperative. Loan products are provided in partnership with Liberty. Terms subject to change; always review your specific offer before accepting.