Spendless Microcredit Cooperative is a national microfinance bank licensed by the Central Bank of Nigeria (CBN).

Spendless Microcredit Cooperative is committed to its passion for helping to improve the business opportunities of entrepreneurs by availing them of easy access to affordable loans, as well as improving the general financial status of everyone with its deposit accounts. It is a limited liability company duly incorporated in Nigeria under the 2002 Companies and Allied Matters Act, and is regulated by the Central Bank of Nigeria as a fully-fledged microfinance bank.