Send Money Now,
Settle Later.

No interest. No stress.

By signing up, you agree to receive a one-time verification code from 99Fi to confirm your

identity. We don’t send promotional messages. Standard message rates may apply. You’ll

be automatically opted out if you deactivate your account.

Google AppStore
App Mockup
Send Now. Settle Later

Support loved ones instantly — no interest, no delays.

Simple, Transparent Pricing

We charge one low processing fee to make urgent support possible — no interest, no hidden costs, no surprises.

Zero Transfer Fees

We Front It. You Finish It.

Need to send money but short on cash? We advance the funds, and you settle later with zero interest. It’s that easy.

Zero Transfer Fees

Use It Well. Unlock More.

Pay back on time to grow your limits, access exclusive
eatures, and build a strong financial track record

right from your phone.

Zero Transfer Fees
How It Works

Three Steps is all it Takes

Step 1

Sign up

Make your 99Fi account and show us your ID
It’s fast and secure.!

Step 2

Send Money

We help you send money right away — even if
your balance is low.

Step 3

Pay It Back On Time

You’ll get a clear date to pay us back. No
interest. No surprises.

US
UK
CN
NG
Send Now. Settle With Confidence.

Why People Choose 99Fi

Type Typical Services 99Fi
Cost Transparency $10+ plus hidden charges One small, clear fee Yes
Interest Charges 10–24% APR No Interest Yes
Getting Approved Need high credit score Quick approval. No hard checks Yes
Paying It Back Fixed, strict plans Pay monthly. Clear and simple Yes
Testimonials

Hear from People who Love Us

Quoted

With 99Fi, I can send money home to my family and manage my finances here in the US, all without breaking a sweat. It's like they designed it just for me.

Justin James
Andrew Da Costa
Quoted

Sending money home used to mean tight budgets. 99Fi gives me peace of mind, knowing I can take care of my family without compromising my own needs. It's a win-win.

Tola Ayeni
Tola Ayeni
Quoted

Discovering 99fi was a game-changer. Now, I can send money home with confidence, knowing I have the flexibility to pay later!

Amanda Julia
Amanda Julia
FAQ

Frequently Asked Questions

  • How does 99Fi Work?

    I
    1. Create a 99Fi Account: Sign up for a new account on the 99Fi platform.
    2. Verify Your Identity and Credit Eligibility: Complete the necessary steps to verify your identity and check your credit eligibility.
    3. Get Approved for 99Fi Credit: Once verified, receive approval for 99Fi credit.
    4. Enter Transfer Details: Specify the amount you wish to transfer and provide the recipient's details.
    5. Transfer Funds: Transfer the funds to the recipient within minutes.
    6. Flexible Payment Options: Choose to pay instantly or opt for our Pay Later feature (if available) with no interest or APR.Terms and conditions apply.

  • Does 99Fi charge interest or fees?

    I

    99Fi is simple and transparent. Here’s a breakdown

    1. Money Transfer Fees - $0: We do not charge any fees for sending money.
    2. Send Now, Settle Later:
      • No interest or APR
      • No hidden charges
      • Late Payment Fee: $30 (if repayment isn’t made by the agreed date)
      • Repayment Schedule: Provided clearly when you use the feature

  • Who can apply?

    I

    We use your information to:

    • Verify your identity
    • Prevent fraud
    • Securely authorize your access to certain features

    Your ID is passed securely to our verification partners and not stored by 99Fi.

  • Will this affect my credit score?

    I

    No. Using 99Fi or checking eligibility will not impact your credit score.

    Where permitted, we may report timely repayment activity to help you build a responsible usage record. This is done in compliance with data protection regulations and does not involve traditional credit lines.

  • Do I need credit history to use 99Fi?

    I

    No. A credit history is not required. We evaluate eligibility using other secure methods like identity verification, usage patterns, and risk screening.

  • Do I need to have a credit history to apply?

    I

    No, it is not necessary to have a credit history to apply.

  • Will you check my financial or account history?

    I

    To determine eligibility for the "Send Now, Settle Later" feature, we may securely access financial data such as your phone number verification, transaction behavior, and compliance indicators from third-party partners.

    By using this service, you authorize us to assess your profile and report account status and payment activity to approved compliance databases, including negative records such as late payments or delinquencies where legally permitted.

  • How do I opt out of marketing or data sharing?

    I

    By signing up, you agree to receive a one-time verification code from 99Fi to confirm your identity. We don’t send promotional messages. Standard message rates may apply. You’ll be automatically opted out if you deactivate your account.

    You can opt out of marketing communications or restrict certain data sharing by emailing us at [email protected].

  • How do I close my account?

    I

    To delete your 99Fi account:

    • Make sure your balance is fully repaid
    • Complete or cancel any pending transactions
    • Withdraw any remaining funds

    Then, send a deletion request to [email protected]. Some data may be securely retained to comply with legal and fraud-prevention requirements.

  • Need help?

    I

    Contact our support team through the in-app chat or email [email protected]. We’re here to help!

Join the New Way to Send
Support

Join thousands sending money with peace of mind and flexible repayment.