Oxygen X Finance Company has taken its “Right Where You Are” campaign to CMS and Obalende markets in Lagos, engaging traders, small business owners, and other Nigerians where they work and do business.
https://www.digital.zenithbank.com/ZEQ/ZEQ-jan-2026/index.html#p=1The activation enabled the Oxygen X team to speak directly with traders about access to credit and the practical financial needs of running a business, including restocking, managing cash flow and pursuing new opportunities.
The campaign reflects a simple belief: credit should be within reach of the people who need it.
“We need to close the gap in access to formal credit,” said Emmanuella Awogu, Brand Manager, Oxygen X. “The neighbourhood shop owner, the amala seller and the market trader may not have the paperwork, banking history or access that can make borrowing from a conventional lender straightforward. Yet they run viable businesses, serve customers, and contribute to the economy every day.
“Our role is to make credit more accessible. Through our digital channels and agent network, we are bringing loans closer to customers, so they do not have to leave their businesses or endure long waits to access financing. We want people to know that when they need credit, Oxygen X is right where they are.”
Backed by Access Holdings, Oxygen X offers personal, Small and Medium-sized Enterprise (SME), business and working capital loans to individuals and businesses. Customers can apply through the Oxygen X mobile app or website, while the company’s expanding agent network brings access into more communities and markets.
Oxygen X is also widening access to Buy Now, Pay Later (BNPL) financing through OxygenNow, which allows customers to purchase products and spread payments over time. Its growing network of BNPL partners includes Thermocool, Orca Mall, Konga, Redington and Izifin Technologies.
The CMS and Obalende activation forms part of Oxygen X’s broader “Right Where You Are” campaign, which brings credit closer to everyday Nigerians through direct engagement in the communities and markets where they live, work, trade and earn.
Whether it is a trader seeking funds to restock, a small business owner managing working capital, or an individual applying for a personal loan, Oxygen X is taking its message beyond digital platforms and into the places where customers conduct their daily lives.
Credit should not feel out of reach. Sometimes, it simply needs to meet people right where they are.
About Oxygen X Finance Company
Oxygen X is a digital-first consumer lending business committed to unlocking financial possibilities for Africans. A subsidiary of Access Holdings Plc, Oxygen X is built to redefine lending across the Access ecosystem by delivering financial solutions designed to help individuals and businesses thrive.
Built on advanced risk technology and a customer-first philosophy, Oxygen X is on a mission to become the world’s most respected African lending brand, one that empowers people to make smart financial decisions, improve their livelihoods, and move confidently to their next level.
From salary earners navigating monthly needs to entrepreneurs growing their hustle, Oxygen X provides accessible loans that create real impact. Our approach blends financial innovation with sustainability, ensuring that every loan given supports long-term progress for customers, communities, and the economy.
With a growing community of users, strong governance structures, and the backing of one of Africa’s largest financial ecosystems, Oxygen X is shaping the future of digital credit – one responsible loan at a time- https://www.oxygenx.africa/
