Olamide Famuwagun

Quick GTBank Loan USSD Code & How To Apply (2024)

February 5, 2024 by Olamide Famuwagun

GTBank offers a convenient solution for its customers. It is convenient with the ability to borrow money using a simple USSD code.

This service is designed to provide short-term loans directly from your mobile phone. If you’re facing an unexpected expense or need a quick cash infusion, GTBank’s loan service via USSD loan code is an easy-to-use option.

Wondering how? Read on as I discuss more on GTbank loans using their USSD loan code.

GTBank’s Loan USSD Code

The GTBank loan code for the QuickCredit loan is *737*51*51#.

Requirements include a GTBank account, proof of income, and employment details. Interest rates vary, check GTBank’s website for specific rates. Access quick funds with GTBank’s convenient USSD loan service.

Recommended – Top 7 Best Personal Loans in Nigeria

How To Borrow Money From GTBank

To borrow money from GTBank through specific loan types like Personal Loans and Quick Credit, follow these steps:

1. To apply for personal loans:

Have a salary account with GTBank.
Apply via internet banking, USSD code(*737*8*2#), or visit a branch.
Provide proof of income and employment details.

2. To apply for Quick Credit loan:

Available to both salary earners and self-employed individuals.
Apply through the USSD code *737*51*51#, internet banking, or GTBank’s mobile app.
GTBank may require proof of consistent income.

3. To apply for GT bank’s Salary Advance loan:

Salary must be domiciled with GTBank.
Use the USSD code *737*8*2#, internet banking, visit a branch, or use an ATM.
Salary details and employer’s consent.

GTBank Loan Requirements

GTBank loan requirements vary depending on the specific loan type. Generally, they include:

Account requirement: Most loans require having an account with GTBank.
Income proof: Proof of consistent income, like salary slips for personal loans.
Employment status: Details of employment for salary-based loans.
Business documentation: For business loans, documents such as business registration and financial statements.
Collateral: Some loans might require collateral.

Learn More – Banks Offering Instant Loans Without Collateral

GTBank Loan Interest Rate

GTBank offers various loans, each with an interest rate. The rates are competitive and designed to meet the needs of different customers.

For instance, the Quick Credit loan features an interest rate of around 1.33% per month. However, these rates can vary based on the loan type and market conditions.

Borrowers can check the specific rates for the loan they are interested in, either by visiting GTBank’s official website or contacting the bank directly for the most current information.

GTBank Quick Credit Loan

The GTBank Quick Credit loan offers a convenient way for individuals to access funds on time. Customers can apply for this loan by dialing the USSD code *737*51*51#.

The loan features an attractive interest rate of around 1.33% per month. This makes it a viable option for those seeking immediate financial assistance with a straightforward repayment plan.

Related Article – Zenith Bank Quick Loan Via USSD Code

Conclusion

GTbank offers some of the best loans for its customers to assess. From salary advances to school fees and Maxplus, their loan services are diversified, meaning there’s something for everyone. To get started today, simply visit their app or any of their offices close to you.

How to Share Data on Airtel in 2024 (USSD & App Guide)

February 5, 2024 by Olamide Famuwagun

Sharing and gifting data on Airtel is a convenient way for users to manage their data. It offers a more flexible and generous approach.

This service allows Airtel subscribers to share their data allowance with friends and family. They can also gift data to other Airtel users.

This guide will show you how to share data on Airtel using both the USSD code and the Airtel Thanks App.

How to Share Data on Airtel

Airtel offers two methods to share your data allowance with another Airtel subscriber in Nigeria:

1. Me2U (Data Share):

Here’s how to use Me2U:

Dial *141# on your phone.
Select “Gift or Share Data” (the option might vary slightly).
Choose “Me2U (Data Share)”.
Enter the recipient’s Airtel phone number.
Input the desired data amount to share (in MB).
Confirm the transaction by replying with “1” to the prompt.

2. Data Gifting:

This option lets you purchase a data bundle directly as a gift for another Airtel customer. Here’s how to use Data Gifting:

Dial *141# on your phone.
Select “Gift or Share Data” (the option might vary slightly).
Choose “Data Gifting”.
Select the data plan you want to gift.
Enter the recipient’s Airtel phone number.
Confirm the transaction by replying with “1” to the prompt.

Note: Sharing data via Airtel has limitations. You can only share a maximum of 200MB per day and the service works only with regular data bundles.sharemore_vert

How to Share Data on Airtel Via the Airtel App

Follow the steps below to share data via the Airtel app:

Download and Install the Airtel Thanks App
Login to the Airtel Thanks App
Select the ‘Share Data’ Option
Select the Amount of Data You Want to Transfer
Enter the Recipient’s Airtel Mobile Number. …
Confirm the Transaction

Important Things to Remember

You can share a maximum of 200MB of data daily with each recipient.
The shared data will have the same validity as your original data bundle.
You can only share data with someone after they’ve used their previous shared bundle.

Airtel Transfer PIN

For security reasons, it’s crucial to change your default Airtel Transfer PIN (1234) to a unique 4-digit number. You can change or retrieve your PIN by dialing *432# and following the prompts.

For more information on Airtel, check out my guides:

How To Borrow Airtime From Airtel

How To Share Airtime on Airtel

How To Check Your Airtel Number in 4 Ways (2024)

FAQs

How do I transfer data to another Airtel number?

Follow the steps for sharing data using the USSD code (*312#) and choose “Me2U” to transfer data.

How much data can I share at once?

The daily maximum per recipient is 200MB.

How to transfer 1GB of data from Airtel to Airtel in Nigeria?

Dial *312#, select ‘data gifting & Sharing’, choose ‘Me2U’, then ‘Send from allowance’. Enter the recipient’s number, specify ‘1GB’ as the transfer amount, and complete the process by entering your transfer PIN.

How can I know if someone is sharing my data on Airtel?

Regularly check your data usage to determine if someone shares your data on Airtel. Dial *140# to access your data balance, including remaining data and expiration details.

Also, monitor your account activity. Look for unusual data consumption patterns or transactions. If you notice any discrepancies or unexplained usage, it may show that your data is being shared without your consent.

Conclusion

Now, with the Airtel Me2U feature, you can share your data on Airtel. Also, this service allows you to gift from your subscribed data bundle at zero cost. All you have to do is dial *141# to share.

How To Apply For A Lapo Loan | Lapo Loan USSD Code (2024)

January 31, 2024 by Olamide Famuwagun

Individuals and small businesses alike need quick, convenient loans. LAPO Microfinance Bank is a leading financial institution in Nigeria. It understands this need.

It offers an innovative solution: loans accessible through a simple USSD code. This service revolutionizes the way people access financial support. It makes it faster, easier, and more accessible than ever before.

An Overview of Lapo Personal Loan

A personal loan is a specific amount of money you have access to borrow and use for numerous purposes.

The Lapo personal loans give you quick access to up to N500,000 for your personal needs. You can use this money to take care of your personal needs or run your business.

Also, this loan is collateral free and this makes it easily accessible to the underbanked population in Nigeria.

Types of Lapo Loan

1. SME loans

LAPO’s SME loans aid the growth and expansion of small and medium-sized enterprises. These loans usually offer larger amounts of funding.

This can be instrumental for businesses. They are looking to scale, purchase new equipment, or expand their operations. The requirement for collateral depends on the specific terms of the loan.

These loans have longer repayment periods compared to standard loans. This gives businesses more time to manage their finances.

They can also use the funds effectively. The aim is to support the entrepreneurial spirit and contribute to the growth of the SME sector.

2. Agriculture Loans

Agriculture loans are specifically tailored for farmers and agricultural businesses. These loans support various farming activities. They can be used for buying seeds, equipment, and other essential farming inputs.

These loans have lower interest rates, making them more affordable for farmers. This is one of their key advantages. Also, they might come with government subsidies.

This eases the financial burden on farmers even further. These loans are crucial. They aid the growth and sustainability of the agricultural sector.

They ensure that farmers have the necessary capital to maintain and grow their operations.

<<Recommended – How To Get Agric Loans in Nigeria

Public Sector Loans

LAPO offers Public Sector Loans to government employees who need personal loans. These loans are unique. These loans are directly deducted from the borrower’s salary.

The repayment process is straightforward and hassle-free. This structure eliminates the need for a guarantor, simplifying the loan process.

These loans are especially helpful for civil servants. They need quick access to funds without the complexities of traditional loan applications.

Regular Loans

Regular Loans from LAPO are for individuals and small businesses. They need a modest amount of money for their daily operations.

The repayment terms for these loans are relatively short, ranging from 6 to 12 months. These loans operate on a group or union basis. Individuals within a group can access loans. The group guarantees the loans.

This system is designed to make it easier for small businesses and individuals to access capital for business and personal needs.

Asset Loans

Existing LAPO customers can get Asset Loans to buy generators, refrigerators, grinding machines, etc. These assets boost business productivity.

The loan amounts range from NGN 20,000 to NGN 400,000, with a maximum repayment period of 11 months.

There’s also a one-month grace period before the repayment starts. This provides customers with some flexibility to organize their finances.

Education Loans

There are two forms of Education Loans: School Fees Loans and School Improvement Loans. School fee loans are designed for parents or guardians to cover the education expenses of their children in private schools, whereas School Improvement Loans are targeted at owners of educational institutions looking to upgrade their facilities.

These loans are vital in ensuring access to quality education and in aiding the development of educational infrastructure.

<< Read Also – Student Loan in Nigeria

Special Loans

Special Loans cater to the needs of regular LAPO customers. They need larger loan amounts to expand their businesses.

These loans are a step up from regular loans, offering higher amounts ranging from NGN 50,000 to NGN 250,000.

The repayment period for these loans is 6 months, with a grace period of one month. They support business growth among LAPO’s loyal customer base.

Public Sector Personal Loan (PSPL)

The PSPL is a credit product tailored for Nigerian civil servants. It is available through payroll lending at the state and federal levels. The loan amounts are significant. They range from NGN 20,000 to NGN 3,000,000.

The repayment structures are flexible. This loan has easy access and repayment. It does not require a personal guarantor. Repayments are made directly from the borrower’s salary.

<<Recommended – How To Obtain IPPIS Loan As a Federal Worker

Nano Loan (pCash)

Nano Loans, also known as pCash, are small, short-term loans. They are designed for urgent financial needs, such as medical bills or tuition fees.

These loans provide immediate financial relief for unexpected expenses. They are easily accessible. This ensures that borrowers can promptly meet their urgent financial needs.

How To Apply For a Lapo Loan

1. Try to meet the requirements before applying

Before applying, ensure you meet the eligibility criteria for the LAPO loan product you are interested in. Each loan type, such as SME loans, agriculture loans, or education loans, has its own set of requirements.

2. Gather necessary documents

You will need to provide personal identification, such as a national ID, driver’s license, voter’s card, or international passport.

You’ll also need to provide proof of income or business. This can include recent payslips, bank statements, or business registration documents.

You’ll also need to provide utility bills. Some loans may require additional documents. These can include guarantors, business plans, or evidence of agricultural activities.

3. Fill out the loan application form

Get and fill out the loan application form. You can do this by visiting a LAPO Microfinance Bank branch.

For some loan types, you can complete an online form. Ensure that all the information provided is accurate and complete.

4. Submit the application

After filling out the form and attaching all necessary documents, submit your application to a LAPO branch. Some loans might allow for online submission.

Once your application is submitted, LAPO will process it. This may involve a credit check, verification of documents, and possibly a visit to your business or home for assessment.

5. Approval and disbursement

If your loan application is approved, LAPO will inform you about the terms of the loan. This includes interest rates, repayment schedules, and any other relevant details.

Upon acceptance of these terms, the loan amount will be disbursed to your account. Adhere to the agreed repayment schedule.

Repayments for some loans, such as the Public Sector Personal Loan, may be deducted from your salary.

Lapo Loan USSD Code

To apply for a LAPO loan using their USSD service, dial *371# from the SIM linked to your bank account. Follow the on-screen prompts, including entering your Bank Verification Number (BVN).

You can access loans up to NGN 500,000 without needing collateral. Upon approval, the loan amount will be deposited into your bank account.

Repayments are automatically deducted from the linked bank account on the due date. Ensure there are enough funds available.

<< You may also be interested in 10 Quick Loan Apps Without BVN in Nigeria

Lapo Loan Interest Rate

The interest rates for LAPO loans can vary. This depends on the type of loan and the specific terms of the loan agreement.

For loans accessed through the LAPO USSD Loan code (*371#), the interest rates can range from 2% to 25% of the requested sum.

However, these rates are subject to change and may vary based on the loan amount, tenure, and other factors.

For the most accurate and up-to-date information on LAPO loan interest rates, contact LAPO Microfinance Bank or visit their official website.

Requirements & Eligibility for Lapo Loan

To be eligible for a LAPO loan and successfully apply, you must meet certain requirements. The requirements vary depending on the specific type of loan you’re seeking.

Generally, the requirements across various LAPO loan types include:

Applicants must be at least 18 years old.
You should have an active bank account with any commercial bank in Nigeria.
Applicants must be Nigerian citizens.
A good credit history is required, indicating no defaults on previous loans.
Source of income
Identification and documentation: This includes a duly completed application form. It also includes a current utility bill for address verification. Also, a valid ID (such as a national ID, driver’s license, voter’s card, or international passport) is required. Finally, two guarantors are needed. The number of required passport-type photos varies but usually involves at least two.

Specific loan types, like the Regular Loan, SME Loan, and Small Business Loan, have specific requirements.

These can include a minimum and maximum loan amount, loan term duration, and specific eligibility criteria tailored to the loan’s purpose. For instance, the Agric Loan is specifically for practicing farmers.

How Much Can Lapo Borrow Me?

Lapo can borrow customers up to N5,000,000 or more depending on the outcome of its customer assessment.

Essentially, the higher your net worth and income source as an individual or customer, the higher the amount of loan they are willing to grant you.

How Long Does it Take to Process Lapo Loan?

Lapo loan processing takes a minimum of 24 hours and could span up to 72 hours before approval. Higher loan amounts can take more days like up to a week before disbursement.

How can I contact Lapo?

Here are the numerous ways that you can contact Lapo Microfinance Bank:

Head Office Address: LAPO Place, 15A Ikorodu-Ososun Road, Lagos State.

Annex Office Address: 18, Dawson Road, Benin City, Edo State.

Phone Number: +(234) 813 984 0230

WhatsApp Number: 081 5055 3264

Email Address: info@lapo-nigeria.org

Website: www.lapo-nigeria.org

FAQs

How much can I borrow from LAPO the first time?

As a first-time borrower from LAPO, you can usually borrow amounts ranging from N30,000 to N500,000. The amount depends on the type of loan.

Does LAPO ask for collateral?

LAPO loans, especially small and micro-loans, generally do not require collateral. Larger loans, like SME loans, may require it.

Does LAPO give loans to salary earners?

Yes, LAPO offers loans to salary earners. These loans are offered particularly through their Public Sector Loan product.

Does Lapo have an app?

Yes, Lapo has an app available for download. The app was developed by LAPO Microfinance Bank. You can find the app on the Apple store.

Conclusion

Lapo personal loans are available to the underbanked population in Nigeria. They are also collateral-free, hence, you can access them with ease.

Just in case you need to get a loan for business or any other personal use, be sure to visit the Lapo branch closest to you and apply for one.

Palmcredit Online Loan App: Download & Reviews (2024)

January 25, 2024 by Olamide Famuwagun

Palmcredit is a digital lending solution available in Nigeria. It is operated by Newedge Finance Limited. It’s primarily a loan app that provides quick loans without collateral.

This feature has made it particularly appealing in the Nigerian market. Palmcredit’s services are aimed at individuals who need fast financial solutions. This includes personal and small business needs.

Palmcredit Loan

Palmcredit loans are notable for not requiring collateral, making them accessible to many users. They offer rapid loan approval, often within 24 hours, and quick disbursement of funds.

To apply, users must download the Palmcredit app. Then, they complete the registration, select the loan amount, and submit the application for approval.

Palmcredit Loan App

The Palmcredit loan app is a major player in Nigerian digital lending. It is operated by Newedge Finance Limited. The app offers loans without requiring collateral.

It is especially appealing for its quick loan approval and disbursement process. It often takes less than 24 hours. This speed and convenience have attracted a large user base.

The app has witnessed over 70,000 downloads on the Google Play Store.

However, Palmcredit has faced criticism regarding customer experiences and satisfaction. Users have reported issues with the app. For example, they’ve had poor customer service and technical problems.

They’ve had particular trouble with loan repayment and challenges with the login process. There are also concerns about unethical practices. For example, public shaming and blacklisting of customers over loan defaults raise questions about the application’s operational ethics. Despite these challenges, the app continues to be a widely used platform for quick loans in Nigeria.

How to Get a Loan From Palmcredit?

Step 1: Download The Palmcredit App

There are two ways to download the Palmcredit app. The first option is to visit their official website. For this, you will need to input your mobile number to get the app. The second way is to download the app straight from the Google Play Store.

Step 2: Complete Your Registration

After your successful installation, the next thing to do is to register. There will be on-screen instructions that you will have to follow. Provide all the necessary details the platform asks for and finish the KYC process. In addition, you may have to verify your phone number.

Palmcredit will send a code to your mobile phone. All you have to do is input the code in the app to complete the verification process

Step 3: Apply for Your Loan

Having completed your registration process, you can then apply for a loan. It’s as simple as ABC.

Step 4: Get approval

Once you have applied for the loan, you just have to wait to get loan approval. This usually does not take too long. Just make sure you provide the correct information.

Once you get your approval, you will then receive the loan. You can decide to send the money to your bank account right away.

Palmcredit Interest Rate

Their interest rates are competitive compared to other lenders in Nigeria. Rates range from 14% to 24% per month. The Annual Percentage Rate (APR) is 24% to 56%.

The loan terms range from 14 to 180 days; users can borrow up to ₦100,000.

Palmcredit Login

Firstly, ensure you have the Palmcredit app installed on your Android device. You can download it from the Google Play Store.
Once installed, open the Palmcredit app on your device.
The primary method of logging in involves entering your registered phone number. This phone number is the one you used when registering for Palmcredit.
After entering your phone number, you will receive a verification code via SMS. Enter this code in the app to verify your identity.
Upon successful verification, you’ll be prompted to enter your password. Make sure to enter the password that you set during the registration process.

However, if you’ve forgotten your password, there’s a process to reset it:

In the login screen, look for the option that says ‘Forgot Password’ or a similar phrase.
You’ll be asked to enter your registered phone number for verification purposes.
Palmcredit will send a password reset code to your phone via SMS.
Use the code you received to proceed with resetting your password.
Finally, you can set a new password for your account.

How to Withdraw From Palmcredit

Access your Palmcredit account by opening the app on your Android device.
Once logged in, go to the section of the app where your approved loan is displayed. This is usually clearly marked and easy to find.
Choose the amount of money you want to withdraw. This amount can be up to the maximum loan limit you have been granted.
Ensure that your bank details are correctly entered in the app. This is where Palmcredit will send the loan amount.
Follow the prompts in the app to initiate the withdrawal of the loan amount.
After you have confirmed the withdrawal, the funds should be disbursed to your bank account. The time it takes for the funds to appear in your account can vary, but it is usually quite swift.
Finally, check your bank account to confirm the funds have been deposited.

Learn more: How to borrow money from Opay in 2024

Palmcredit Loan Repayment

To repay loans on Palmcredit, users can log into the app, select the amount to repay, and complete the payment using their card. Users can make direct payments to Palmcredit’s bank account if there are issues with app-based repayment.

You would also need to provide proof of payment for reconciliation. Customer support is available for assistance with repayment and other inquiries.

Palmcredit Customer Care

Palmcredit has a customer service hotline that is available from Mondays to Fridays, 8:00 am – 5:30 pm Nigerian time.

You can reach them on the Palmcredit contact number – 0700 7256 4357 for your questions and complaints.

Conclusion

While their interest rates may be relatively on the high side, their application process is fast and reliable. Furthermore, there are flexible payment options to make your loan repayments more convenient. All in all, Palmcredit is a loan platform that is worth the try.

FAQs

Is Palmcredit approved by CBN?

Yes, Palmcredit is approved by the Central Bank of Nigeria (CBN). The parent company of Palmcredit is Newedge Finance Limited. It is fully authorized by the CBN to operate as a finance company in Nigeria.

How much can I borrow from Palmcredit?

The maximum amount you can borrow from Palmcredit varies, but users can borrow up to ₦100,000. The exact amount that each individual can borrow may depend on various factors. These may include their credit history and repayment capacity.

Is my BVN safe with Palmcredit?

Yes, your Bank Verification Number (BVN) is generally safe with Palmcredit. Palmcredit requires your BVN to verify your identity and credit records. They assure you that they do not access your bank account funds. The BVN is used primarily for verification. It ensures the security of the transaction.

12 Types of Loans Offered by Access Bank

January 22, 2024 by Olamide Famuwagun

Access Bank offers a diverse range of loan products. It caters to the varying needs of its customers. These loan offerings are designed to provide financial solutions for individuals, small and medium enterprises (SMEs), and larger corporations.

Potential borrowers must understand the types of loans offered by Access Bank. It helps them identify the best financial product for their specific requirements.

Below is the list of loan types offered by Access Bank.

List of Loan Types Offered by Access Bank

1. Personal loans

Access Bank’s Personal Loans for various personal financial needs. Their salary advance loans offer a swift solution for short-term financial gaps.

These loans are accessible without collateral or extensive documentation, making them ideal for emergencies.

They have a flexible repayment period of up to six months. They help people who need fast financial help. They don’t want complicated loan processing.

2. Vehicle Loans

These loans are for people who want to buy new or used vehicles. Applicants must give a pro forma invoice from an Access Bank-approved car vendor. Credit checks are also part of the application process.

They ensure the borrower’s financial stability and capability to repay the loan. This product is suitable for individuals. They seek reliable financing options for their vehicle purchases.

<<Recommended – Car Loan Companies in Nigeria

3. Home Loans

Access Bank offers mortgage products for buying or building properties. This addresses a vital need in the housing sector. Applicants must submit several documents.

These include mortgage application forms, employer’s confirmation, property title documents, and valuation reports.

This comprehensive documentation ensures a secure and responsible lending process. It makes it a reliable option for long-term property investment.

<<Read Also – Mortgage Loan in Nigeria & How To Get It

4. W Power Loan

This loan is to support women in business. It offers financial support for asset acquisition, infrastructure upgrades, and operational costs.

The loan tenure varies between 12 to 36 months, stipulating that eligible businesses must have at least 50% female ownership.

This loan empowers women entrepreneurs, promoting gender equality in business financing.

<<Read More – W Power Loan By Access Bank

5. Maternal Health Service Support (MHSS)

This loan helps women afford fertility treatments. It’s a service that supports women’s health and family planning.

Applicants need to provide documentation such as medical bills and employment verification. This ensures the loan is used for its intended purpose.

<<Read Also – Top 7 Best Personal Loans in Nigeria

6. Access More Mileage

This car financing scheme helps people buy new vehicles. It has an 18% interest rate. Plus, it includes extra fees like management and Credit Life Insurance fees.

It’s an appealing option for individuals who want to finance a new car purchase. The option offers structured repayment plans.

7. Creative Sector loans

These loans cater to the fashion, IT, movie production, music, and software engineering sectors. You need a business plan, financial projections, and a minimum 30% equity contribution.

They provide much-needed financial support for creative endeavors. This enables artists and creators to expand their businesses and projects.

8. Device Finance Loan

This loan is available to customers with a salary account at Access Bank. It facilitates the purchase of mobile devices or MTN airtime bundles. It comes with specific terms, including interest rates and penalties for late repayment.

This makes it a convenient option for those looking to upgrade their tech. They don’t need to make immediate full payment.

9. Lending Against Turnover (LATO) Loan Service

LATO is available to all Access Bank customers. They must have maintained an active account for at least six months.

It offers up to 300,000 Naira without formal documentation or collateral. It’s an excellent option for quick access to funds based on account turnover.

10. Access Bank Eazy Buy Finance Scheme Loan

This loan facilitates the purchase of GAC motors. It’s tailored for salary earners or verified business owners.

It allows individuals to own a vehicle with manageable repayment terms. It supports personal and business mobility needs.

11. Small Ticket Personal Loan

Targeted at salary earners, the small ticket personal loan offers up to 400% of your monthly salary, subject to a ₦2,000,000 cap. The tenure is 12 months, and the application can be made through the USSD code or QuickBucks.

12. Payday Loan

A payday loan is a type of short-term borrowing where a lender extends high-interest credit based on a borrower’s income and credit profile.

These loans have a high-interest rate and are for small amounts of money. The principal is usually a portion of the borrower’s next paycheck. Payday loans charge high-interest rates for short-term immediate credit.

<<Recommended – How To Apply For An Access Bank PayDay Loan

Access Bank 6 Months Loan

Access Bank offers a variety of loan products. It offers a 6-month loan option through its Salary Advance scheme. The Salary Advance loan allows you to access up to 200% of your net monthly salary and repay it for 6 months. This loan is especially convenient.

It offers a 24/7 service that doesn’t require a bank visit. You can apply via the QuickBucks App or a USSD code. No documentation or collateral is required for this loan.

To be eligible for the Salary Advance loan, your salary account must be with Access Bank. It must also be active for at least three months.

Your monthly salary and any active loans you may have with the bank determine the maximum amount you can borrow. Your eligibility amount is displayed when you request the loan.

<<Learn More – Top 10 Loan Apps in Nigeria With Best Interest Rates

FAQs

How do I qualify for a QuickBucks loan?

To qualify for a QuickBucks loan, you must have an active Access Bank account and meet the bank’s Risk Acceptance Criteria.

Why am I not eligible for Access Bank loan?

You might not be eligible for an Access Bank loan if you have outstanding loans, a salary account not domiciled in Access Bank, or if you haven’t met the bank’s Risk Acceptance Criteria.

How to Check NIN on Airtel

December 15, 2023 by Olamide Famuwagun

The NIN is a distinct, important feature in Nigerian identification. It plays a crucial role in the country’s security systems. The NIN is a unique 11-digit identifier for Nigerian citizens and legal residents. It is assigned to every individual.

This number is not random. It is important for accessing services in the country. The NIN is a gateway to governmental and non-governmental services. Its importance extends beyond basic identification.

Below are the methods on How to check NIN on Airtel:

How To Check NIN on Airtel

Open the dialer app.
Dial the USSD code *121# for Airtel subscribers. This code specifically designates access to NIN services. The general code for all networks is *346#
After dialing *121#, a menu will appear on your screen.
Select the “NIN Capture” option by following the prompts. This option is specifically for checking or submitting your NIN details.
If the system requests your NIN, carefully enter your 11-digit NIN.
Ensure accuracy while entering the number to avoid errors.
After entering your NIN, confirm the details are correct and submit.
You should receive a confirmation message on your phone screen or via SMS. The message will confirm the successful linking of your NIN to your Airtel SIM.
Be aware that using the USSD service to check your NIN may incur a charge, typically around N20. This fee is deducted from your phone credit balance.
You may need to retry the process if you encounter any issues or do not receive a confirmation. Otherwise, contact Airtel customer service for assistance.

Read: How to Link NIN to Airtel, MTN, 9Mobile, and Glo

How to Check if Your NIN is Linked to Your Airtel SIM

Dial *121*1# on your Airtel phone.
Enter your 11-digit NIN and press send.
You will receive a confirmation message. It will indicate if your NIN is successfully linked to your Airtel number.

Delaying the linking of your NIN to your Airtel SIM can have significant consequences. It is akin to risking the functionality of your mobile services. If you don’t link your NIN by the specified deadline, your Airtel line faces the threat of suspension. This will effectively cut off your access to crucial services.

This includes basic call and messaging functions. It also provides essential services. These include banking, voter registration, and eligibility for social security benefits. These often require NIN verification. Also, not following this rule could lead to fines. This would add to the inconvenience of losing services.

Read: How to Transfer Airtime on Airtel

Conclusion

You must link your National Identification Number (NIN) to your Airtel SIM in Nigeria. It ensures compliance with the National Identity Management Commission’s directives.

This process is vital to avoid the potential suspension of your Airtel line. It also enhances your security against identity theft and fraudulent activities. By linking your NIN, you also guarantee seamless access to essential services.

These include banking, voter registration, and social security benefits. The process of checking and linking the NIN is straightforward. It involves USSD codes and online platforms.

How to Check Airtel Data Balance

December 15, 2023 by Olamide Famuwagun

Data is life as we know it, but it can also go a lot quicker before you realize it. So, as an Airtel user, you would want to check your data balance.

Airtel has simplified this process. They provide several methods to check your data balance.

I’ll show you the various ways to check your Airtel data balance

Airtel Data Balance Check Code

Use the code *323# to check your data balance on Airtel.

Open Your Phone’s Dialer: Access the dial pad on your mobile phone.
Dial the USSD Code: The code to check the data balance for Airtel is *323#.
Press the call button to send the USSD request.
Your data balance will be displayed on your screen or sent via SMS.

Read: How to Borrow Data from Airtel

How to Check Data Balance on Airtel Via SMS

Navigate to your phone’s SMS or messaging app.
Type “BAL” and send it to 121, or “STATUS” to 141.
Airtel will send you a message with all your data balance information.

Read: How to Transfer Airtime on Airtel

How to Check Airtel Data Balance Via Airtel Mobile App

Download the app on the Google Play Store or Apple App Store for iOS devices
Search for “My Airtel” or “Airtel Thanks” app.
Install the app on your device. Ensure it’s the official app from Airtel.
Follow the prompts and log into the app
Navigate to the dashboard
Here, you will see an overview of your Airtel account. It includes your main balance, data balance, and other relevant details.
Look for the section or tab labeled ‘Data Balance’ or similar. This is where your remaining data and its validity will be displayed.

Conclusion

Airtel offers three convenient methods for checking your data balance. You can use a USSD code, SMS, or the Airtel mobile app. Regularly checking your data balance helps you manage your data usage effectively.

It also helps you avoid unexpected charges. Staying informed about your data usage with Airtel is just a few simple steps away.

How to Buy Data on Airtel

December 14, 2023 by Olamide Famuwagun

Airtel has been innovative in the telecom sector. They have also focused on customer service. Airtel has made significant strides in connecting people and simplifying telecommunications. It has extensive network coverage. It offers a variety of data plans tailored to different user needs.

In this blog post, we will provide step-by-step instructions on how to buy data on Airtel. These include USSD codes, the Airtel website, and the Airtel mobile app.

Below are the step-by-step guide on how to buy data on Airtel:

Using USSD Codes

USSD (Unstructured Supplementary Service Data) codes offer a quick and easy way to buy data on Airtel. Here’s how to use them:

Dial the USSD code: Dial *141# on your Airtel phone.
Navigate the menu: A menu will appear on your screen after dialing. Choose ‘Data Services’ or a similar option.
Select a data plan: You’ll see a list of available data plans. Select the one that fits your needs by entering the corresponding number.
Confirm Your Purchase: Follow the prompts to confirm your purchase. You’ll receive a confirmation message once the transaction is successful.
Also, you can *Dial *312#: This menu offers a wider range of options, including data plans, airtime top-up, and other services. Select “Data” and follow the prompts to choose your preferred plan and payment method.

Read: How to Transfer Airtime on Airtel

Using Data Plan Codes

Popular daily plans

40MB for N50: Dial *312*50# to activate and enjoy 40MB of data for a day.
100MB for N100: This option gives you 100MB for a day, perfect for essential browsing and social media. Dial *312*100#.
200MB for N200: Need a little more data? Dial *312*200# for 200MB valid for 3 days.

Bonus-filled weekly plans

350MB for N300: Get 350MB of data with an extra 1GB of YouTube Night for streaming entertainment. Dial *312*354#.
750MB + 1GB YouTube Night + More: This plan packs a punch with 750MB data, 1GB YouTube Night, 200MB Spotify, 210MB TikTok, and 210MB Airtel TV Streaming for 14 days. Dial *312*500#.
1GB + 1GB YouTube Night + More: Enjoy 1GB data, 1GB YouTube Night, 100MB Spotify, 105MB TikTok, and 105MB Airtel TV Streaming for 7 days. Dial *312*502#.

Other Plans:

2GB for N500: Dial *312*504# for 2GB of data valid for 2 days, ideal for heavy internet users.
6GB for N1500: Need serious data for a week? Dial *312*1504# and get 6GB of data to stay connected.

Read: How to Borrow Airtime from Airtel

Using Airtel’s Website

Another convenient option is purchasing data via Airtel’s website. This is especially great for people who prefer online transactions.

Visit the website: Go to Airtel’s official website.
Navigate to data plans: Look for the section on mobile data plans.
Choose your plan: Browse the available plans and select the one that suits you.
Log in or enter your number: You may need to log in to your Airtel account or enter your Airtel number to proceed.
Complete the transaction: Follow the on-screen instructions to complete the purchase. You’ll receive a confirmation once it’s done.

Read: How to Share Data on Airtel

Using Airtel’s Mobile App

The Airtel mobile app provides a user-friendly interface. It helps manage your account and purchase data.

Download the app: If you haven’t already, download the Airtel app from the App Store or Google Play Store.
Log in: Open the app and log in with your Airtel number.
Select data plan: Navigate to the section for data plans within the app.
Buy: Choose your desired plan and follow the prompts to complete the purchase. Confirmation will be sent to your phone once the transaction is successful.

Read: How to Borrow Data from Airtel

Conclusion

Purchasing data on Airtel is a straightforward process, accessible through multiple channels. You can choose the quick USSD code method (*141# or *312#). Alternatively, you can use the comprehensive and user-friendly Airtel website. Or you can try the convenience of the Airtel mobile app. Each option offers an easy and efficient way to stay connected. Following these simple steps, you can select a data plan that suits your needs. This ensures uninterrupted connectivity.

Top 10 Loan Apps That Don’t Require ATM Card: Your Ultimate Guide

December 5, 2023 by Olamide Famuwagun

Accessing financial services has become convenient, with loan apps playing a significant role. These apps let you borrow money fast, without needing the usual documents like bank statements or pay stubs.

However, some of these loan apps stand out for not requiring an ATM card. This makes them even more accessible to a wider range of borrowers.

In this blog post, we will explore various loan apps that do not need an ATM card. Also, we will guide you on accessing loans through them.

Overview of Loan Apps in Nigeria

The loan app market in Nigeria has grown because more people can access credit quickly. This is because of financial inclusion, smartphones, and the need for fast credit. These apps made borrowing money easier than traditional bank loans. They succeed by avoiding strict bank requirements and delays, with easier eligibility criteria. This appeals to those without formal banking access or limited credit histories.

Loan apps’ popularity also stems from their convenience and accessibility. Available on smartphones, users can apply anytime, anywhere, with a streamlined, user-friendly process. Unlike traditional bank loans, these loans are approved and given within a few minutes. This swift turnaround makes them ideal for those facing urgent financial needs.

These apps have changed Nigeria’s financial system. They make it easier for people to access and use credit. Users can now manage finances, meet obligations, start businesses, and enhance overall well-being. However, some apps may charge extra fees, have high-interest rates, or be unfair. Make sure to carefully read and understand the terms and conditions before applying.

10 Loan Apps That Don’t Require ATM Cards

1. Branch

Branch is one of Nigeria’s most popular loan apps that offers loans without requiring an ATM card. It provides loans ranging from ₦1,000 to ₦200,000 with a repayment period of 4 to 40 weeks.

The interest rate ranges from 15% to 34%. To be eligible for a loan, you must have a BVN, a valid bank account, and a smartphone.

2. Aella Credit

Aella Credit is a popular loan app in Nigeria. It offers loans without needing an ATM card. It provides loans ranging from ₦1,500 to ₦1,000,000 with a repayment period of 1 to 4 months. The interest rate ranges from 4% to 29%. To be eligible for a loan, you must have a BVN, a valid bank account, and a smartphone.

3. QuickCredit

QuickCredit is a loan app that offers loans without requiring an ATM card. It provides loans ranging from ₦1,500 to ₦500,000 with a repayment period of 1 to 12 months. The interest rate ranges from 5% to 30%. To be eligible for a loan, you must have a BVN, a valid bank account, and a smartphone.

4. FairMoney

FairMoney is a loan app that offers loans without requiring an ATM card. It provides loans ranging from ₦1,500 to ₦500,000 with a repayment period of 1 to 6 months. The interest rate ranges from 10% to 30%. To be eligible for a loan, you must have a BVN, a valid bank account, and a smartphone.

5. Renmoney

Renmoney is a loan app that offers loans without requiring an ATM card. It provides loans ranging from ₦50,000 to ₦6,000,000 with a 3 to 24-month repayment period. The interest rate ranges from 2.76% to 9.09% per month. To be eligible for a loan, you must have a BVN, a valid bank account, and a smartphone.

6. Okash app

Okash app is a loan app that offers loans without requiring an ATM card. It provides loans ranging from ₦3,000 to ₦50,000 with a repayment period of 7 to 14 days. The interest rate ranges from 0.1% to 1% daily. To be eligible for a loan, you must have a BVN, a valid bank account, and a smartphone.

7. GTB Quick Credit

GTB Quick Credit is a loan app that offers loans without requiring an ATM card. It provides loans ranging from ₦10,000 to ₦5,000,000 with a 6 to 12 months repayment period. The interest rate ranges from 1.5% to 5% per month. To be eligible for a loan, you must have a BVN, a valid bank account, and a smartphone.

8. Branch Loan App

Branch Loan App is a loan app that offers loans without requiring an ATM card or BVN. It provides loans ranging from ₦1,000 to ₦200,000 with a repayment period of 4 to 40 weeks. The interest rate ranges from 15% to 34%.

9. Umba Loan App

Umba Loan App is a loan app that offers loans without requiring an ATM card or BVN. It provides loans ranging from ₦1,500 to ₦50,000 with a repayment period of 1 to 3 months. The interest rate ranges from 4% to 21%.

10. Aella Loan Credit App

Aella Loan Credit App is a loan app that offers loans without requiring an ATM card or BVN. It provides loans ranging from ₦1,500 to ₦1,000,000 with a repayment period of 1 to 4 months. The interest rate ranges from 4% to 29%.

How to Apply for Loans Without an ATM Card

1. Choose a loan app

Find a trustworthy loan app that doesn’t need an ATM card to give you the loan. Before you get a loan, think about:

● How much money you need

● How long it will take to pay it back, the interest rate, if you qualify,

● What others have said about it (even though you understand your personal need more)

2. Download and install the app

Locate the chosen loan app on the Google Play Store or Apple App Store and download it onto your smartphone. Install the app and follow the on-screen instructions to create an account.

3. Provide personal information

Please provide your details like:

● Full name

● Date of birth

● Phone number

● Email and address.

You may also be asked to provide your Bank Verification Number (BVN).

4. Complete the application

Please complete the loan application form. Give information about your income, job, and debts. Certain apps might ask you to connect your bank account or give other financial details.

5. Submit the application

After you finish filling out the application, make sure to review the details before submitting it. The loan app will assess your eligibility and creditworthiness.

6. Receive loan approval

Once your loan is approved, you’ll get a notification, and the money will go straight to your bank account or mobile wallet. The app will provide details about the repayment schedule and interest rates.

7. Repay the loan

Make payments on time as agreed to avoid extra charges and harm to your credit score. Certain apps allow you to pay back money differently, like taking it directly from your bank account.

Before you borrow, make sure you can repay it and read the loan terms carefully.

Conclusion

Loan apps make it easy to get credit without the usual bank loan obstacles. These apps are appealing to people with limited access to banking or credit. They have easy requirements.

But be careful with loan apps because some may charge hidden fees, high interest rates, or have unfair lending practices. Before applying for a loan, ensure you understand all the terms and conditions.

To find the best loan, consider different options based on your finances. Look at interest rates, repayment terms, and eligibility criteria.

Best 10 Student Loan Apps in Nigeria

September 21, 2023 by Olamide Famuwagun

The education costs in Nigeria are rising and it’s frustrating. I know.

Good news! Certain Nigerian student loan apps have made paying for school easier and stopped students from leaving because of money problems.

In this article, we’ll navigate through the top 10 student loan apps in Nigeria.

Let’s dive in!

Top 10 Student Loan Apps in Nigeria

Here is a list of the top 10 student loan apps in Nigeria:

1. Carbon Loan App

Easily one of the most popular loan apps in Nigeria, Carbon offers individual loans that can serve several purposes including for schooling.

The platform offers up to N1,000,000 at an interest rate that ranges from as low as 5% to as high as 30% depending on the conditions of the loan.

The loan tenure is flexible.

This platform checks out your BVN (Bank Verification Number) to determine if you can get a loan.

You can find Carbon online, and it’s also on your phone with apps for both Android and iOS.

To be eligible for a Carbon loan, all you need to do is have a valid BVN and ID document which will be requested in the process of opening an account.

App Features

Free fund transfer to any bank in Nigeria.
You get quick access to cool benefits, like loans from ₦1,500 to ₦1 million, investment opportunities, paying bills, and saving cash.
11% interest on savings
Available for download on the Google Play Store and the iOS app store. Download Size is 21MB

App Benefits

Financial services on the app anytime, 24/7
easy to use and keeps your info safe
Bank transfers are fast and charges are pocket-friendly

2. Okash

Initially a subproduct of OPay, Okash is now a stand-alone product that offers loans of up to N500,000 to customers.

This loan can be used for several purposes including paying for school fees and its tenure can span as long as 12 months.

To obtain a loan from Okash, all you need to do is download the app and open an account by providing the requested details.

App Features

Version: 1.3.8
Updated On: 9^th June 2021
Downloads: 1,000,000+
Download Size: 11.86 MB
Offered By: Blue Ridge Microfinance Bank Limited
Released On: 28^th November 2019

Eligibility requirements

Applicant must be a Nigerian resident
The age range of applicants must be between 20 to 55 years
Possess a steady monthly source of income with a valid reason to obtain the loan
Valid ID card and BVN number

App Benefits

Easy loan access
Relatively low maximum loan amount of N50,000

3. FairMoney

FairMoney is a highly dependable loan app, especially for students in Nigeria.

This app provides loans ranging from ₦10,000 to ₦500,000, offering competitive interest rates between 10% and 30%.

You will need your Bank Verification Number and your debit card to obtain a loan.

Repayment terms are flexible, ranging from 1 to 18 months, and the entire application process is conducted online through the app.

App Features

Easy and quick access to Fairmoney Loan options
Send money to any Bank account in Nigeria
Account number. With this app, you can get an account number that you can use to receive money from any account in Nigeria.
Bill Payment

App Benefits

Loan processing on the app is seamless and hassle-free
The app is easy to use with first-time users in mind
Nice user interface

4. PalmCredit

PalmCredit is a top loan app in Nigeria, great for students.

You can borrow up to ₦100,000 with rates starting at just 14%. The repayment terms are flexible, from 14 to 180 days.

Plus, there’s a credit scoring system – responsible borrowing can get you even more funds due to higher credit scores accumulated over time.

You can apply for a loan by downloading the PalmCredit app from the Google Play Store.

Palm credit student loan apps in Nigeria

5. Branch

The Branch Loan App offers student loans from ₦1,000 to ₦500,000 with reasonable interest rates starting at 15%.

You can repay in 1 to 12 months, and there’s no need for paperwork or collateral, making it an excellent choice for students.

The eligibility requirements are also fair as you only need to have a BVN, a valid bank account, and an ID card. With these, you can open an account and apply for a loan.

App Features

Quick access to Branch loan options
The app has an excellent saving feature that allows you to save and earn up to a 20% return
Free Transfer to any Bank in Nigeria.
Pay bills all at zero Naira
The app is available for download on Google Play Store and the iOS Store. The download size is 7MB.

App Benefits

The app is easy to use
Branch Mobile app uses word-class security and data encryption to keep user data secure.
The user interface design is beautiful and easy to interact with.

Read: Loan in Minutes in Nigeria

6. Renmoney

Renmoney provides loans from ₦6,000 to ₦6 million at reasonable starting interest rates of 4.5%.

You can choose repayment terms from 3 to 24 months, and the application process is straightforward with no need for collateral.

Additionally, they offer insurance for added security to protect borrowers from unfortunate and unseen circumstances.

App Features

Instant Access to all Renmoney Services. These include quick loans, savings, and investments.
The app allows you to transfer from your Renmoney account to other bank accounts
Download size is 7MB

App Benefits

The Renmoney loan app has a highly responsive page with a great user experience.
Convenient and secure
They design the app using the best security and privacy standards.
The loan application process on the app is seamless and hassle-free.

7. Kiakia

This platform is ideal for students in need of a platform that offers fairly high loan amounts. It is a Peer-to-peer (P2P) lending platform that connects loan offers and receivers without collateral.

Overall, the application process is fast and you can get a quick loan.

Its minimum loan amount starts at N50,000 with an interest rate of 3.5% per month. However, it has a short repayment tenure of 7 to 30 days.

Also, note that the platform mostly requires that borrowers have a source of income before they can access loans.

App Features

Amazing P2P lending opportunities
Quick response time and loan approval duration

App Benefits

Rapid loan disbursement time
Easy loan application process
No collaterals or guarantors required

8. Aella Credit

Aella Credit provides substantial loans from ₦100,000 to ₦1 million with competitive interest rates, beginning at 4% per month.

You can repay within 1 to 4 months, and the application process is entirely online through their website or mobile app.

App Features

Quick and easy access to loans in 5 minutes.
Bill Payment feature. You can pay for your electricity bills, airtime recharge, etc.
Aella care. Access to health insurance on the mobile app
Aella Notes. You can invest in the app and earn returns of up to 26%.
The app is available for download on Google Play Store and the iOS store. App size is 5.3MB

App Benefits

The app is easy to use with first-time users in mind.
You do not have to pay any agent or convenience fee to make any transfer

9. Migo loan

Migo, previously known as Kwikmoney and Kwikcash, is a San Francisco-based loan company operating in Nigeria and Brazil. Migo caters to end-users, loan companies, banks, and merchants.

It offers suitable loans to students looking to pay their fees ranging from N500 to over N500,000. Normally, customers start with a small loan amount and grow your loan offers over time as you build trust with the system.

You can obtain a Migo loan through their web interface, or the loan app. If you don’t own an internet-enabled device, you can use the Migo USSD code.

Depending on how much money you borrow, Migo charges 5 – 15% on loans and you have to repay between 14 – 30 days.

10. Quickcheck

QuickCheck is a student-friendly loan app in Nigeria, providing loans of up to ₦500,000 with interest rates ranging from 2% to 30%. Repayment terms can extend up to 12 months.

Getting a QuickCheck loan is a breeze: Simply download the app from your preferred app store, create an account, and submit your loan application. And just like other options, no collateral or guarantor is needed.

Like other loan platforms, QuickCheck requires your BVN for security and verification purposes; and your bank account number to disburse your approved loan.

Quick check student loan apps in Nigeria

App Features

Version: 4.3
Last Update: 23^rd June 2021
Downloads: 1,000,000+
Download Size: 16.25MB
Offered By: get loans
Released On: 5^th July 2016

App Benefits

No collaterals or guarantors required
Quick disbursement time of a few minutes after loan approval
Easy-to-use platform

How to Choose the Right Student Loan App

Here are some key factors to keep in mind when choosing a student loan app:

Interest Rates: Compare the interest rates offered by different loan apps. Lower interest rates mean you’ll pay less over the life of the loan. Look for apps with competitive rates.

Loan Amount: Determine how much money you need for your specific purpose, whether it’s tuition fees, living expenses, or other educational costs. Choose an app that offers loan amounts that meet your requirements.

Repayment Terms: Check the repayment terms offered by the loan app. Longer repayment periods can make monthly payments more manageable, but they may result in higher overall interest costs. Consider what works best for your financial situation.

Charges: Be aware of any fees associated with the loan, such as processing fees or late payment charges. Some loan apps may have hidden fees that can add to the cost of borrowing.

Credit Score Requirements: Some loan apps require a minimum credit score for approval. If you have a limited credit history, look for apps that consider other factors like income or offer loans to borrowers with lower credit scores.

Application Process: Consider how easy it is to apply for a loan through the app. A streamlined, user-friendly application process can save you time and frustration.

Loan Disbursement Time: If you need funds quickly, check how long it takes for the loan to be disbursed. Some apps offer same-day or next-day disbursement, while others may take longer.

Customer Support: Reliable customer support can be essential if you encounter issues or have questions about your loan. Look for apps that provide responsive customer service.

Alternatives to Student Loan Apps

Certainly, there are alternative ways of financing education in Nigeria that don’t involve student loan apps:

a. Scholarships and Grants:

Government Scholarships: Many Nigerian state and federal governments offer scholarships to students based on academic merit, financial need, or other criteria. Students can apply for these scholarships to cover tuition, fees, and sometimes even living expenses.

Institutional Scholarships: Some universities and colleges in Nigeria offer scholarships to outstanding students. These scholarships may be based on academic achievement, leadership, or other talents.

Private Scholarships: Various private organizations and companies offer scholarships to Nigerian students. These can be based on specific fields of study, demographics, or community involvement.

International Scholarships: Some foreign governments and institutions provide scholarships to Nigerian students for study abroad programs. These can cover tuition, travel, and living expenses.

b. Work-Study Programs:

Some Nigerian universities and colleges offer work-study programs that allow students to work part-time on campus while pursuing their degrees. These jobs can help cover living expenses and provide valuable work experience.

c. Part-Time Work:

Students can seek part-time employment off-campus to supplement their income. This may include jobs in retail, hospitality, tutoring, freelance work, or online gigs.

Conclusion

There are several loan apps in Nigeria at your disposal today. Essentially, the trick is to understand your peculiar needs and choose a loan app that completely satisfies them. Also, do well to keep the factors in mind that will guide your choice in selecting the best student loan apps in Nigeria for you.

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