Ajomoni – Instant & Safe Loan App is one of the platforms offering quick, collateral-free loans with transparent repayment terms. But before borrowing, it’s important to understand how the app works, its loan charges, and what real users are saying.

This review covers loan features, interest rates, service fees, eligibility, customer service experience, user complaints, and whether Ajomoni is safe to use in 2025.

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What Is Ajomoni?

Ajomoni is a Nigerian digital lending app offering ₦10,000 to ₦1,000,000 personal loans with repayment periods between 91 and 365 days. The app highlights transparency, security, and compliance with Nigerian financial regulations.

You can apply directly from your phone, with no collateral, no guarantor, and 100% digital processing.

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Ajomoni Loan Features (2025 Update)

• Loan Amount: ₦10,000 – ₦1,000,000
• Repayment Tenure: 91–365 days
• Interest Rate (APR): 5% – 36% per year
• Service Fee: 1% – 5%
• Hidden Fees: None
• Collateral Needed: No
• Process: Fully online

The platform claims all fees are shown to customers before loan acceptance.

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Ajomoni Interest Rate & Example Calculation

Ajomoni provides a clear illustration of its loan charges:

Example:

• Loan Amount: ₦100,000
• Tenure: 365 days
• Service Fee (2%): ₦2,000
• Interest (5%): ₦5,000
• Total Repayment: ₦107,000

This helps borrowers understand the true cost before proceeding.

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Ajomoni Eligibility Requirements

To qualify for a loan, you must:

✔ Be a Nigerian resident
✔ Be 18 years or older
✔ Have a functional bank account
✔ Use a valid phone number
✔ Have verifiable income

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Ajomoni APK Download (Official Link)

Ajomoni is available on Google Play.
Official download link:
https://play.google.com/store/apps/details?id=ng.eyocredit.monipay.loan

The platform does not recommend using third-party APK websites.

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Ajomoni Customer Care Number & Contact Details

If you need support, Ajomoni provides the following channels:

📞 Customer Care Number: 09022348161
📧 Email: [email protected]
📍 Office Address: 99 Opebi Road, Ikeja, Lagos

The presence of real contact details is a good sign, especially for loan apps.

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Ajomoni Real User Reviews – What Borrowers Are Saying (2025)

One of the best ways to judge a loan app is by listening to users. Here’s a summary of real customer feedback from recent reviews:

Positive Experiences

• Fast disbursement & smooth process
  “Very simple and straightforward… I hope the experience remains the same.” — Ibu Alphonsus
• Reliable when urgently needed
  “Fast and reliable loan app… even got 100% discount.” — Femi Soremekun
• Approves even users with credit issues
  “Despite my bad credit record, I was still able to get a loan.” — Kehinde Adebayo

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Negative Experiences & Red Flags

• High commission/service charges
  Many users complained that the service fee is too high.
• Short repayment period for some users
  “Repayment date not friendly… corrections needed.” — Bashiru Alani
• Inconsistent disbursement
  Some users received less than the approved amount.
  “I applied for 6,000, but only 3,900 was sent, yet repayment is 6,000.” — Uche Precious
• Serious privacy concerns
  One major complaint stood out:
  “They called my contacts and sent defamatory messages even before due date.” — Ewatomi Iyanuasele This is a major red flag, as Google Play policy prohibits loan apps from harassing users or contacting third parties.

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Is Ajomoni Legit?

Ajomoni provides:

• A physical office
• Customer care number
• Transparent loan breakdown
• Google Play listing

However, allegations of:

• contact harassment,
• excessive service charges, and
• short repayment periods

mean users should proceed with caution.

It’s advisable to borrow only what you can repay comfortably and review fees carefully before accepting any loan.

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Ajomoni Pros & Cons

Pros

• Fast and straightforward application
• Clear loan cost breakdown
• Loans up to ₦1,000,000
• Early repayment discounts may apply
• Works even for some users with poor credit

Cons

• High service fee reported by many borrowers
• Possible short repayment cycles
• Some users complain of privacy violations
• Inconsistent disbursement for small loans

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Final Verdict: Should You Use Ajomoni Loan App?

Ajomoni is a legit Nigerian loan app offering quick access to funds, transparent APRs, and digital convenience. However, mixed user feedback—especially regarding high service fees and alleged contact harassment—means borrowers should carefully read loan terms and borrow responsibly.

If you need a fast loan and understand all charges upfront, Ajomoni might work for you. But always review the total repayment amount before clicking “accept.”