Constant Cash Loan App Review: APK Download, Customer Care Number
Looking for Constant cash APK to download or their customer care number? The Constant Cash Loan App might be just what you need. Operated by Magnet Lending Limited, Constant Cash offers instant personal loans of up to ₦300,000 — no collateral, no paperwork, and no drama.
In this in-depth review, we explore the app’s features, interest rates, eligibility, real user feedback, and how it compares to other digital loan apps in Nigeria.
What Is Constant Cash?
Constant Cash is a Nigerian digital lending app that provides quick, short-term personal loans through a fully digital process. It’s designed to help individuals access emergency funds without the usual hurdles of traditional banks — no queues, no guarantors, and no collateral.
Key Features:
- Loan Amount: Up to ₦300,000
- Loan Tenure: 90 to 180 days
- APR: 18% – 30% annually
- No Collateral Required
- Instant Bank Disbursement
- Fully Digital KYC Process
How to Apply for a Loan Using Constant Cash
Applying for a loan with Constant Cash is easy, fast, and entirely mobile.
Step-by-Step Guide:
- Download the Constant Cash App on the Google Play Store.
- Register with your BVN-linked phone number.
- Fill in your basic KYC details, such as full name, address, and employment status.
- Submit and wait for approval — decisions typically arrive within minutes.
- Receive the money directly into your bank account upon approval.
Constant Cash emphasizes a zero-paperwork, 100% digital journey, which sets it apart from many older or less user-friendly loan apps.
Example Loan Calculation
To give borrowers a clearer picture, Constant Cash provides a transparent loan breakdown:
- Principal: ₦5,000
- Tenure: 90 days
- Interest Rate: 21%
- Total Interest: ₦259
- Total Repayment: ₦5,259
This straightforward calculation and low entry point make it attractive for first-time borrowers.
Who Is Eligible?
To qualify for a loan on Constant Cash, you must:
- Be a Nigerian resident
- Be between 18 and 60 years old
- Own a valid BVN-linked bank account
- Have a steady income source
There’s no need for collateral or guarantors, which is ideal for freelancers, small business owners, or salaried employees who need urgent financial support.
What Users Are Saying About Constant Cash
One of the biggest strengths of the Constant Cash app is its strong user reception — with hundreds of verified reviews praising its ease of use, quick disbursement, and clear interface.
Positive Reviews
“It’s a really great loan app, and it’s even fast, reliable and easy to use. I’m a living testimony.”
– Susan Taylor, July 4, 2025
“Wow. One of the best loan providers in Nigeria. It was very easy and offers a good limit for first-timers.”
– Opeyemi Oyebamiji, July 13, 2025
“Very fast and reliable. App works very well. Payment and bank options are well listed.”
– Ezeadu Chidiebube, June 24, 2025
“Registration is superb and user-friendly. I hope I get approved soon.”
– Sakariyau Olayinka, June 27, 2025
Users highlight the smooth registration, clean interface, and fast processing times as top features.
Criticism and Common Complaints
Despite mostly glowing feedback, some users voiced concerns:
“Please I want my account closed. The loan limit is too small and repayment period too short.”
– Benjamin Abosi, June 19, 2025
“The loan amount is low, but I needed it urgently. Will return to update after disbursement.”
– Fashion House By LB, July 1, 2025
While most issues relate to low starting limits, many borrowers expect that limits will increase with responsible usage, as is common with revolving credit platforms.
Is Constant Cash Legit?
Yes, Constant Cash is legit. The app is operated by Magnet Lending Limited, and user reviews consistently verify that approved loans are disbursed without delay.
The company also offers clear customer service channels:
- 📞 Customer Support: 0201 887 0088
- 📧 Email: [email protected]
Additionally, Constant Cash uses advanced encryption and privacy protocols to protect user data, ensuring that all personal and financial details remain confidential.
Things to Watch Out For
While the app delivers on speed and simplicity, there are a few areas to keep in mind:
- Initial Loan Limits Are Small – First-time users may receive amounts as low as ₦3,000–₦10,000.
- Repayment Tenure Flexibility May Vary – Though advertised as flexible, tenure options might be limited based on your profile.
- Approval Is Not Guaranteed – Some users report being stuck at the verification stage for days.
That said, timely repayment typically leads to higher limits and longer terms.
Who Should Use Constant Cash?
Constant Cash is ideal for:
- First-time borrowers looking for a quick and easy loan
- Freelancers and small business owners needing short-term capital
- Salaried workers covering emergency expenses
- Anyone tired of paperwork-heavy loan processes
It may not be suitable if you need:
- High-value long-term loans
- Lower interest rates with extended repayment periods
- In-app loan calculators or more detailed pre-disbursement info
✅ Final Verdict: Is Constant Cash Worth It?
Yes — but with realistic expectations. If you’re looking for a reliable loan app in Nigeria with a fast application process, Constant Cash checks the right boxes. It’s user-friendly, trustworthy, and offers timely disbursement. However, don’t expect large amounts immediately or multi-month repayment options as a first-time user.
Pros:
- Fast loan approval and disbursement
- Transparent interest rates
- User-friendly mobile app
- No collateral required
- 100% digital process
Cons:
- Small initial loan amounts
- Limited tenure customization
- Approval delay for some users
