JaraMoni App Review 2025 – APK Download, Customer Care Number
In a country where financial emergencies can happen at any time, JaraMoni – Instant Cash Loan App has quickly become a go-to for Nigerians seeking quick, secure, and paperless personal loans. Operated by Evandale Lending Ltd, JaraMoni claims to provide fast approvals, flexible repayment plans, and secure transactions — but what’s the real user experience like?
Let’s take a closer look.
What Is JaraMoni and How Does It Work?
JaraMoni is a licensed loan app in Nigeria designed to make borrowing easy and accessible. Users can apply for loans from ₦3,000 to ₦300,000 and choose repayment periods between 90 and 365 days.
The application process is entirely online — no collateral, no guarantors, and no paperwork required.
Once your application is approved, funds are sent directly to your linked Nigerian bank account. For many users, this convenience and speed are what make JaraMoni stand out.
Loan Terms and Example Calculation
- Loan Amount: ₦3,000 – ₦300,000
- Loan Tenure: 90 – 365 days
- APR (Annual Percentage Rate): 12% – 36%
Example:
If you borrow ₦100,000 for 180 days at 0.06% daily interest, you’ll pay ₦10,800 in interest — making your total repayment ₦110,800.
This transparent breakdown helps users understand repayment expectations upfront.
User Experience: The Good, The Bad, and The Frustrating
What Users Love
Many users praise JaraMoni for its fast registration, user-friendly interface, and secure process.
“I got approved within a few minutes, and the money hit my account immediately.” — Maryam A., September 2025
Repeat users also highlight that JaraMoni rewards loyalty by increasing loan limits for those with good repayment history.
What Needs Improvement
However, not everyone has had a smooth ride.
Multiple users complain about long review times and delayed disbursements, sometimes taking up to three days for approval.
“I applied for a loan, and it’s still pending after days. Customer support doesn’t respond.” — Oxygen S., October 2025
Additionally, some borrowers have raised concerns about interest rates and limited short-term repayment options.
Customer Support and Contact Phone Number
If you experience issues or delays, JaraMoni provides multiple contact channels:
- Customer Care Number: 09022344579
- Email: ✉️ [email protected]
- Address: No. 98 Ajayi Road, Ogba, Lagos State, Nigeria
While support response time varies, reaching out via email tends to be more effective according to user feedback.
JaraMoni APK Download and App Availability
You can download the JaraMoni Loan App directly from the Google Play Store for Android users.
If you prefer manual installation, the JaraMoni APK can also be found through verified third-party platforms — but it’s always safest to download directly from Google Play to protect your device and data.
Data Privacy and Security
Security is a key promise from JaraMoni. The app is fully licensed in Nigeria and complies with data protection laws. All user information, including BVN and bank details, is encrypted and not shared with third parties without consent.
Final Verdict: Is JaraMoni Legit and Worth It?
Pros:
- Simple, 100% online loan application
- No collateral or guarantor required
- Quick disbursement for verified users
- Transparent interest breakdown
Cons:
- Approval delays for some users
- Interest rates may be high for short-term loans
- Customer service response can be inconsistent
Overall Rating: ⭐⭐⭐ (3/5)
JaraMoni is a legitimate and licensed loan app that delivers on convenience and accessibility. However, users should be patient during approval and aware of the interest terms before borrowing.
