loan apps

NairaGo Loan App Review: APK Download, Customer Care Number

Discover the convenience of NairaGo, a Nigerian lending platform offering collateral-free instant loans for short-term emergencies. This review delves into the features, pros, cons, customer care, and more to help you make an informed decision.


NairaGo stands out for its short-term loans, providing a lifeline with a minimum repayment period of just 7 days. Perfect for emergencies, the application process requires only a BVN, a good credit score, and a stable income source.


  1. Seamless Online Process: Enjoy a 100% online process with 24/7 loan access.
  2. Automated Reviews: Experience swift disbursement through automated reviews.
  3. Generous Loan Amounts: Avail high initial loan amounts with extended tenures.
  4. Secure and Fee-Free: No additional fees, ensuring the security of personal information.
  5. Risk-Free Applications: Unsuccessful applications do not incur any charges.


  1. High Interest Rates: The app comes with relatively high-interest rates.
  2. Short Repayment Period: A short repayment window of 7 days may pose a challenge.
  3. Potential Delays: Users may experience delays in loan disbursement.
  4. Complex Repayment Process: The loan repayment process can be complex.

NairaGo Customer Care

For any assistance, reach out to NairaGo through the following channels:

  • Email: [email protected]
  • WhatsApp: +2348120987929
  • Address: Ososa St, Oworosoki 105102, Lagos, Nigeria

How to Use NairaGo

  1. Download the NairaGo loan app from the Google Play Store.
  2. Register and choose your desired product.
  3. Complete the application and submit it.
  4. Expect a verification call after submission.
  5. Receive approval notifications via SMS.
  6. Consent to the loan agreement.
  7. Confirm disbursement through SMS.

Is NairaGo loan app Legit?

NairaGo is legitimate, backed by a 3.3-star rating on the Google Play Store. Functioning customer care and positive user reviews validate its authenticity.

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NairaGo Interest Rates:

  1. Loan Term: 91 – 365 days
  2. Interest Rate: 16% – 30% APR
  3. Loan Amount: ₦ 3,000 – ₦ 300,000
  4. Service Fee: 0

Example Interest Calculation: For a ₦3,000 loan with a 3.4% interest rate and a 92-day term, the total payable amount is ₦3,102.

Note: Actual interest rates may vary, especially for first-time borrowers. Timely repayments can lead to lower interest rates.


NairaGo emerges as a reliable lending option with its online, collateral-free approach. Contact their customer care for assistance and rely on user reviews to assess the app’s reliability. Be mindful of potential costs associated with short-term loans.

Ibrahim Ismail

A passionate and highly skilled individual who has seamlessly blended the worlds of statistics, technology, and finance.

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