NiNiMoney Loan App Review: Customer care Number, APK Download

Sufi Umar

If you’re in Nigeria and searching for a fast, flexible personal loan app, you’ve likely come across NiNiMoney. Promising up to ₦999,999 with a quick application process and same-day disbursement, NiNiMoney positions itself as a reliable solution for short-term cash flow issues and big financial goals. But does it live up to the hype?

After testing the app and reviewing real user feedback, we’re breaking down what you really get with the NiNiMoney loan experience — the good, the frustrating, and what needs fixing.

What NiNiMoney Claims to Offer

The app markets itself as a straightforward, fast-track loan solution:

The standout feature is the 300-day loan option, which is longer than what many Nigerian loan apps offer. NiNiMoney claims complete cost transparency — no hidden fees and no surprise charges.

So far, so good. But let’s look at how the app actually performs.

The Onboarding Experience: Smooth Until the OTP Wall

Installing NiNiMoney is easy. It’s lightweight and doesn’t require much data to download. The interface is clean, and account registration is straightforward — in theory.

But the first major stumbling block appears immediately: the OTP (One-Time Password) issue.

A Wall of OTP Complaints

More than half of recent user reviews point to a major flaw: the OTP doesn’t arrive. This isn’t just a one-off glitch. It’s a repeated, widespread issue that affects both SMS and voice call verification methods.

“Your OTP doesn’t come. VERY USELESS APP.” — Ofomana Victoria
“Several failed attempts at getting/receiving OTP.” — Dorothy Echezona
“No text, no call. No way to complete sign-up.” — Dany Deezy

This means many users can’t even finish signing up, let alone apply for a loan. Without a functioning OTP system, the app’s promise of fast loans falls apart.

Application and Approval: Fast for Some, Frustrating for Others

For users who manage to get through the sign-up process, applying for a loan is reportedly easy and quick. You select your desired loan amount and term, fill in some personal details, and submit.

Some users, like Uzor Johnvianney, praise the app for being “very perfect” and “stress-free.” Others confirm that the application process is indeed simple.

“I like your app.” — Adeyemi Mojisola

However, approval isn’t guaranteed — and this is where transparency fades. Several users complained about being denied loans without explanation, even after giving the app a good review.

“You still refuse to give me a loan… I’m taking back my review.” — Sharon Badawusi

While NiNiMoney does state that loan decisions are based on criteria like credit history and income, it fails to communicate what those criteria are or why an application was denied. This lack of clarity leads to user frustration and erodes trust.

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Loan Terms: Fair, but Read the Fine Print

NiNiMoney clearly lays out the loan structure before you apply, which is a big plus.

A ₦999,999 loan for 300 days with a 0.15% daily interest rate will cost you about ₦450,000 in interest, bringing your total repayment to ₦1,449,999. That’s an APR of up to 129%, which is high but not unusual for Nigeria’s digital lending market.

The terms are not predatory compared to some alternatives, and the longer tenure is a real differentiator. If you qualify and accept the costs, NiNiMoney can be a decent option — but only if you actually receive the funds.

Disbursement: Immediate for Some, Missing for Others

When the app works, it really works. Loans are disbursed quickly for approved users. But again, the recurring issues (mainly around OTP and approval confusion) mean many users never get to this point.

And there’s another usability concern: several users report that the app asks for a bank name but doesn’t allow you to enter a bank account number.

“This loan app did not have [a] bank account number [field]. Please work on it.” — Solomon Ahunwa

This kind of technical oversight is unacceptable in a financial app where accurate banking information is critical.

User Interface & Design: Clean But Buggy

NiNiMoney’s UI is clean and easy to navigate. It doesn’t overload you with options or menus. The home screen is minimal, with clearly labeled tabs for loans, history, and support.

But the user journey is undermined by bugs. OTP failures, form input errors, and inconsistent approvals make the app feel unfinished and untested, despite its slick visuals.

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Security and Privacy: Strong on Paper

NiNiMoney emphasizes its commitment to user privacy and responsible lending. It has a publicly available privacy policy and a clear office address in Abuja.

The app uses standard risk controls and doesn’t overreach in its data permissions (at least from initial observations). That’s a plus in a market where many loan apps have been flagged for abusive data practices.

Customer Support: Not Always Responsive

While the app lists multiple contact points — email, hotline, office address — several users feel unsupported.

There’s no in-app live chat or bot, and email responses can be slow. If your OTP never arrives or your application is stuck, you might end up stranded.

“Loan decisions can be based on several factors… we recommend reaching out to customer service.” — NiNiMoney’s standard reply to complaints

That might be fine — if customer service actually solved the problems.

Final Verdict: Promising, But Not Reliable Yet

⭐ NiNiMoney Pros:

❌ NiNiMoney Cons:

Should You Use NiNiMoney?

If you manage to get past the OTP wall, NiNiMoney offers a legit personal loan option with decent terms and fast processing. But the app feels like it’s in beta mode, and too many users are stuck before they even start.

For now, it’s best suited for tech-savvy users willing to troubleshoot or contact support if things go wrong. Otherwise, you’re better off waiting for the app to improve its onboarding and support systems.

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