OgaCash Loan App Review 2025 – APK Download, Loan Requirements & Customer Care Number
Looking for a fast loan app in Nigeria? OgaCash Loan App claims to make your financial dreams come true by offering personal loans, consumer loans, and business loans without the stress of paperwork or long queues.
But with mixed reviews from users, is OgaCash really worth your time? Let’s break it down.
OgaCash Loan Features
- Loan Amounts: Varies depending on eligibility
- Loan Tenure: 63 – 180 days
- Interest Rate: 2% – 3% per month
- Maximum APR: 36% per year
- Collateral: None required for most loans
- Documentation: Valid ID required; guarantor may be needed for larger amounts
💡 Example Calculation:
If you borrow ₦20,000 for 3 months at 3% monthly interest (36% APR), you’ll repay ₦21,800 total (₦600 per month in interest + ₦20,000 principal).
Eligibility & Requirements
To apply for a loan on OgaCash, you must:
- Be 21 years and above
- Have a valid means of identification (e.g., BVN, NIN, or National ID card)
- Maintain a bank account in Nigeria
- Provide accurate personal details (false information may get your profile blacklisted)
How to Download OgaCash Loan App (APK)
- Google Play Store: OgaCash is available for Android users.
- APK Download: If the app is not on Play Store in your region, you can search for OgaCash APK download on trusted APK sites.
- Installation: After downloading, install the app, register, and follow the prompts to request your first loan.
How to Apply for a Loan on OgaCash
- Download & install the app.
- Register with your BVN, valid ID, and bank details.
- Submit loan request by choosing the loan amount and tenure.
- Wait for review – approval depends on your credit history and documents.
- Receive funds in your wallet or linked bank account if approved.
OgaCash Loan Customer Care Number
If you run into issues, you can reach OgaCash directly:
📞 Customer Care Number: +234 803 947 3056
📧 Email: [email protected]
🌐 Website: N/A (only via app for now)
User Reviews – What People Are Saying
Like many Nigerian loan apps, OgaCash has mixed reviews:
✅ Positive Feedback
- “Seamless sign-up, loan approved instantly. Highly recommend.” – Ben Frank
- “Smooth app, easy to navigate and apply.” – Adejoro Timilehin
- “Good for both personal and business loans.” – Timi Olatunji
❌ Negative Feedback
- “Fraudulent app. My repayment didn’t reflect correctly.” – Abayomi Ibironke
- “They collect information but don’t give loans.” – Usman Igboro
- “Account and BVN errors keep showing up.” – Kelly Nicest & Chidozie Okezu
- “OTP never comes, can’t even sign up.” – HotDjKay
Pros and Cons of OgaCash
Pros
- Multiple loan types (personal, business, consumer loans)
- No collateral required for most loans
- Flexible tenures (63 – 180 days)
- Fast application process
Cons
- Many complaints about fraudulent deductions and unreliable disbursement
- Technical glitches (invalid account errors, missing OTPs)
- Poor customer support response time
- Data privacy concerns (allegations of sharing personal info)
Final Verdict – Is OgaCash Loan Legit?
While some users praise OgaCash for quick approval and smooth app design, many others report fraud, errors, and poor customer care. The app has potential but currently struggles with trust and transparency issues.
Rating: ⭐ 2.7/5 – Easy to apply, but reliability is questionable.
If you decide to try OgaCash, start with small loan amounts and keep records of all transactions.
