loan apps

XCreditplus Loan App Review, APK Download, Customer Care Number

Xcreditplus makes it easy for people in Nigeria to access a loan, anytime, anywhere. Complete our application in seconds and receive your loan straight into your bank- account. Xcreditplus is like a bank in your pocket, there for you at all times.

Xcreditplus, developed by Xgo Finance Limited, a registered finance company based in Lagos, brings millions the convenience of flexible credit options at their fingertips. Whether you need ₦80,000 urgently or wish to expand your credit limits, Xcreditplus has you covered.

Benefits of Xcreditplus Loan

  • No paperwork, collateral, or registration fees
  • Simple requirements: just a single ID and Bank Account
  • Flexible repayments of up to 180 days
  • Exponential credit limit expansion
  • Industry-low rates starting from 0.1% per day

Additional Benefits

  • Borrow for up to 180 days with flexible repayment schedules
  • Transparent fee structure with no hidden charges
  • Daily interest rates as low as 0.1%
  • Increase your limit up to ₦100,000 quickly
  • SSL encryption ensures the security of your personal data
  • Respectful treatment even in case of late repayment
  • Refer friends and earn ₦3000 off your next loan

APK Download and How to Apply for Xcreditplus Loan

  1. Download the Xcreditplus app from the Play Store.
  2. Provide basic information to customize your credit score.
  3. Specify your desired loan amount and repayment date.
  4. Receive funds directly into your bank account.
  5. Repay easily using online payments or USSD code.
  6. Apply for your next loan with a higher limit post-repayment.


To qualify for Xcreditplus Loan, you must:

  • Be a Nigerian resident aged 18+
  • Have a valid ID and mobile number
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Terms of Xcreditplus Loan

  • Credit limit: ₦4,000 – ₦100,000
  • Daily interest rate: 0.1%-0.6%
  • Maximum APR: 36.5% – 182.50%
  • Loan duration: 90-180 days

Details of Interest/Fees:

For a loan principal of ₦4000 over 120 days at a daily rate of 0.1%, the total fee would be ₦480, making the total repayment amount ₦4480.

Repayment Example:

  • One-time repayment: ₦4480 after 120 days
  • Monthly repayment: ₦1120 per month

In conclusion, Xcreditplus offers a seamless way to access up to ₦100,000 instantly, with transparent terms and low rates. Explore the benefits and start your financial journey today.

Ibrahim Ismail

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

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