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This is also a financial assistance app specialized in helping customers quickly address immediate spending shortages. The app has been in operation since late 2023. It can be said that this is one of the earliest online lending apps. As of now, over 1.2 million customers have been successfully supported by Gogetcredit.

To achieve this, the app focuses on providing quick loans within the day, monthly repayments, competitive interest rates, and only requires borrowers to provide a single photo of identification. These are all things that any customer needing urgent money would find satisfactory. Furthermore, since lending is mainly done online, the app’s working hours are quite flexible. Whenever you need to borrow, there is direct assistance available. The app also introduces many interest rate discount programs such as borrowing ₦50,000, interest-free for the first 5 days, or no fees whatsoever.

Additional Information:

The app specializes in providing unsecured loans, without the need to visit a new office or provide collateral. The loan application and disbursement process are both carried out on the phone, with the only requirement being to hold personal identification documents in hand to receive the money immediately. Below is information about the available product packages:

  • Loan Amount: The app only approves loans ranging from a minimum of ₦1000 to a maximum of ₦160,000.
  • Repayment Period and Interest: From 1 month to 3 months.
  • Time to Receive Money in Account: Only 19 minutes from loan application.
  • Fixed Interest Rate: Only 12.5% per month, with flexible adjustments according to each period.

How to receive a loan of up to ₦55000?

Meet the basic eligibility criteria for borrowers

To receive financial assistance quickly from the app and ensure fast approval, borrowers must first meet some prerequisite conditions required by the app. Specifically:

  • Be a Nigerian citizen, aged 18 or above.
  • Have employment with stable monthly income to ensure repayment capability.
  • Have at least one bank account to receive and repay the loan on time.
  • Have a valid phone number used for at least 3 months.

Apply for the loan through the app and await disbursement

If you meet the eligibility criteria, follow the steps below:

Step 1: Download the Gogetcredit app from the phone’s app store. Once the installation is complete, open the app, enter your phone number, and input the OTP code received to register an account.

Step 2: Receive a call from the financial partner. You can discuss any queries directly with the call center representative, who will propose a suitable loan amount based on your preferences.

Step 3: Complete the loan application by providing personal information, bank account details, phone number, and a portrait photo.

Step 4: Wait for the application to be processed. Approval can take as little as 19 minutes, but it may take longer if you’re requesting a larger loan amount or if it’s your first time borrowing from the app.

Step 5: If your loan application is approved, you will receive a notification on your phone. Confirm your agreement to the loan, and the money will be transferred directly to your bank account.

Should you borrow money from the Gogetcredit app?

Firstly, you should consider your own needs to determine whether the loan is truly necessary. Although online unsecured lending offers many conveniences and makes borrowing very easy, it also carries inherent risks. Especially concerning the loan interest rates and repayment terms, you need to pay attention. Therefore, we recommend that:

  • You should only borrow money quickly online here if you need to address urgent matters or pay some bills while waiting for your salary.
  • If you are borrowing money just for shopping, dining, or unnecessary personal expenses, it is not advisable to borrow quickly. Because if you fail to repay on time, you will incur very high interest rates and fees.

From the information about Gogetcredit, we hope you can determine whether or not you should borrow money online. Even if you feel that Gogetcredit is a reliable app, it is still important to carefully read the terms in the loan agreement and avoid late repayments.