Need quick cash to sort out urgent expenses or manage your business flow? The Online Loan App offers fast, secure, and transparent loans to Nigerians — no collateral, no stress, and no hidden charges. Whether you need ₦5,000 or up to ₦2,000,000, you can get it in minutes with a few simple steps.
Why Choose Online Loan App?
✅ No Collateral Required
Forget the long bank queues and paperwork. All you need is your valid ID and an active bank account to apply for a loan — no collateral or guarantor needed.
⚡ Fast Disbursement
Once your loan is approved, funds are typically sent to your account within minutes. Disbursement speed may depend on your bank and network availability.
💸 Flexible Repayment
Enjoy peace of mind with repayment plans that match your cash flow. You can select repayment terms between 90 and 120 days.
📈 Increase Your Loan Limit
The more you repay on time, the higher your loan limit grows. Responsible borrowing builds your financial credibility and opens access to bigger loan amounts.
🔒 Highly Secure
Your personal and financial information is protected with advanced encryption — secured both in transit and at rest.
Loan Details
- Loan Amount: ₦5,000 – ₦2,000,000
- Repayment Tenure: 90 – 120 days
- Interest Accrual: No interest on the disbursement day; interest begins on T+1 (the next day). No interest charged on the due date.
- APR Range: 36.50% – 73.00% per annum
- Service Fee: Currently 0%
Example:
If you borrow ₦10,000 for 100 days at 54.75% APR, your interest is:
₦10,000 × 54.75% ÷ 365 × (100-1） = ₦1,485
Total repayment = ₦10,000 + ₦1,485 = ₦11,485 (no service fee)
How to Apply for a Loan
- Download & Register – Install the Online Loan App and sign up using your mobile number.
- Complete Your Profile – Provide the necessary personal and bank details to view your loan limit.
- Select Loan Plan – Choose the amount and repayment tenure that fits your budget.
- Review & Approval – Automated checks are carried out; approval is not guaranteed.
- Receive Funds – Once approved, your loan is instantly disbursed into your bank account.
Eligibility Criteria
To qualify for a loan:
- You must be a Nigerian resident aged 18 or older.
- You need a valid mobile number and an active bank account.
Privacy & Data Protection
Your privacy is our priority. The Online Loan App collects only the information necessary to provide and secure your service. All user data is encrypted to ensure safety and confidentiality.
📄 View our full Privacy Policy here: https://www.pactowoh.africa/#/privacy-policy-online-loan-android
Customer Support
Need help with your loan or app? Contact our friendly support team:
📞 Phone: +234 700 123 9957
📧 Email: onlineloan.help@pactowoh.africa
🕘 Office Hours: Monday – Saturday, 9:00 AM – 6:00 PM (WAT, UTC+1)
Important Disclaimers
Loan offers are subject to eligibility checks, verification, and approval. Disbursement time may vary depending on your bank or network. There are no hidden fees, and if any policy changes occur, APRs will be updated transparently.
Conclusion
The Online Loan App is one of the most reliable and transparent loan solutions for Nigerians. With quick approvals, flexible repayment, and strong data protection, you can borrow confidently and build your credit profile with ease. Download the app today and take control of your finances — securely and conveniently.