Online Loan - Fast Naira cash
Secure & Transparent Loans
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
ONLINE LOAN is a modern, reliable digital lending platform tailored for users across Nigeria. Built to deliver quick, simple, and secure credit access, ONLINE LOAN enables you to apply directly from your mobile phone and receive funds seamlessly. With custom repayment options, transparent terms, and hassle-free loan extensions, our mission is to provide you with the financial freedom you need, exactly when you need it.
Key Features
- No Collateral Required – Apply with your valid ID and bank account.
- Fast Disbursement – Typically within minutes after approval; actual timing depends on bank/network availability.
- Repayment Convenience – Choose plans that match your cash flow.
- Installment Option – Repay in stages and ease your financial burden.
- Limit Growth – On-time repayments may unlock higher limits.
- Secure by Design – Data encrypted in transit and at rest.
Loan Details
- Loan Amount: ₦5,000 – ₦10,000
- Repayment Tenure: 90 – 120 days (Installment payment available)
- Interest Accrual: No interest on the disbursement day; interest starts on T+1. No interest is charged on the due date, so the actual interest-accrual days are 89 - 119.
- APR Range: 20.99% – 36.00% per annum (APR includes interest and all applicable fees; currently, Service Fee = 0%)
- Minimum APR: 20.99%
- Maximum APR: 36.00%
Representative Examples
- ₦10,000 for 90 days at 20.99% APR, repayable in 2 installments:
- 1st Installment Interest = ₦10,000 × 20.99% ÷ 365 × (45 - 1) = ₦253
- 2nd Installment Interest = ₦10,000 × 20.99% ÷ 365 × 45 = ₦259
- Total Interest = ₦253 + ₦259 = ₦512
- Total Repayment = ₦10,000 + ₦512 = ₦10,512
How It Works
1. Download & Register – Sign up with your mobile number.
2. Complete Profile – Provide required details to view your limit.
3. Select Plan – Confirm amount and tenure.
4. Review & Approval – Automated checks; approval is not guaranteed.
5. Receive Funds – Disbursed to your bank account upon approval.
Eligibility
- Nigerian resident, 18+
- Valid mobile number & active bank account
Privacy & Data
- We collect only the data necessary to deliver and secure the service.
- See our Privacy Policy for full details: [https://www.pactowoh.africa/#/privacy-policy-online-loan-ios]
Customer Support
- Phone: +234 7001239959
- Email: onlineloan.help@pactowoh.africa
- Office Hours: Mon–Sat, 9:00–18:00 WAT (UTC+1)
Disclaimers
Loan offers are subject to eligibility checks, verification, and approval. Disbursement times may vary by bank and network availability. No hidden fees; if any fee policy changes, APRs will be updated accordingly.
1. Optimized loan extension feature
2. Added interest reduction coupons and late fee waiver coupons
3. Fixed multiple issues
The developer, PACT OWOH LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- Contacts
- User Content
- Identifiers
- Sensitive Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- User Content
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- PACT OWOH LIMITED
- Size
- 28.7 MB
- Category
- Finance
- Compatibility
Requires iOS 15 or later.
- iPhone
Requires iOS 15 or later. - iPod touch
Requires iOS 15 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
18+
- 18+
- Copyright
- © 2025 PACT OWOH LIMITED. All rights reserved.