Expert Review
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Urgent money
We will review the apps within the next 48 hours and provide detailed information and also do our background checks10 Commandments for Dealing with Loan Sharks
1. Ignore Harassing Messages: If loan sharks have already contacted your friends or family, don't worry. You don't owe them anything more. Move forward and focus on your life.
2. Unlicensed Apps Are Helpless: Loan apps resorting to defamation aren't legitimate. They can't legally harm you. Their only tool is to shame you.
3 Your Contacts Can't Save You: Most of your contacts won't be able to assist you, and they're likely aware of the shady tactics loan sharks use.
4 Beware of Short-Term Loans: Loans with short durations and high interest rates often lead to threats and defamation. Avoid loan sharks. If you must borrow, choose licensed lenders.
5 Debt Leads to Bankruptcy: Borrowing from these apps can wreck your finances and push you towards bankruptcy. The best solution is to stop borrowing altogether.
6 Avoid Overdue Interest: If you've already paid back the principal and initial interest, ignore any demands for overdue interest.
7 Don't Cycle Debts: Taking a loan to pay off another leads to a cycle of debt. Loan sharks have multiple apps, and you'll end up deeper in trouble
8 Use Truecaller to Block: Install Truecaller on your phone to identify loan shark calls and block them. Also, report them on WhatsApp and Google Play Store.
9 Break Free from Loan Sharks: The only way to escape loan sharks is to stop borrowing from them. You survived before they came into your life. Don't let them tarnish your reputation.
10 Stay strong, and prioritize your financial well-being: Remember, health is wealth. Do not allow loan sharks to jeopardize your future!.
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Cash9ja
Cash9ja is a dynamic loan application designed to cater to the financial needs of Nigerians. Developed by Samued Tech Nigeria Limited, this platform is dedicated to providing quick and convenient cash loans, ensuring user satisfaction every step of the way.
Company Overview
- Full Legal Corporate Name: Samued Tech Nigeria Limited
- Approved App by FCCPC: Cash9ja
- Approval No.: FCCPC/DSE/INV/ML/451
As a registered digital money lender in Nigeria, Samued Tech Nigeria Limited operates in compliance with all relevant policies and regulations. The company's commitment to adhering to regulatory standards ensures that your loan experience is both safe and reliable.
Embrace Financial Freedom with Cash9ja
Cash9ja is committed to fostering diversity and innovation in the financial sector. The app allows users to access the funds they need quickly, empowering them to tackle various personal and business challenges. Whether it's for bill payments, medical expenses, rent, or other urgent needs, Cash9ja provides a digital service designed to meet your requirements.
With Cash9ja, you can enjoy a seamless application process and receive the necessary funds almost instantly. Why wait? Start your application now and experience the convenience of immediate cash access!
Conditions for Cash9ja Loan Application
Applying for a cash loan through Cash9ja is a straightforward process. Here’s how you can secure your loan in just a few steps:
- Use Your Smartphone: Ensure you have a smartphone to access the Cash9ja app.
- Download the App: Go to the Google Play Store, download the Cash9ja app, and install it.
- Fill Out the Form: Complete the application form, which should take no more than 5 minutes.
- Get the Loan Credit: Submit your application and await a credit decision.
- Approval Notification: Wait for approval regarding your online loan application.
- Receive Funds: Get loan amounts ranging from ₦6,000 to ₦200,000 deposited directly into your bank account.
Advantages of Cash9ja
- Unsecured Loans: Cash9ja offers loans without requiring collateral, making it accessible to more users.
- No Office Visits Required: You can apply for loans from the comfort of your home without the need to visit a physical office.
- No Hidden Fees: Enjoy transparency with no hidden charges—what you see is what you get.
- Fast Disbursement: Experience instant disbursement within 5 minutes after approval.
- Increasing Approval Amount: As you build your credit history with Cash9ja, you can access higher loan amounts over time.
Start your journey toward obtaining significant financial support today, with loan amounts ranging from ₦6,000 to ₦200,000.
Eligibility Criteria
To qualify for a loan with Cash9ja, applicants must meet the following requirements:
- Age: Must be a Nigerian citizen aged 18 years or older.
- Bank Account: Applicants must have a valid bank account to receive funds.
- Stable Income: A steady income source is necessary to demonstrate repayment capability.
Loan Information & Examples
- Loan Amount: ₦6,000 to ₦200,000
- Loan Term: 90 to 360 days
- Interest Rate: Daily interest rates range from 0.04% to 0.08%.
- Processing Fee: 1% of the principal amount.
- Maximum Annual Percentage Rate (APR): 33.26%.
Example Calculation
For a 90-day loan with a principal amount of ₦6,000 and a daily interest rate of 0.06%:
- Total Interest Fee: ₦6,000 × 0.06% × 90 days = ₦324
- Processing Fee: ₦6,000 × 1% = ₦60
- Total Repayment Amount: ₦6,000 + ₦324 + ₦60 = ₦6,384
- Repayment Per Period: ₦6,384 / 3 = ₦2,128 (if repaid in 3 periods)
Privacy and Permissions
At Cash9ja, your privacy is of utmost importance. We adhere to strict data protection regulations and ensure that your personal information is securely stored. We will never share your data with third parties without your explicit consent. For more details, please refer to our Privacy Policy.
Customer Support
We are always here to assist you! If you have any questions, concerns, or feedback, please do not hesitate to reach out to us:
- Email: service@samuedltd.com
- Website: Cash9ja Official Website
- Working Hours: 9:00 AM - 6:00 PM (Monday to Saturday)
- Address: 115, Mado Street, Tudun Wada, Plateau State, Nigeria
With Cash9ja, you're not just getting a loan; you're gaining a reliable financial partner ready to support your journey towards financial stability. Start applying today and unlock your potential!
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CashRun
They'll shoot off SMS to your contacts, saying you owe them money.
Brace yourself for a barrage of nasty WhatsApp messages if you're just a day late.
Their repayment plans usually last between 6 to 14 days, making it a real struggle to pay up.
Expect overdue interest rates of 5% to 7% per day, pushing you deeper into debt.
Don't bother paying them back once they tarnish your name. They've already got what they wanted.
Since they're not licensed, they can't take legal action against you. Their only weapon is to smear your reputation.
Avoid borrowing from other loan apps to settle your debts; you'll only dig yourself into a deeper hole.
Use Truecaller to screen and block their calls, sparing yourself unnecessary stress.
The best way to break free from loan sharks is to stop borrowing altogether.
Block them on WhatsApp and report them directly to WhatsApp and Google Play Store to protect others from falling into the same trap.
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Kashloan
We will review the apps within the next 48 hours and provide detailed information and also do our background checks10 Commandments for Dealing with Loan Sharks
1. Ignore Harassing Messages: If loan sharks have already contacted your friends or family, don't worry. You don't owe them anything more. Move forward and focus on your life.
2. Unlicensed Apps Are Helpless: Loan apps resorting to defamation aren't legitimate. They can't legally harm you. Their only tool is to shame you.
3 Your Contacts Can't Save You: Most of your contacts won't be able to assist you, and they're likely aware of the shady tactics loan sharks use.
4 Beware of Short-Term Loans: Loans with short durations and high interest rates often lead to threats and defamation. Avoid loan sharks. If you must borrow, choose licensed lenders.
5 Debt Leads to Bankruptcy: Borrowing from these apps can wreck your finances and push you towards bankruptcy. The best solution is to stop borrowing altogether.
6 Avoid Overdue Interest: If you've already paid back the principal and initial interest, ignore any demands for overdue interest.
7 Don't Cycle Debts: Taking a loan to pay off another leads to a cycle of debt. Loan sharks have multiple apps, and you'll end up deeper in trouble
8 Use Truecaller to Block: Install Truecaller on your phone to identify loan shark calls and block them. Also, report them on WhatsApp and Google Play Store.
9 Break Free from Loan Sharks: The only way to escape loan sharks is to stop borrowing from them. You survived before they came into your life. Don't let them tarnish your reputation.
10 Stay strong, and prioritize your financial well-being: Remember, health is wealth. Do not allow loan sharks to jeopardize your future!.
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Cashbus
Let me give you the lowdown on Cash bus:
They'll shoot off SMS to your contacts, saying you owe them money.
Brace yourself for a barrage of nasty WhatsApp messages if you're just a day late.
Their repayment plans usually last between 6 to 14 days, making it a real struggle to pay up.
Expect overdue interest rates of 5% to 7% per day, pushing you deeper into debt.
Don't bother paying them back once they tarnish your name. They've already got what they wanted.
Since they're not licensed, they can't take legal action against you. Their only weapon is to smear your reputation.
Avoid borrowing from other loan apps to settle your debts; you'll only dig yourself into a deeper hole.
Use Truecaller to screen and block their calls, sparing yourself unnecessary stress.
The best way to break free from loan sharks is to stop borrowing altogether.
Block them on WhatsApp and report them directly to WhatsApp and Google Play Store to protect others from falling into the same trap.
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SilkLoan - Quick Cash Loan
They'll shoot off SMS to your contacts, saying you owe them money.
Brace yourself for a barrage of nasty WhatsApp messages if you're just a day late.
Their repayment plans usually last between 6 to 14 days, making it a real struggle to pay up.
Expect overdue interest rates of 5% to 7% per day, pushing you deeper into debt.
Don't bother paying them back once they tarnish your name. They've already got what they wanted.
Since they're not licensed, they can't take legal action against you. Their only weapon is to smear your reputation.
Avoid borrowing from other loan apps to settle your debts; you'll only dig yourself into a deeper hole.
Use Truecaller to screen and block their calls, sparing yourself unnecessary stress.
The best way to break free from loan sharks is to stop borrowing altogether.
Block them on WhatsApp and report them directly to WhatsApp and Google Play Store to protect others from falling into the same trap.
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Xcash
Xcash, a leading financial service provider, operates under the umbrella of New Edge Finance, a renowned financial institution with an extensive portfolio. Notably, New Edge Finance also owns Easybuy and boasts a diverse range of apps, including Palmcredit, Xcrosscash, Newcredit, and many more, available on Google Play Store.
One distinguishing feature of Xcash is its commitment to fair and respectful borrower relations. Borrowers can repay their loans gradually without fear of defamation or negative consequences from the platform, fostering a trusting and supportive environment for borrowers.
To ensure a smooth repayment process, borrowers are advised against paying overdue interest once the normal interest and capital amounts have been settled. This practice helps borrowers manage their finances effectively and avoid unnecessary financial strain.
In the event of persistent communication from Xcash via calls or WhatsApp messages, borrowers have the option to block their contacts and WhatsApp numbers. This proactive step enables borrowers to maintain their privacy and peace of mind, minimizing potential disruptions.
It is strongly recommended that you refrain from borrowing from other loan apps to settle dues with Xcash. Doing so may exacerbate financial challenges and lead to a cycle of debt accumulation.
For enhanced control over communication channels, you can leverage Truecaller by installing it on their mobile phones. Truecaller empowers you to identify and block spam calls, including those from lenders like Xcash, providing an added layer of security and convenience.
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KKcash
Allow me to shed some light on KK Cash and what you need to know to safeguard your financial well-being.
To begin with, KK Cash has a rather aggressive approach when it comes to debt collection. They won't hesitate to bombard every single one of your contacts with automated calls, making sure everyone knows about your outstanding debt. And if that's not enough, they'll also flood your WhatsApp with derogatory messages if you're just one day overdue. It's not a pleasant experience, to say the least.
Now, let's talk about their repayment plans. KK Cash typically offers repayment periods ranging from 6 days to 14 days, which can be quite challenging to meet. And to make matters worse, their overdue interest rates can soar as high as 5% to 7% per day, pushing you further into the abyss of debt.
Here's a crucial piece of advice: once KK Cash starts defaming you, don't even think about paying them back. They've already gotten what they wanted, and paying them won't make the derogatory messages disappear. Plus, since they're not licensed, they don't have much legal recourse besides tarnishing your reputation.
Whatever you do, resist the temptation to borrow from another loan app to repay KK Cash. They have a plethora of apps scattered across mobile app stores, so if you think you're escaping one debt by borrowing from another, think again. You'll only find yourself sinking deeper into financial trouble.
To shield yourself from KK Cash relentless harassment, consider installing Truecaller on your mobile phone. This handy app can help you identify and block their calls, giving you some much-needed peace of mind.
Ultimately, the best way to break free from KK Cash clutches is to stop borrowing altogether. It might not be easy, but it's the only way to avoid getting caught in their web of debt.
Take care, and remember that your financial well-being is worth more than any loan. Stay vigilant, make wise borrowing decisions, and don't let KK Cash or any other loan shark drag you down.
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Futurecash
We will review the apps within the next 48 hours and provide detailed information and also do our background checks10 Commandments for Dealing with Loan Sharks
1. Ignore Harassing Messages: If loan sharks have already contacted your friends or family, don't worry. You don't owe them anything more. Move forward and focus on your life.
2. Unlicensed Apps Are Helpless: Loan apps resorting to defamation aren't legitimate. They can't legally harm you. Their only tool is to shame you.
3 Your Contacts Can't Save You: Most of your contacts won't be able to assist you, and they're likely aware of the shady tactics loan sharks use.
4 Beware of Short-Term Loans: Loans with short durations and high interest rates often lead to threats and defamation. Avoid loan sharks. If you must borrow, choose licensed lenders.
5 Debt Leads to Bankruptcy: Borrowing from these apps can wreck your finances and push you towards bankruptcy. The best solution is to stop borrowing altogether.
6 Avoid Overdue Interest: If you've already paid back the principal and initial interest, ignore any demands for overdue interest.
7 Don't Cycle Debts: Taking a loan to pay off another leads to a cycle of debt. Loan sharks have multiple apps, and you'll end up deeper in trouble
8 Use Truecaller to Block: Install Truecaller on your phone to identify loan shark calls and block them. Also, report them on WhatsApp and Google Play Store.
9 Break Free from Loan Sharks: The only way to escape loan sharks is to stop borrowing from them. You survived before they came into your life. Don't let them tarnish your reputation.
10 Stay strong, and prioritize your financial well-being: Remember, health is wealth. Do not allow loan sharks to jeopardize your future!.
-
Ultra Cash
They will send SMS messages to your contacts, falsely claiming you owe them money.
Be prepared for a flood of aggressive WhatsApp messages, even if you're only a day late.
Repayment periods typically range from 6 to 14 days, making it difficult to settle the debt on time.
Overdue interest rates often soar to 5-7% daily, trapping you in an endless cycle of debt.
Once they've damaged your reputation, paying them back becomes futile—they’ve already achieved their goal.
Since they operate without licenses, they have no legal recourse. Their primary tactic is to tarnish your image.
Avoid taking loans from other apps to pay off debts, as this will only deepen your financial woes.
Use Truecaller to block their incessant calls and shield yourself from unnecessary harassment.
The best solution is to stop borrowing from these predatory lenders entirely.
Block them on WhatsApp, and report them to WhatsApp and the Google Play Store to prevent others from falling victim.
Step by step guide to break free from loan apps
What you should know
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Any loan sharks that defame are never linked to the credit bureau in anyway and all they say to you are lies.
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Loan shark money cannot help solve anybody matter to better 40% - 70% in 7 days, they are simply misery compounders!! Do away with them.
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Loan Apps major aim is to make outrageous profit from people and render people bankrupt. Dont be a victim
What people are saying
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