A1 Credit

A1 Credit - Loan Shark Review
Interest Rate 20%
Duration 21 days
Access Level Public
Company Name A1 CAPITAL SOLUTION LIMITED
Phone 1 (+234) 080 7495 5555
Phone 2 (+234) 080 7495 5555
Website or Store https://a1creditng.com/index
Address 52, Ahmadu Bello Way, Ground Floor, Fourth door Right Victoria Island, Lagos State, NIGERIA
Category Mild Loan
Company Email info@a1creditng.com
Views 1,022

FAQ

Can I still pay them if they defame me?

Once a loan app has defamed you — by sharing your information, contacting your friends, or posting false claims — they have violated your privacy and broken the law. At that point, the agreement between you and them is already compromised.

You should report them to the FCCPC, CBN, and NDIC or any agencies in your country instead of paying. Paying them after such illegal behavior only encourages their abuse and gives them more power to exploit others.

Can loan apps post my pictures on social media?

You should not worry about loan apps threatening to post your picture on social media. If you check their accounts, you’ll notice most of them have fewer than 100 followers. This means they are mainly circulating your picture among themselves just to instill fear in you. Never pay a dime if any loan app posts your picture online; they are actually the ones owing you, not the other way around. Instead, report the account to the appropriate social media platform, and it will likely be closed down.

Can they auto-debit my account?

If you linked (bound) your ATM card during registration with a loan app, they can automatically debit your account. To prevent this, you should go to your bank, block the card, and request a new one.

For fully licensed Microfinance Banks that may use the Global Standing Instruction (GSI) or place a lien on your account, the safest option is to move your money to another bank account that has never been registered with loan apps. This will stop them from debiting your funds.

Can they come to my house or office to arrest me?

99% of loan apps cannot come to your house or office because most of them operate illegally and have no legal right to pursue you physically. Only fully licensed and approved Microfinance Banks with a registered office address and reputation as a legitimate financial institution can pay you a friendly visit, but never to arrest you.

Borrowing is a civil matter, not a criminal case. That means you cannot be arrested simply because you owe money. If any licensed microfinance bank tries to harass or threaten you, please contact us immediately—we will take the right steps to deal with them.

As for loan apps, they cannot legally come to your house or office to arrest you.

Can this loan app defame me?

Yes and No, a loan app can defame you, but it usually depends on where you downloaded the app from and what permissions you gave it.

  1. If you downloaded the app outside the Play Store or App Store (for example, from a direct link or third-party site), it’s very likely the app will misuse your information. Many of those apps are not properly regulated.
  2. How they access your contacts:
  • Loan apps need Contact permission to copy your phone contacts.
  • They also sometimes request Call log permission, which allows them to see your dialed, received, and missed calls—but not your full contact list.
  1. If you used the app before 2023:
  • Before 2023, many loan apps could freely access contacts because the rules were not strict.
  • From 2023 onward, Google Play Store and Apple App Store introduced policies that restrict apps from accessing contacts and call logs unless it’s absolutely necessary.



Can this Loan App Hack my Account

An app itself can’t magically “hack” your bank account, but a malicious loan app can steal your data or enable attacks that give criminals access — so treat them as potentially dangerous. Never download apps outside Play Store or App Store

Can you categorize this Loan Apps as a good loan apps?

Any loan app that charges above 7% per month and does not allow repayment to be spread across 3 to 6 months is a criminal organization. Stay away from them—they will ruin you financially

Do I need to Generate Disclaimer for this Loan App

You only need to generate a disclaimer if the loan apps have access to your contacts or if they are not licensed. To know whether a loan app is likely to defame you, check the permissions it has on your device. If it has access to your contacts or call logs, and it is not a licensed or approved agency such as the Central Bank, then you need to send a disclaimer.

Do you suggest I fight back against this loan app if they send abusive messages?

Yes — fight back. They prey on fear; pressure and exposure make predatory loan apps back down. Upload all their messages and evidence to our platform immediately — we are working to sue them. They’ll often flee once they’re documented and reported.

Explain How Credit Bureau Works


How a malicious loan app can compromise your details

Phishing / social engineering: tricking you into giving OTPs, passwords, or BVN details.

Permission abuse: access to SMS, contacts, call logs, or accessibility services can let an app read OTPs or intercept communications.

Fake login pages/overlay attacks: an app may show a fraudulent screen that captures your bank credentials.

Malware/keyloggers: Some apps can record taps or keystrokes if they get high-level permissions.

Linking to compromised websites: clicking links can download malware or steal details.

Never share OTPs, BVN, or passwords with anyone.

Don’t grant Accessibility or SMS-read permissions to untrusted apps.

Install apps only from official stores and check reviews/permissions.

How do I get rid of their daily messages and calls?

To stop their frequent calls, you can install Truecaller, upgrade to Premium, and use the Block Spam Calls feature. This will automatically filter out most unwanted numbers. (Check the video below for step-by-step details.)

For WhatsApp calls and messages, fight back smartly: never listen to their voice notes or read their messages. Instead, use the response strategy in the link below to reply safely. When you push back confidently, scammers usually give up and flee.


https://loansharkreview.com/MessageTemplate



I received several emails from loan apps claiming to be from the court and other agencies. What should I do?

Most of the emails you receive from loan apps are fake and meant to scare you. What you should do is verify the authenticity of the message — check if it is truly coming from a genuine government or legal agency. If the email is not from an official source, simply ignore it or reply that they are impersonating an authority and that their account has been reported to the appropriate body.

No loan app can sue you in court because most of them operate in clear violation of existing financial and data protection laws. And if any of them attempts such action, our legal team is fully prepared to represent you. In the past seven years, not a single loan app has successfully taken any borrower to court.

They sent a message to me that they will block my BVN. Is it possible?

Loan apps do not have the authority or technical access to block your BVN. Only the Central Bank of Nigeria (CBN) or your bank can restrict or blacklist a BVN, and that only happens in cases involving serious fraud or court orders.

Any loan app threatening to block your BVN is simply trying to intimidate you. It’s a scare tactic, not a legitimate action

Will this loan apps report me to the Credit Bureau?

In most cases, 90% of loan apps cannot report you to the Credit Bureau. This is because many of them are not licensed financial institutions or they charge exorbitant interest rates that violate government policies.

However, fully licensed and approved microfinance banks can report you to the Credit Bureau. Even when they do, they usually report only the actual amount you borrowed and the original agreed interest — not the inflated charges or penalties. If you notice incorrect information in your credit report, you have the right to contest it with the Credit Bureau and request correction.

About A1 Credit

A1|Credit: 

Introduction:

In today's fast-paced world, financial needs can arise unexpectedly, and having access to quick and reliable loans can make all the difference. A1|Credit is a leading loan app company that understands the urgency of financial assistance and is dedicated to providing safe and reliable online loans in Nigeria. With our commitment to excellent customer service, cooperative partnerships, ease of use, and security, we aim to be your trusted financial partner.

Interest Rate:

At A1|Credit, we believe in transparency and fairness. Our interest rates are competitive and vary based on the loan amount and duration. We are committed to providing our customers with clear and comprehensive information about the interest rates and all other terms and conditions associated with our loans. We want our customers to make informed decisions and have a clear understanding of their financial obligations.

Company Profile:

A1|Credit is a reputable loan app company that specializes in providing instant loans to individuals in Nigeria. We take great pride in our services, which are designed to meet the financial needs of our customers quickly and efficiently. Our commitment to providing safe and reliable online loans has earned us a strong reputation in the market.

About Us:

At A1|Credit, we have a team of dedicated professionals who are passionate about helping individuals access the financial support they need. We understand the challenges and uncertainties that come with financial emergencies, and we strive to make the loan application process as seamless as possible. Our goal is to provide a user-friendly platform that allows our customers to apply for loans conveniently from their mobile devices.

Company Services:

Our loan app offers a wide range of services tailored to meet the diverse needs of our customers. Whether you need a personal loan for emergencies, medical expenses, education, or any other purpose, A1|Credit has got you covered. With our user-friendly interface, you can easily apply for a loan, receive instant approval, and have the funds disbursed directly to your bank account.

Our Mission:

At A1|Credit, our mission is to provide safe and reliable online loans to individuals in Nigeria. We understand that financial emergencies can be stressful, and our aim is to alleviate that stress by offering quick and accessible financing solutions. We are committed to helping our customers overcome their financial challenges and achieve their goals.

Our Vision:

Our vision is to become the leading provider of safe and reliable online loans in Nigeria. We strive to create a positive impact on the lives of our customers by offering efficient and trustworthy financial services. We aim to be recognized as a reliable and customer-centric loan app company that empowers individuals with the financial resources they need to succeed.

Our Core Values:

Excellent Customer Service: We prioritize the needs and satisfaction of our customers above everything else. We strive to provide exceptional customer service and support throughout the loan application and repayment process.

Cooperative Partnerships: We believe in building strong partnerships with financial institutions, technology providers, and other stakeholders in the industry. By working collaboratively, we can deliver innovative and reliable loan solutions to our customers.

Ease of Use: We are committed to offering a user-friendly and intuitive loan app interface. Our platform is designed to be easy to navigate, ensuring a seamless and efficient application process for our customers.

Security: We place a high priority on the security of our customers' personal and financial information. We have implemented robust security measures to protect data confidentiality and prevent unauthorized access.

Instant Loans:

We understand the urgency of financial needs, and that's why we offer instant loans. Our streamlined application process allows you to receive a loan decision within minutes, ensuring that you can access the funds you need promptly.

Conclusion:

A1|Credit is your trusted source for safe and reliable online loans in Nigeria. With our commitment to excellent customer service, cooperative partnerships, ease of use, and security, we strive to provide a seamless and efficient loan application experience. Whether you need immediate funds for emergencies or have other financial needs, A1|Credit is here to support you on your journey to financial stability. Trust us to be your reliable financial partner, providing the loans you need when you need them.

Reviews
  • User loan Review

    requirements are too much over how much?? you're asking everything about someone's life lol 😆

    • 6/22/2023
  • User loan Review

    Friendly Interface, Easy Application Process and Quite reasonable interest rates.

    • 6/22/2023
  • User loan Review

    The A1 credit app is a very easy to use loan app. However the user interface is in dire need of an upgrade, but they offer great services.

    • 6/14/2023
  • User loan Review

    This is useless App. I hope they are not fraudsters who just want to get people's information. I am watching you guys. Crook. Pls let no one make mistake trusting them,they only need your #50

    • 5/31/2023
  • User loan Review

    Very bad app, abeg don't download this app, they are 419. Why will u deduct 50naira from my account without giving me loan despite all the information I tender. What a silly app.

    • 5/27/2023
  • User loan Review

    Made repayment and yet my dashboard has not been cleared.

    • 5/16/2023
  • User loan Review

    This this app is uselesshow to decorate all your information collect everything your baby everything done by telling you nonsense this up any customer don't try to use this nonsense nonsense and useless at

    • 5/12/2023
  • User loan Review

    Why is it always contact a support? Before it was when I fill in bank details, after getting pass bank details now is To create transactions pin an u people are still writing same English

    • 5/10/2023
  • User loan Review

    Wow i love A1Credit ,have collected loan of 5000 ,very easy and fast payment .what i love them most is their charge ,is not mush ......you guys should keep it up ,i even have pending loan of 10000 which will be reveive soon

    • 5/6/2023
  • User loan Review

    The app's interface is nice and easy to navigate. The process of getting a loan is quite simple and fast

    • 5/2/2023
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Quick Updates
Lesson 10: Why You should Generate Your Own Disclaimer

Lesson 13: How Loan Apps Operate

Lesson 4: How to know if Loan Apps will Defame you or not