| Interest Rate | 40% |
| Duration | From 7 days |
| Access Level | Public |
| Company Name | Credit moi |
| Phone 1 | +234 907 143 0221 |
| Phone 2 | |
| Website or Store | chrome |
| Address | |
| Category | Dangerous Loan |
| Company Email | |
| Views | 8,878 |
Step by step guide to break free from loan apps
About Credit moi
Looking for a reliable loan app in Nigeria? Credit Moi (also known as Tloan) offers quick and convenient online loans with flexible repayment terms. Whether you need funds for emergencies, business, education, or personal expenses, Credit Moi provides a seamless borrowing experience right from your smartphone.
Why Choose Credit Moi (Tloan) Loan App?
✅ Quick & Easy Application – Get loans in minutes with a simple online process.
✅ Flexible Loan Terms – Repayment periods range from 91 days to 365 days.
✅ Competitive Interest Rates – Affordable rates tailored to your needs.
✅ No Collateral Required – Access funds without providing physical assets.
✅ Secure & Trusted – A licensed digital lender compliant with Nigerian financial regulations.
How to Apply for a Loan on Credit Moi (Tloan)
Download the App – Available on the Google Play Store.
Register & Verify – Provide basic details and complete identity verification.
Select Loan Amount – Choose how much you need based on eligibility.
Get Approved – Receive instant loan approval with fast disbursement.
Repay on Time – Enjoy hassle-free repayment via the app.
Who Can Apply?
Nigerian citizens or residents
Ages 18 and above
Active bank account & BVN
Stable source of income
Need Quick Cash? Try Credit Moi Today!
Credit Moi (Tloan) is a trusted loan app in Nigeria, helping thousands of users access instant funds for emergencies and personal needs. With a user-friendly interface and fast processing, it’s a top choice for hassle-free borrowing.
Expert Counsel
Loan Agreements in Nigeria: Understanding Your Rights
Under Nigerian law, loan agreements can be deemed invalid or unenforceable in certain situations. These include:
- Unlicensed Money Lenders: Operating without a valid license from the Central Bank of Nigeria (CBN) or relevant state authorities can make contracts unenforceable.
- Excessive Interest Rates or Hidden Fees: Contracts with unconscionable terms may be unenforceable under consumer protection laws, as regulated by the CBN.
- Fraud, Misrepresentation, or Coercion: Contracts obtained through deception, misleading statements, or threats can be voidable.
- Breach of Privacy & Harassment: Loan apps that invade borrowers' privacy or engage in harassment may have contracts that can be challenged as invalid under the Nigerian Data Protection Regulation (NDPR) and FCCPC guidelines.
- Lack of Written Agreement: Loan agreements exceeding ₦20,000 (varies by state) require a written contract signed by both parties to be enforceable.
- Violation of Loan Tenure & Repayment Rules: Contracts that violate CBN guidelines on microfinance lending may be challenged.
- Duress or Undue Influence: Contracts signed under threats, blackmail, or undue influence are invalid under Nigerian Contract Law.
- Lending to Minors: Loan contracts with individuals under 18 years old are automatically void.
Understanding these points can help borrowers navigate loan agreements and protect their rights.
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Reviews
Agent message to users[2/28, 9:57 AM] +234 816 501 3864: You wan make I reason your papa matter this morning?
[2/28, 10:02 AM] +234 816 501 3864: Hold on and let me show you your dashboard
[2/28, 10:13 AM] +234 816 501 3864: Na your dog mother I blame
[2/28, 10:13 AM] +234 816 501 3864: I have sometimes to discuss with him
[2/28, 10:13 AM] +234 816 501 3864: Ah you don die
[2/28, 10:13 AM] +234 816 501 3864: You wan swwar?
[2/28, 10:13 AM] +234 816 501 3864: I go use the swear kill your papa now now
[2/28, 10:16 AM] +234 816 501 3864: Sebi you wan swear?
[2/28, 10:17 AM] +234 816 501 3864: The swear go tire your mama today!
[2/28, 10:24 AM] +234 816 501 3864: Oya na
[2/28, 10:24 AM] +234 816 501 3864: You go swear tire your mama today
[2/28, 10:24 AM] +234 816 501 3864: I Dey come
[2/28, 10:31 AM] +234 816 501 3864: For your mama mind now, you don block Shey?
- 4/15/2025
- Agent message to users
*IF YOUR REPUTATION/IMAGE MEANS NOTHING TO YOU DONT STRICTLY ADHERE TO THIS WARNING!!!!TREAT AS URGENT AVOID THE DISGRACE/EMBARRASSMENT AND TARNISHING OF YOUR NAME/FAMILY/RELATIVE/FRIENDS/IN LAW(IF MARRIED)/BUSINESS/WORK PLACE/RELIGION ETC, YOUR SOCIAL MEDIA(WHATSAPP) DETAILS/PICTURE OF DISGRACE ABOUT TO BE SEND TO ALL YOUR CONTACT AND ANY ONE ASSOCIATED TO YOU NOW!!!!!THROUGH ONLINE MESSAGE/DIRECT MESSAGE AND DIRECT CALL OF DISGRACE !!!!!!CLEAR YOUR LOAN NOW IN THE NEXT 1HOUR OR FACE SERIOUS DISGRACE WITHOUT REASON.*
*©️👾CREDIY MOI (YY CASH) Anti-Fraud Unit*
- 4/15/2025
- Agent message to users
[2/25, 1:44 PM] Mumu: Tell me where the blackmailing is.
[2/25, 1:54 PM] Mumu: I will give you Judy 5mins to show me where the blackmailing is.
[2/25, 8:04 PM] Mumu: 10am tomorrow. Don’t send it. Na that time Gangan i go know say true true oo, na your papa and your mama born you
- 4/15/2025
- Agent message to users
DON'T CALL TO COMPLAIN OR TO RESEND DAMAGE RESOLUTION MESSAGE, IF WE START SENDING FRAUDULENT MESSAGES TO YOUR CONTACTS AND FAMILIES NOW AS YOU ARE REFUSING TO PAY YOUR LOAN, AVOID BAD STIGMA!
BE INFORMED!
WE HAVE BEEN PATIENT ENOUGH, IF WE DO NOT RECEIVE OUR MONEY BEFORE 10AM TODAY, WE WILL BE LEFT WITH NO OPTION THAN TO CONTACT YOUR PEOPLE ON YOUR ADDRESS BOOK , SEND YOUR BVN AND YOUR ATM CARD NUMBER TO THE APPROPRIATE AUTHORITIES AND YOUR FILE WILL BE FORWARDED TO THE LEGAL TEAM WITH OTHER ACTIONS
BE WARNED!!
- 4/15/2025
- Agent message to users
This your wickedness will lead to the death of you, in 7days you'll cry for someone in your house, they will borrow money for your casket, may the heavens and earth be against you, may you never see reason to smile, when it looks like you want to see help may tears overtake everything, as you've decided that I will suffer for loan that you ate may your sweat be eaten by others, As long as you refuse to pay this loan let the world refuse U.
*CREDIT MOI* TTCASH
- 4/15/2025
- Threatening messages (Credit moi )
They just keep calling with a private number...
- 2/24/2025
- Very Evil people (Credit moi )
Called me a ritualist, edited a photos adding me, my mobile number and some dead bodies claiming that I'm a ritualist and I sell human parts. Sent such things to all my contacts with a wanted postal
- 1/15/2025
- Agent message to users
This is to inform you that this person has been infected with hiv/aids and she has run away from the health care center pls call the police any time u see her
- 12/10/2024
- Agent message to users
This your wickedness will lead to the death of you, in 7days you'll cry for someone in your house, they will borrow money for your casket, may the heavens and earth be against you, may you never see reason to smile, when it looks like you want to see help may tears overtake everything, as you've decided that I will suffer for loan that you ate may your sweat be eaten by others, As long as you refuse to pay this loan let the world refuse U.
*CREDIT MOI* TTCASH
- 12/10/2024
- They start treghtning me sending edited pictures saying dey would post my picture saying that am sleeping with dog (Credit moi )
- Dey are very wicked people
- 11/30/2024
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Safely Report A Loan Shark
If you have borrowed from a loan shark or are worried about someone else, we’re here to help and keep you safe. Learn how to break free from their grasp.
