EasyNaira-Personal Cash Loans - Loan Shark Review

Interest Rate	45%
Duration	7 days
Access Level	Public
Company Name	TLM INVESTMENT LTD
Phone 1
Phone 2
Website or Store	https://www.easynairang.com/
Address
Category	Dangerous Loan
Company Email	myrtieunthank@gmail.com
Views	1,862

About EasyNaira-Personal Cash Loans

EasyNaira-Personal Cash Loans is a reputable lending company in Nigeria that provides instant loans to individuals in need of financial assistance. Our platform is designed to make borrowing easy, convenient, and secure. We understand that getting access to funds in a short period is crucial, especially when it comes to meeting unexpected financial needs. Therefore, we offer quick loans that cater to your needs, with interest rates as low as 32.85% APR and a processing fee of only 1%.

COMPANY PROFILE

EasyNaira is a fintech company that specializes in providing personal loans to individuals in Nigeria. Our platform is built on a strong foundation of innovation and customer satisfaction. We pride ourselves on our ability to make financial assistance accessible to individuals who need it the most. Our platform is designed to be user-friendly, secure, and efficient.

ABOUT US

EasyNaira is a registered company in Nigeria that is committed to helping individuals access personal loans with ease. Our platform is available 24/7, and we have a team of professionals dedicated to providing excellent customer service to our clients. We understand that financial emergencies can happen at any time, and our platform is designed to provide quick and easy solutions to individuals in need of financial assistance.

COMPANY SERVICES

At EasyNaira, we offer a range of personal loan services to meet your financial needs. Our loans range from ₦3,000 to ₦80,000, with repayment terms that range from 91 days to 180 days. We provide flexible loan amounts and repayment terms to ensure that you get the loan that best suits your needs. Our loan application process is straightforward and can be completed in a few minutes, making it easy for you to get the funds you need as soon as possible.

OUR MISSION

At EasyNaira, our mission is to provide individuals in Nigeria with access to instant loans that cater to their financial needs. We are committed to ensuring that our platform is safe, secure, and user-friendly. We aim to make the loan application process as easy and stress-free as possible for our clients, ensuring that they get the financial assistance they need when they need it.

OUR VISION

Our vision at EasyNaira is to become the leading personal loan provider in Nigeria, offering instant loans that cater to the needs of individuals across the country. We strive to make financial assistance accessible to all Nigerians, providing quick and easy solutions to financial emergencies.

OUR CORE VALUES

At EasyNaira, we hold ourselves to the highest standards of integrity, transparency, and accountability. Our core values are:

Excellent Customer Service

We are committed to providing our clients with excellent customer service, ensuring that their loan application process is seamless and stress-free. We have a team of professionals dedicated to addressing any questions or concerns that our clients may have.

Cooperative partner

We collaborate with other organizations and companies that share our values and mission to provide financial assistance to individuals in Nigeria.

Ease of use

Our platform is designed to be user-friendly, making it easy for individuals to apply for loans and manage their loan repayments.

Security

We take the security and privacy of our clients seriously. We have put in place robust security measures to ensure that our clients' information is safe and secure.

Instant Loans

We provide instant loans to individuals in need of financial assistance. Our loan application process is straightforward, and our loan disbursement process is fast, ensuring that our clients get the funds they need as soon as possible.

FAQ

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.

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.
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.

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.

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

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.

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Reviews

EasyNaira-Personal-Cash-Loans
I took a loan and I hard 1 day to my due date. I got a WhatsApp message threatening me with my pictures telling me I will regret not paying before 10am. Mind you I still had one day left. The crazy thing is that I have never missed any payment. I don't understand why I'm being threatened.
- 4/4/2023
EasyNaira-Personal-Cash-Loans
It is very thoughtful, and it is very convenient to borrow money. It takes only a few minutes. Small loans are especially suitable for college students like us.
- 3/26/2023
EasyNaira-Personal-Cash-Loans
They ain't giving out loans they will just take you to some other loan app where you loan request will be rejected
- 3/17/2023
EasyNaira-Personal-Cash-Loans
This app is so provoking ,their interest is too high
- 3/11/2023
EasyNaira-Personal-Cash-Loans
To get OTP is a very difficult thing from this app
- 2/24/2023
EasyNaira-Personal-Cash-Loans
Useless app! 🖕🖕 After waiting for 30days only to reapply now telling me to wait for another 30 days
- 2/23/2023
EasyNaira-Personal-Cash-Loans
Negative experience. Apart from the hidden high interest rate, sending a threat message when your loan is not due is a no/no for me
- 1/31/2023
EasyNaira-Personal-Cash-Loans
"Stay off this App" My honest review, l downloaded the App. Fill in all the necessary field. I applied for loan, gave out all my details only to find out its not working. I checked their contact, call the phone number, it was not them. A lady picked the call and said she's not connected with the developer. There are many of this fake App.
- 1/29/2023
EasyNaira-Personal-Cash-Loans
Good But the interest is high and low period of 7days
- 1/28/2023
EasyNaira-Personal-Cash-Loans
I wasted my entire time downloading and filling in my details only for the app to keep telling me that my first name and my surname is not correct, meanwhile I entered my correct names Very annoying and disappointing app
- 1/26/2023
EasyNaira-Personal-Cash-Loans
The app is good as it gives high amount but as for the interest, it's too high. Imagine someone borrowing 20,000 with interest 8,754 and the loan period is just 7days. The worst is that no customer service that you can reach out to. How can one meet up.
- 1/25/2023
EasyNaira-Personal-Cash-Loans
My surname is correct but still telling me incorrect. Is annoying.
- 1/25/2023
EasyNaira-Personal-Cash-Loans
This app is a scam, people be very careful with this app.
- 1/23/2023
EasyNaira-Personal-Cash-Loans
They don't give loan. They only advertise other Apps and if u apply through any of the Apps under them, it will be declined. Don't bother downloading.
- 1/22/2023
EasyNaira-Personal-Cash-Loans
They are scam,after getting all your details they will redirect you to another app,they are not loan app just robbers trying to rub people of their hard earned money..thrives
- 1/20/2023
EasyNaira-Personal-Cash-Loans
This people are scam, I made my payment on the due date only for them to tell me monnify had issues with their network and so they didn't get credited that same day so I have to pay for overdue, I sent an email to monnify and monnify said it will be sorted. Forwarded the email to their agent and he also said the samething. Months later they reached out to me and said I have 5500 outstanding meaning they didn't clear the overdue and it keep increasing and they are still disturbing Me.
- 1/20/2023
EasyNaira-Personal-Cash-Loans
This people are scam, I made my payment on the due date only for them to tell me monnify had issues with their network and so they didn't get credited that same day so I have to pay for overdue, I sent an email to monnify and monnify said it will be sorted. Forwarded the email to their agent and he also said the samething. Months later they reached out to me and said I have 5500 outstanding meaning they didn't clear the overdue and it keep increasing and they are still disturbing Me.
- 1/20/2023
EasyNaira-Personal-Cash-Loans
After inputing my bvn and my names, it keeps telling me that my first name is not correct whereas everything is correct.
- 1/15/2023
EasyNaira-Personal-Cash-Loans
This app is full of bag of trash abeg. It's has more than 10 app none of the app was be able to give loan they will tell resubmit affer one month. After all your entire generation informations.
- 1/13/2023
EasyNaira-Personal-Cash-Loans
They will just collect your data. They have no loan to give
- 1/11/2023
EasyNaira-Personal-Cash-Loans
This guys credited me without applying for loan complained to their Whatsapp platform no response nobody is telling you anything never see a thing like this before secondly the app just went of on it own trying to download it again still experiencing same thing
- 1/11/2023