HCash-Fast credit loan - Loan Shark Review
Interest Rate 60%
Duration From 7 days
Access Level Public
Company Name Windville Financials Nigeria Limited
Phone 1 08136783787
Phone 2
Website or Store
Address
Category Dangerous Loan
Company Email
Views 130

HCash is a trusted online loan application favored by many Nigerian users for its fast approval process. With no collateral required, you can borrow money online anytime, anywhere, with ease. HCash offers flexible repayment options, allowing you to repay loans with minimal pressure through rollover options.

Why Choose HCash?

  • Safe and Reliable: We prioritize the protection of your personal data and do not share your information with any third parties.
  • Repayment Reminders: Never worry about missing a payment—we'll send you timely SMS reminders to ensure you're on track.
  • Increase Loan Amount: Repay on time to unlock higher loan amounts and enjoy lower interest rates.
  • No Hidden Fees: Our loan terms are clear and transparent, with no hidden charges.

Product Overview

  • Loan Amount: NGN 10,000 to NGN 300,000.
  • Loan Term: 91 to 365 days.
  • Interest Rates: Daily interest as low as 0.1%, with an annual percentage rate (APR) of up to 30%.

Example:
If you borrow ₦10,000 for 120 days, your interest will be calculated as follows:

  • Interest: ₦10,000 * (30%/365) * 120 = ₦986.
  • Total Repayment: ₦10,000 + ₦986 = ₦10,986.

Loan Eligibility

To qualify for an HCash loan, you must:

  • Be a Nigerian resident.
  • Be between 18 and 55 years old.
  • Have a valid bank account.

How to Apply for a Loan

  1. Download the HCash App: Available on your preferred app store.
  2. Register: Sign up using your phone number.
  3. Complete Your Profile: Fill out basic information and submit your loan application.
  4. Receive Funds: Upon approval, the loan amount will be disbursed directly to your bank account, and you'll receive an SMS notification.

Contact Us

We’re here to assist you with any questions or concerns:

  • Email: whitthargrove@gmail.com
  • Customer Service Hours: Monday to Sunday, 9:00 am to 6:00 pm
  • Address: Plot B, Block B, Ikosi Residential, Coadiz Plaza, Ikeja, Lagos.

HCash is your reliable partner for fast and convenient loans, offering transparent terms and secure processes. Apply today!


Expert Counsel

If you are considering borrowing from HCash-Fast Credit Loan or are already a borrower, understanding key aspects of repayment and how to protect yourself is essential. Here’s what you need to know to safeguard your financial well-being:

1. Unregistered Loan App

HCash-Fast Credit Loan is not a registered loan provider, which means they may not follow legal guidelines and regulations. This could result in unethical practices such as harassment or excessive interest rates. It's important to approach with caution and ensure you’re fully aware of their terms before borrowing.

2. Derogatory Messages to Your Contacts

If HCash-Fast Credit Loan has sent offensive or derogatory messages to your contacts as a means of collecting payment, do not panic. This behavior, while harmful and embarrassing, is used to create pressure through fear. Do not feel compelled to repay them if they’ve used these tactics. If they insist on repayment, inform them that you are prepared to handle the issue legally.

3. Reputational Damage and Defamation

If your reputation has already been tarnished by defamatory messages from HCash-Fast Credit Loan, repaying them won’t undo the damage that’s been caused. The harm has already been done, and paying them back will likely do little to restore your reputation. It's important to focus on protecting yourself moving forward rather than trying to repair the situation by settling with the lender.

4. Use TrueCaller for Spam and Harassment Protection

To protect yourself from spam calls or harassing calls from HCash-Fast Credit Loan, you can install TrueCaller. This app helps identify and block spam or unwanted calls, giving you control over who can reach you. It’s an effective way to avoid further contact from unregistered loan apps.

5. Block Auto Debits from Your Bank Account

Unregistered loan apps may attempt to deduct funds automatically from your bank account. To prevent this, visit your bank and request a new card, effectively blocking HCash-Fast Credit Loan from debiting your account without authorization. This action is crucial for protecting your finances from unauthorized transactions.

6. Block and Report on WhatsApp

If HCash-Fast Credit Loan is sending you harassing messages on WhatsApp, block their contact immediately. In addition to blocking, take a moment to report them to WhatsApp. This will not only prevent further messages but also alert the platform to their harmful behavior. The more reports an account receives, the higher the chances that it will be removed or restricted.

7. Report to Google Play Store or Apple App Store

If HCash-Fast Credit Loan is listed on the Google Play Store or Apple iOS Store, you should report the app. This step is critical in helping others avoid falling victim to unethical practices. Reporting the app may lead to its removal from the platform, ensuring that fewer people are exposed to their tactics.




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