Okash

Interest Rate	32%
Duration	7 days to 21 days
Access Level	Public
Company Name	Okash
Phone 1
Phone 2
Website or Store	https://ng.o-kash.com/web/homeEn.html
Address
Category	Mild Loan
Company Email	support@o-kash.com
Views	5,107

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.

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.

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 Okash

COMPANY PROFILE

Okash is a cutting-edge loan app company that provides quick and convenient loans to its customers. Our mission is to make borrowing money as simple and painless as possible, while providing excellent customer service and security. We are dedicated to providing a cooperative and user-friendly loan experience that is accessible to everyone.

ABOUT US

Okash was founded with the goal of revolutionizing the traditional lending industry. We believe that everyone deserves access to the financial resources they need, and we are committed to making that a reality. Our team of experts has developed a secure and easy-to-use platform that makes borrowing money faster, easier, and more convenient than ever before. We are passionate about helping people achieve their financial goals, and we are dedicated to providing excellent customer service and support.

COMPANY SERVICES

Our core services include instant loans that are quick, secure, and accessible to everyone. We offer loans of up to 50,000 NGN, with fast approval times and no paperwork. Our loans are paperless and can be processed in minutes, so you can get the money you need, when you need it. We also offer the opportunity to cancel a loan within 24 hours of disbursement, and we have a courteous loan collection process that is respectful and ethical.

OUR MISSION

Our mission is to provide better financial services to everyone, regardless of their financial situation. We believe that everyone deserves access to the resources they need to achieve their financial goals, and we are committed to making that a reality. We strive to provide a user-friendly and cooperative loan experience that is accessible to everyone, while maintaining the highest standards of security and privacy.

Our Vision

Our vision is to become the leading loan app company in Nigeria, providing quick and convenient loans to everyone who needs them. We aim to provide a secure and easy-to-use platform that makes borrowing money faster, easier, and more convenient than ever before. We are committed to helping people achieve their financial goals and improving their financial well-being.

Our Core Values

Excellent Customer Service: We believe that our customers are the foundation of our business, and we are committed to providing excellent customer service and support.

Cooperative Partner: We believe in working together with our customers to achieve their financial goals, and we are dedicated to providing a cooperative and user-friendly loan experience.

Ease of Use: We believe that borrowing money should be simple and painless, and we are committed to making our platform as user-friendly and accessible as possible.

Security: We believe that the security of our customers' personal and financial information is of the utmost importance, and we are dedicated to maintaining the highest standards of security and privacy.

WHAT WE OFFER

High Loan Amount: We offer loans of up to 50,000 NGN, so you can get the money you need, when you need it.

Fast Approval: Our loans are approved quickly, so you can get the money you need as soon as possible.

Paperless Apply: Our loans are paperless, so you can apply and get approved without any paperwork.

Opportunity of Loan Cancellation: We offer the opportunity to cancel a loan within 24 hours of disbursement, so you can get the financial support you need, without any hassle.

Courteous Loan Collection Process: We have a courteous loan collection process that is respectful and ethical, so you can feel confident and secure when you borrow money from us.

In conclusion, Okash is dedicated to providing better financial services to everyone, and we are committed to making borrowing money as simple

Reviews

Loan money myanmar (Okash)
- 6/19/2025
Agent message to users
Am sure you will not want to
experience problems in your life before you pay. Don't implicate your family who are not aware of the Loan. Make your payment
- 2/10/2025
Okash
I hope anyone that wants to download this app read this review. there customer service sucks i mean is the worse you will not be able access them at all. All the time is customer service busy and there amount is too small . have been trying to mail them they are blocking it
- 3/29/2023
Okash
No way to navigate, immediately you register, a message will pop up to borrow money, no way close to pop message and navigate, no option to close my account with them.
- 3/29/2023
Okash
I would have rated 5 stars but a reason No. You people should keep all the amounts one can choose from. From low to high. That I pay back on time doesn't demand you people making it compulsory for me to take a higher loan.
- 3/27/2023
Okash
This app is so full of disappointed! After I try to apply for cash they said one step to go, I tried to complete the step but they keep telling me that my card error and server error I tried again Then I received only message that #my account has been credited, which is not credited UpTo now, and inside the app they keep telling me that my debt will due on so so date!
- 3/27/2023
Okash
The loan disbursement came fast. However, they should be provision for bank transfer method of loan repayment,not just debit cards. This is the best Loan App so far. The disbursement so far, the REPAYMENT of loan so fast. Customer Care Service Fantastic, everything is so excellent.
- 3/26/2023
Okash
I wonder why you keep bombanding one's phone with call and messages. It's annoying and disturbing. Among the loan apps I have used, non is disrespectful to their customers like this. I'm going to delete this app immediately I pay my loan, and I'll never pick them as an option when next I need loan
- 3/25/2023
Okash
Loan disbursed into your account but you'll never be credited. This is the third day now, still nothing. Customer services sucks. They dont response to emails or whatsapp message. Even if they do, it takes forever.
- 3/23/2023
Okash
Iv been using this app and their services are good. But i applied for a loan for the past two day and it has been approved still awaiting disbursement since then. I've tried contacting their customer service line but they are not responding.
- 3/22/2023
Okash
Fast and reliable. I received my cash as soon as i was able to meet up with all the necessary requirements. At first, when i saw the app i thaught it is the same with others who will ask u to apply and at the end of the application is disappointment and loan not approved. Thanks to Okash for sincerity and trust.in helping those who are in urgent need of cash.
- 3/18/2023
Okash
It's a very good app, low interest rate. However, any time I repay my loan I received lesser amount if I want to take a new loan. They called me several times and promise me of higher loan if I update my app. But all after its thesame lesser amount that appears on my dashboard.
- 3/16/2023
Okash
It seems Okash punishes you for paying regularly. Why can't I access lesser amounts? Why is the app forcing/offering only higher loan amounts? One should be able to access amounts they can comfortably repay. Giving higher loan amounts with extremely short-term repayment tenors is a No, No for me.
- 3/6/2023
Okash
Big thumbs up to the CEO of this wonderful company and also to the beautiful team working with okash God bless you all and keep increasing your resources and bless you all with more wisdom, knowledge and understand. Also to the Developers big thumbs up to you guys too, navigation on your product has been easy, but I would like you guys to review where the logout button is, it's Abit hard to navigate, considering there might be people who aren't good with tech products like this.🙂
- 3/6/2023
Okash
This loan app is not flexible at all. Over time if you repay regularly, you can no longer access small amounts. These loan sharks are wittingly dragging people into higher and unrealistic loan amounts which sooner or later will wreck people and put them into bad debts. My advice: take loans you can afford. Once it gets higher, quit........do not be caught unawares.
- 3/3/2023
Okash
With all the online ads and campaign, it's very disappointing the level of inefficiencies one experiences with the okash platform. It's been days since I got a notification money has been disbursed to my account. Up till now, I've not seen anything. Yet there's no reliable way of reaching out to okash. The loan duration has started counting down and yet no funds
- 3/1/2023
Okash
The app is Very good and best to use but they have not give better loan amount that I want and this is third time's I have taken loan from okash but they haven't give me up to hundred or two hundred thousand naira. They're interest rate is very high with low amount that is given to me so if they can increase the amount of money to the borrower will be happy to use it an do business to get much gain and use it to pay the interest rate that will be ok.
- 2/21/2023
Okash
OKash is the best loan app that I 've come across. I have not been disappointed ever since I started using it. Though I shared a little bitter experience when I entered new. It was due to inexperience. I advise all my friends to use OKash. Unlike other loaning companies they don't impose loan on their customers. After registration, it is left for you to apply for a loan or not.
- 2/21/2023
Okash
So terrible experience, i was told money had been disbursed to my account, for days i wasn't credited, despite trying to reach out to their customer service support even via call, they won't pick up, they exhausted all my call card and be playing stupid music for me, as if all I needed was that useless music..i even sent a screenshot of my account statement, but no responses and the funniest thing is that the repayments plan had been made already as to when i will repay....What nonsense..
- 2/18/2023
Okash
This loan app is really awesome and provide an individual with the opportunity to get a credit facility as fast as possible in order to cater for our short need. They are also fast in approving our loans once you have all it takes handy. I'll like Okash to reduce their interest small and increase the validity period so as to encourage many teeming youth to engage in business by not minding the short term repayment.
- 2/18/2023
Okash
Rubbish! Opay recommended I take loan from this app in time of distress. Have tried several times but their system cannot dictate my BVN updated phone number. It's keep sending OTP to an old number I lost years ago. The annoying part is after sending my complaints to their customers care Whatsapp line, they red and never reply. I gave you zero rating.
- 2/16/2023
Okash
Two days to the when the loan I took is due for payment, they started bombarding me with calls and messages that I should pay with all forms of threats and warnings. This so wrong as there was a loan agreement which states when one is a defaulter. Well I have done the needful and paid what is due after which I deleted the app. Someone cannot be giving me threats and defamation of character when it's not needed.
- 2/1/2023
Okash
Even when your app is one of the most efficient processes, YET some terrible happened at around midday. Your agent called to inform me that my loan has been approved. I specifically insisted for the loan to be disbursed in First Bank, NOT GTBank. But sadly she did the exact opposite of my account preference. Now the money is on the Bank I can't access.
- 1/23/2023
Okash
I've gotten loan from them twice, and no problem. But I was disappointed in them when I mistakenly transferred 10,000 to their account since last year. I sent my proof of payment to their email as they asked me to since January 3rd I was promised to get my money back in 3 days time. Till now, my money has not been paid I called almost everyday but yet nothing has been sent to my OPay account as they promised to. I can see them as a fraudster.
- 1/22/2023