Interest Rate	30%
Duration	30 days
Access Level	Public
Company Name	Ragekay Global Investment Limited
Phone 1
Phone 2
Website or Store	https://www.oyescedit.online/
Address
Category	Mild Loan
Company Email	pathBennvzs@gmail.com
Views	2,114

About Oyescredit

Oyescredit: Leading the Charge in Financial Innovation

Interest Rate

At Oyescredit, we believe in offering transparent, fair, and competitive interest rates to our customers. Our rates are designed to be affordable and reflective of current market conditions, ensuring that borrowers can manage their repayments without undue financial strain. Typically, our interest rates range from 2% to 5% per month, depending on the loan amount and repayment terms. Our aim is to provide flexible financial solutions tailored to meet the diverse needs of our clients.

COMPANY PROFILE

ABOUT US

Oyescredit is a pioneering digital loan app company based in Nigeria, dedicated to transforming the financial landscape through innovative technology and customer-centric solutions. Since our inception, we have been committed to providing quick, reliable, and accessible financial services to individuals and small businesses. Our platform leverages advanced algorithms and data analytics to assess creditworthiness and deliver instant loans, ensuring a seamless and efficient lending experience for our users.

COMPANY SERVICES

At Oyescredit, we offer a range of financial services designed to meet the varying needs of our clients:

Personal Loans: Our personal loans cater to individuals looking for financial assistance for personal needs such as medical emergencies, education, or home improvement. We provide flexible repayment options and competitive interest rates.

Business Loans: Small and medium-sized enterprises (SMEs) are the backbone of Nigeria’s economy. Our business loans are designed to support these enterprises in their growth and expansion efforts, offering quick access to capital with minimal paperwork.

Salary Advance: For salaried employees, we offer salary advance loans to help bridge the gap between paychecks. This service ensures that unexpected expenses are met without financial stress.

Emergency Loans: Life is unpredictable, and emergencies can arise at any moment. Our emergency loans provide immediate financial relief, enabling our customers to handle urgent situations without delay.

OUR MISSION

Our mission at Oyescredit is to empower individuals and businesses in Nigeria by providing accessible, transparent, and efficient financial services. We strive to leverage technology to simplify the borrowing process, making it easier for our customers to obtain the financial support they need when they need it most.

Our Vision

Our vision is to be the leading digital lending platform in Nigeria, recognized for our innovation, reliability, and commitment to customer satisfaction. We aim to create a financial ecosystem where everyone has access to the

financial resources they need to achieve their goals and improve their quality of life. By continuously improving our services and expanding our reach, we aspire to foster financial inclusion and drive economic growth across the nation.

Our Core Values

Customer Focus: Our customers are at the heart of everything we do. We prioritize their needs and work tirelessly to provide exceptional service and support.

Transparency: We believe in clear, honest communication. Our terms and conditions are straightforward, and there are no hidden fees or surprises.

Innovation: We embrace technology and innovation to deliver cutting-edge financial solutions. Our commitment to continuous improvement ensures that we stay ahead of industry trends and offer the best services to our customers.

Integrity: We adhere to the highest ethical standards in all our operations. Trust and integrity are the cornerstones of our business.

Inclusivity: We are dedicated to promoting financial inclusion by making our services accessible to everyone, regardless of their background or financial status.

Excellent Customer Service

At Oyescredit, we understand that excellent customer service is paramount to our success. Our dedicated support team is available 24/7 to assist with any queries or concerns. We value our customers’ feedback and use it to continually improve our services. Our user-friendly app ensures a seamless experience from application to loan disbursement and repayment.

Cooperative Partner

Oyescredit partners with various financial institutions and organizations to enhance our service offerings and reach a broader audience. These partnerships enable us to provide more comprehensive financial solutions and better serve our customers. We believe in the power of collaboration and are always open to new opportunities that align with our mission and values.

Ease of Use

Our app is designed with the user in mind, ensuring a straightforward and intuitive experience. From applying for a loan to managing repayments, every step is simple and easy to navigate. We use advanced technology to streamline the application process, reduce paperwork, and provide instant decisions.

Security

Security is a top priority at Oyescredit. We implement robust security measures to protect our customers’ personal and financial information. Our platform uses state-of-the-art encryption and secure servers to ensure that all data is safe from unauthorized access. We are committed to maintaining the highest standards of security to build trust and confidence among our users.

Instant Loans

One of the standout features of Oyescredit is our ability to provide instant loans. We understand that time is of the essence, especially in emergencies. Our efficient application process and advanced algorithms allow us to assess creditworthiness quickly and disburse loans within minutes. This feature sets us apart from traditional lending institutions and makes us a preferred choice for many Nigerians.

Safe and Reliable Online Loan App in Nigeria

Oyescredit prides itself on being a safe and reliable online loan app in Nigeria. Our commitment to transparency, customer service, and security ensures that our customers can trust us with their financial needs. We have built a strong reputation for reliability and have helped thousands of Nigerians achieve their financial goals. Whether it’s a personal loan, business loan, or emergency funding, Oyescredit is here to provide the support you need, when you need it.

Conclusion

In conclusion, Oyescredit is more than just a loan app; we are a trusted financial partner dedicated to empowering Nigerians through accessible and innovative financial solutions. Our comprehensive range of services, commitment to excellent customer service, and robust security measures make us a leading choice for individuals and businesses alike. Join the Oyescredit family today and experience the future of digital lending in Nigeria.

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

Cancelation of request (Oyescredit ) (Oyescredit )
I made a repayment and they automatically loaned me another one without my permission and have refund the amount they borrowed me since yesterday, have sent message and been calling the number that inform that have paid part of the money which remain the interest but they refuses to reply my messages and calls. Contact them to tell those DIVI CASH people to clear the interest because am not ready to pay for it because i do not apply for any loan after my repayment and have return the loan they disburse to my account immediately...
- 8/31/2024
Cancellation of requests (Oyescredit ) (Oyescredit )
Contact these people to cancel processing and pending orders on my app, I made a repayment and the automatically loaned me another one without my permission..
- 8/4/2024