₦airaland Forum

There is no app…it’s a website

OkayBye:
this carbon get wahala sha but signed up on kuda now... thanks Brother. Someone said I should try PalmPay too.

Please, how does the kiakia thing work? Can’t get the app. Thanks man!

Try carbon and Kuda or you could try Kia kia loan too(it’s a web app)

OkayBye:
Thanks man... Just got denied... chai

Try Lcredit

OkayBye:
not available on iPhone

Check fairmoney or branch for loans

Fake video

Shut up

Heathrow44:
go and pay up ur loan, wicked man

Chacha go ruin your life

MARINEMONEY:
Hi....

Get access to quick funds very fast using Chacha
https://www.chacha.ng/mobile/register?userCode=nP3DmD


Safe... Secured.... Swift

Na lie

tsnoop:
Lol � funny people

Person don buy car he Don reach house

U na still day comment

����

Check the plugs and coil…and check the fuel pump. Another thing is to remove the fuel tank and wash it

Don’t mind the guy. He didn’t sell anything who will buy this coffin

Kwara1stson:
Oga u didn't sell anything.. nobody will buy this scrap except for the part

Look at the seat…the body na problem the owner probably is tired of fixing the Wahala in that car. Na to use am to kabu kabu. From the state of the car…if the owner see 600k make him collect. The car be like moving coffin because after you buy the car. Mechanic go dey come your house every Sunday for rice. Advice to whoever that wants to buy the car. Budget money for new engine, money to fix the interior and exterior and judging by the state of the car…the tyre go don cut wire

Do not borrow from them. My neighbor almost committed suicide because of them. My Neighbour defaulted and they started calling all his contacts. Run from Lcredit. You guys can try Fairmoney or Branch

This is fake news…stop causing confusion

Arrewa:
I wonder how long our political and religious leaders will continue to calm and pin us down against retaliation!!!

But I know.... We'll pay back 10x of have been melted on our people.

We'll never forget nor forgive...

Your name speaks for yourself.

EmptyGarden:
They should make it a month while they're at it... Make hunger finish their people!

A business development executive is needed in a haulage company. Minimum of two years relevant experience in the haulage industry is required. Qualified candidates should send CV's to
mail to: gerald@fpilco.com

It’s their ideology

chiemmanuel:
Reason?

They eat tofu.
They don't wear earring.
They don't take coke or pepsi

This is a lie...I will not recommend Lcredit to anyone. Their interest rate is very high. Pls to avoid stories that touch the heart don't use Lcredit. My neighbor defaulted for a day and they started calling his contacts and telling them that he is a fraud and note that it was his first time defaulting and it was his third time collecting a loan from them. A friend of mine works with Lcredit too. She said she feels sorry for people especially when they default and that they are instructed to do everything possible to get the money back because they are given targets. She said one day she called a client for their money. The client narrated how he almost committed suicide for a loan he collected and couldn't meet up because he had bills he had to pay at the hospital after his wife had lost the baby during child birth. So people felt he had bad luck after the series of calls and text they got of being a fraud. Most of the people who are giving the app five stars on playstore are their staffs. I see some of the text formats she has on her laptop that she sends to her customers and how they respond after she sends the messages. Sometimes she starts laughing after they respond because of the messages she sends to them on WhatsApp. The way they start begging and promising heaven on earth to pay back because they are scared. Sometimes I laugh too but it's not easy. I'm not in support of owing because I know Nigerians take things for granted and this is someone's business. But na person wey dey alive go fit pay him debt. I recommend renmoney,Fairmoney or carbon. Note that I recommended three different loan apps before someone will say I'm trying to promote another one and also note that these ones I recommended also have their own cons too

Loanpublishing:
Is Lcredit legit? You must have been wondering if Lcredit is a legitimate loan app that allows people to take quick loans without using any of their assets as collateral.

If you're here trying to find out if Lcredit is a legitimate or fake loan app or money lending app. Then you're in the right place. We've written a well-detailed review of the Lcredit loan app.

In this article, I'll show you all you need to know regarding the Lcredit loan app and why it is a scam or legitimate app.

In Nigeria today, a lot of loan apps are being published on the play store every day and a lot of people are downloading these apps because of how desperate they are to get quick loans.

Most of these apps give out the loans as promised and others are out there to defraud innocent people of their hard-earned money. We've seen cases where people are being asked to pay a certain amount of money before getting loans and in some other cases, people lose their money once they link their bank card to the fraudulent loan apps.

Situations like this are one of the reasons why we established the loan publishing website in other to fight against any loan app that is out there to siphon money from people.

Most of these loan apps are not regulated by the Central Bank of Nigeria which I personally find disturbing. The Central Bank Of Nigeria (CBN) is supposed to ensure that any services that involve monetary transactions which can harm the public should be checkmated for customer or consumer protection in other to create an atmosphere where people can perform any online transaction with confidence without being afraid of losing their money.

To cut the story short, let us dive in and see if the Lcredit loan app is a scam or another legitimate money lending app that is yet to become the next big money lending app in the market.



Also Read: Auto Loans In Nigeria




What Is LCredit Loan App?
LCredit loan app is a money lending application in Nigeria that offers quick loans without asking customers to present any paperwork or use their valuable assets as collateral. The loan app promise to give out loans to their customers once they pass through the verification process. The Lcredit loan app uses a machine learning tech algorithm to analyze users' data through the help of the bank verification number (BVN) before giving out a loan.

With the BVN, Lcredit can evaluate the credit score of any customer applying for a loan on its platform. This algorithm allows them to do the following;

Know the credit score of the customer
To determine the minimum or maximum amount a customer can get from Lcredit
To know if a customer is a bad debtor that has been reported to the credit bureau over the failure of paying outstanding debts of other lenders.
According to the Lcredit official website, it stated that "Lcredit is a quality financial platform that allows Nigerians to take loans, anywhere, anytime of the day, be it morning, afternoon or night".

How To Sign Up On Lcredit

Applying for a Lcredit loan is pretty easy and straightforward. Just follow the simple steps below to get started with your Lcredit account.

Step 1

You need to download the Lcredit loan app in other to proceed with your registration. The Lcredit application is available on the play store for download. You can also download the APK version of the Lcredit loan app from HERE

Step 2

Fill in your information by providing your BVN. (Make sure you enter your real information if you want to get a loan from the app).

Step 3

Get approval and apply for a loan.

Step 4

On successful application and approval, your loan will be disbursed



Also Read: Get a loan in less than a minute

Requirement For Lcredit Loan

As I have mentioned above before, the Lcredit loan app does not require any document, collateral, any document, or requires you to provide any guarantor before getting a loan.
The app only requires you to be an adult from 20-55 years in other to get a loan. If you're a minor, you cannot get a loan from the Lcredit loan app.

The Lcredit loan requires you to be a citizen of Nigeria and also residing in Nigeria before you can apply for a loan of any amount.

Lcredit Loan Login

Login into the Lcredit Loan App requires you to have an existing account. When you have an account with the Lcredit Loan App, you can always use your phone biometric to automatically sign in to your account or authorize any transaction using your phone fingerprint.

LCredit Loan Interest Rate

According to Lcredit, their interest rate is 0.1% to 1% of a loan with a tenor of 91 - 180 days. They allow stated it clear that their annual interest rate is from 36%-300%. This interest is calculated on a daily basis.

Example:

If you choose a 91-day loan, payment terms have an origination fee of 39% and an interest of 2.7%. For the loan processed with a principal amount of NGN 3,000, the origination fee would be NGN 1,174, the interest would be NGN 81, the total amount due would be NGN 4,255

How To Download The LCredit Loan App (Lcredit loan APK)

The Lcredit loan app is available on the google play store for instant download. The Apk Version of the LCredit Loan App can be downloaded from the APK combo. You can download it by clicking HERE.

The Lcredit loan application is available to android users with an operating system of 4.3 and above, any android with a lesser OS will not be able to run the Lcredit loan app.


Also Read: Loan With BVN

How Much Can I Get From Lcredit Loan App?

As a customer or borrower from Lcredit loan, you can take a loan of N5,000 to N50,000 depending on your credit score. The loan offer differs depending on the customer. A customer with a higher credit score will get a higher amount compared to a customer with a lower credit score.


Pros Of Lcredit Loan

Lcredit has a lot of pros which makes the app another great lending app. These are;

No need for collateral
No paperwork involves
No need to visit their office
Loans are disbursed almost instantly without delay

Cons Of Lcredit Loan

As of the time of writing this post we only saw a few problems with the Lcredit loan. These problems are;

Lower Loan Offer

If you're looking for a higher loan offer, then a Lcredit loan is not for you. The app only offers as low as N5,000 to N50,000 only.

No Physical Address.

As of the time of writing this article, we couldn't ascertain the physical address of the Lcredit loan. All we know is that the business is operated from Lagos, Nigeria.

Lcredit Review (Is Legit or scam?)

We have seen a lot of negative reviews about Lcredit online. Most of these reviews might be coming from competitors who are out there to tarnish the image of Lcredit.

Kindly disregard any of those negative reviews written against Lcredit Loan. From our research and use of the Lcredit service, we can confidently tell you that Lcredit is a Legitimate Loan App.



How To Contact Lcredit (Lcredit customer support)

You can contact Lcredit in case of any problem through their email address and various social media handles.

Email: support-ng@firchinternational.com

Facebook: https://www.facebook.com/lcreditNg/

Twitter: https://twitter.com/LcreditNg

Instagram: https://www.instagram.com/lcredit.ng/

Editors Tips: To avoid being in the black book of money lenders, don't take loans if you're unsure of how to pay back the loan. most of these lenders make it clear that they will be getting their money on the agreed date. failure to pay back comes with a consequence. I repeat again, don't take a loan if you can not pay it back!

we have seen people complaining that disgusting messages are being sent out to their contacts because they're defaulting on their loans. A lot of Nigerians are bad debtors for some reasons which are known to them. and the only way to get a debt from them is to follow them the hard way. Kindly ensure that you pay back your loan on or before the agreed date. This will help in building confidence between you and the lender.

Conclusion
If you find this article helpful, don't forget to share.


Source: https://www.loanpublishing.com.ng/2021/12/is-lcredit-loan-app-legit.html

Jisos...na person pikin oo

Sctests:
Abokey mugu, everybody no be poverty-stricken bambiala and allah-ba-mu-sa monkey like you.

Answer the question and bring your almajiri plate, so I can drop for you a measly nickel to feed your family. Trisomic Mugu!

Thank you

Tombrown3:
Lol... I can't tell you how to dupe people of their hard earned cash but will tell you this for free...

Back up your main contact and delete all of them, the replace it with any regular number. Clear your call logs and messages too, always make a backup of all these so you can reinstall afterwards.

Your private information is their collateral for the loan, now imagine a sensitive message being licked, because they have all that, and from my observation, it states in their data base forever! Even when you no longer patronise them. They sell mist of these information, how do you think random people can call you, state you name and bank without ever knowing them?

Just stay away from loan app bro, those people don't like you. Hope you watched Squid game

Pls can u explain to me

Tombrown3:
From what I've seen on this thread, seems most of the commenters are working with this loan people.

I'm an Android developer and I can tell you, this guys do some really shitty work with their app, very inconsistent and unreliable.

You wanna payback loan and the app ends up misbehaving, a stranger text you on WhatsApp saying his from the same company and sends you a bank account to make the payment, after that only for another pressing to call saying your koan has not been paid.


Well, I've told victims, if you wanna borrow, make sure you change all your contact to fake numbers. And don't every leave the app installed on you after borrowing. Reinstall the app when ever you wanna payback, simple.

These apps request almost 10 permissions from your phone, they monitor everything you do and can even turn on your camera without your notice as long as you have granted them permission to it! It's crazy cause I feel they could easily wipe your account but just don't want to.

I could go ahead to tell you how to deal with them, but that will be a secret ill have to keep off online.

Oga shut up...instead of you to be happy for him...you think it's easy...with your 50mb you will come and be writing rubbish here..Nigerians....smh...just don't angry the gods

Hezmatosky:
Must you write your name? Air peace never do?

TOP AFRICAN COUNTRIES WITH THE HIGHEST CHINESE POPULATION
November 13, 2021
4 Mins
Over the years, Africa has experienced a rapid growth in the number of Chinese immigrants into the continent. Most of the Chinese moving into Africa are doing this because of the economic opportunity available in Africa. When they first started arriving in Africa, majority of them came in as contract labourers. As time went in, they continued migrating, living and working in Africa. No one knows the accurate number of Chinese in Africa but are estimated to be about two million. They started settling in the late 90’s and early 20th century. Presently, there are still continuous migration to the continent to pursue various economic opportunities.

TOP AFRICAN COUNTRIES WITH THE HIGHEST CHINESE POPULATION.
1. GHANA: Ghana has the largest population of Chinese in the continent. Chinese people began migrating to Ghana since 1940’s and most of them came from Hong Kong. However, they began to migrate from mainland China in the 1980’s. There is no exact number of Chinese living in Ghana but are estimated to be about 700,000. This means that about 2.4% of those living in Ghana are Chinese. Ghana is currently hosting the highest population of Chinese in Africa as a whole.


2. SOUTH AFRICA: According to sources, there are about 400,000 Chinese currently working and living in South Africa. There have been different waves of migration of the Chinese people to South Africa over the years. They have established multi-lingual and multi-generational communities of Chinese in the country. South Africa currently has the second highest population of Chinese in the whole of Africa.

3. MADAGASCAR: The first Chinese migrant arrived in Madagascar in 1862. The man settled in the country and got married to a local woman. Four years after, six other Chinese came into the country, in 1872, three more arrived. In 1894, 14 other arrived and in 1896, 500 Chinese arrived in Madagascar. A year later, labourers were transported to Madagascar to work on a railway construction. The total number of Chinese living in the country as of 2011 was about 100,000. Today, the total number of Chinese in Madagascar forms the third highest in Africa.

4. ZAMBIA: The migration of Chinese into Zambia began in 1979 with the largest aid project in Zambia. It was the construction of Tazara railway in Zambia. The construction made thousands of Chinese workers migrating to the country. As of September 2014, it was reported that there were about 19,845 Chinese living in Zambia. The number has increased rapidly and as at 2019, it was reported that the population of Chinese living in Zambia is about 80,000.

5. UGANDA: In 2007, there were about 7,000 Chinese living in the country but it has increased rapidly as years move by. The total population today is estimated to be about 50,000. The major expansion began in 2005 after Chinese investors included restaurant and hotels. China is a top investor in the east African Country accounting for as much as half of total foreign investment between 2014 and 2015. According to Ugandan Immigrations, there is one major downside. An increasing number of Chinese men are marrying Ugandan women to gain residency and continue their business interest in the country. The increased trade and Chinese residency has caused a backlash. The influx of shop keepers from China has caused constanation among Ugandans who compete in retail.

6. KENYA: Chinese migrating to Kenya can be traced back to the 20th century. Back in 1996, there were just few Chinese in the country and there was just one Chinese restaurant in the country located in Nairobi. Now, Kenya has more than 40 Chinese restaurant which was opened by expatriate from China. The two popular line of business for Chinese living in Kenya are TCM clinics and restaurants. They also run import and export business in different items. They also have a Chinese community school in Kenya with about 20 teachers and 200 hundred students. They also have a population of about 50,000 which makes Kenya one of the top African countries with the highest Chinese Population.

MuhdGombi:
Over the years, Africa has experienced a rapid growth in the number of Chinese immigrants into the continent. Most of the Chinese moving into Africa are doing this because of the economic opportunity available in Africa. When they first started arriving in Africa, majority of them came in as contract labourers. As time went in, they continued migrating, living and working in Africa. No one knows the accurate number of Chinese in Africa but are estimated to be about two million. They started settling in the late 90’s and early 20th century. Presently, there are still continuous migration to the continent to pursue various economic opportunities.

THE LINK BELOW SHOWS THE TOP AFRICAN COUNTRIES WITH THE HIGHEST CHINESE POPULATION.

https://gombiland.com/top-african-countries-with-the-highest-chinese-population/

it can also make your money vanish

Sonnobax15:

Yes and no.......

Because you can as well double your grave with sport betting

This guy is not smart at all. "Shim" doesn't know technology has advanced. You can do a Google image search

siofra:
I'm so so grateful to nairalanders. They gave me some solid advice which I took now my nyash is looking BAM!!!

Now my dream of being a runs girl is about to be fulfilled. I just need kayanmata and a few more clients from nairaland.

This is what my nyash looks like now.

MUMU

1sajog0:
SINGLE
TWO-ODD# AVAILABLE#
FELLOW NAIRALAND MEMBERS;
WHATS-APP ME NOW ;

0 8 1 7 9 1 4 6 0 3 4

Dear Mr. Xelly stop contradicting yourself.
In as much as I didn't elect him...what is his business providing vehicles for the police. He is there doing advert with the vehicle so that everybody can see. Mr. Xelly do you know the cost of the pickup that he purchased for the police? The money used will food on people's table and will prevent people from going into crime and there will be no need for that vehicle and Justsoyouknow that vehicle doesn't solve anything. I swear you deserve a president like buhari so that you can keep wailing behind your phone. Pls you should know the difference between we ,where, we're and were. Your English is terrible. If u can't use the English language...why don't you try pidgin. Don't come here acting like a numbskull

xelly:
Where are talking about GO not president. Did you elect GO to manage your economy?

I know your type will be pro bad governance but anti GO

Pls what technology..so giving cars to the police is adding technology...it's people like you and your GO that's taking us back. Don't you know that it's hunger that makes people go into crime...do u know that the money spent on those vehicles can change people's lives and change their mindset about life..that car that police will go and crash next week while looking for chasing for yahoo boys or bus drivers because of N50. Pls stop talking like a nitwit abeg..

xelly:
So that your plans will be trucketted. They are also adding technology to the escort team. To pepper you well.

Why is your GO relying on men for security. I guess he doesn't believe in Psalm 23��. What happened to his wife sef �. Fake pastor. Don't go and start your church like your pastor....stay there and be relying on free opera

xelly:
hmmm, I see your problem is the escort. Isn't it? Prevail on the FG to provide security so that they don't toe that path. Abi you get plan to kidnap them?

Regarding my little mb, I am not complaining. If it finishes, I will use free opera.

I'm good in a lot of things ..your GO will be going around with escort and enjoying life...but you are here on nairaland fighting for someone that doesn't know you exist with your small mb....you are so gullible

xelly:
What are you good at?

The only thing your GO is good at is to fry hair like Akara fifty naira

Iyaebe:
You are the rubbish, enemy of good things.

Rubbish

Iyaebe:
This should make front page lalasticlala let the good work of my G.O be heard and known.