FlashCredit Loan App Honest Review – Fast, Paperless Loans in Nigeria
FlashCredit, also known as com.loan.aceloan on the Google Play Store, is one of Nigeria’s growing micro-lending apps. It provides quick, fully digital loans without paperwork, giving users easy access to funds anytime, anywhere.
App Overview & Core Features
- 100% online loan application – no paperwork required.
- Funds are disbursed directly to your bank account after approval.
- Available 24/7 for Nigerian users.
- Over 1M downloads on the Google Play Store.
Loan Terms & Example Breakdown
- Tenure: 91 to 365 days
- Annual Interest Rate (APR): 12% – 18%
- Loan Amounts: ₦2,000 up to ₦200,000
Example: Borrow ₦30,000 at 12% APR for 4 months. Total repayment is ₦31,200 (₦7,800 monthly).
How FlashCredit Works
- Download the app from the Google Play Store.
- Register with your personal details and verify your identity.
- Apply for a loan – no collateral required.
- On approval, funds are sent directly to your bank account.
Privacy, Security & Eligibility
FlashCredit encrypts user data and promises not to share personal information with third parties without consent. The app also sends repayment reminders to help avoid penalties. Currently, it is available only to Nigerian residents aged 18 and above.
Pros & Cons
| Pros | Cons |
|---|---|
| Fast, digital loan processing | Only available in Nigeria |
| Transparent APR (12%–18%) | APR higher than traditional bank loans |
| Loan amounts up to ₦200,000 | First-time users may get small loan limits |
| Strong privacy and encryption | Late repayments attract penalties |
Customer Support & Developer Info
- Email: flashcredit_cs@flashcreditapp.com
- Hotline: +234 916 019 4917
- Office Address: Allen Avenue, Omole Phase 1, Lagos
- Last Updated: May 21, 2025
Our Honest Verdict
FlashCredit is a reliable loan app for Nigerians in need of quick, paperless loans. With flexible repayment, fair APR compared to many competitors, and a maximum loan limit of ₦200,000, it’s suitable for emergencies or short-term borrowing. However, borrowers must repay on time to avoid penalties.
Download FlashCredit Loan App
You can download the app directly from the Google Play Store below: