Flypay Loan Review and How to Apply for Loan

Flypay loan is a credit line and instant personal loan app in Nigeria that allows you to borrow and repay loans on your terms.

With a wide loan range and flexible payment terms, Flypay makes it easier for Nigerians to access credit and achieve their financial goals.

In this blog post, we’ll explore the key features, loan amounts, interest rates, eligibility criteria, and application process of the Flypay Pro loan.

Key Features of Flypay Pro Loan

Flypay Pro offers a range of features that make it stand out in the crowded Nigerian lending market. Some of its key features include:

  • Wide loan range: Flypay offers loans ranging from NGN 5,000 to NGN 600,000, making it suitable for a wide range of financial needs.
  • 100% digital process: You can apply for and manage your loan entirely online, without the need for any paperwork or physical visits to a bank or lender.
  • No collateral required: You don’t need to provide any collateral to secure your loan, making it easier to access credit for those who don’t have assets to pledge.
  • Lower fees and flexible payment terms: Flypay Pro charges lower fees and allows you to choose your repayment term, so you can tailor your loan to your budget and financial situation.
  • No pre-closure charges: You can pay off your loan early without any penalties or fees, which can save you money on interest charges.

Interest Rates

Flypay Pro offers loans ranging from NGN 5,000 to NGN 600,000, with repayment terms of 91 to 180 days. The maximum annual percentage rate (APR) is 36% or 0.08% per day.

Let’s take an example to understand how the interest charges work:

Suppose you borrow NGN 30,000 with a repayment period of 120 days. The total interest you’ll pay will be:

NGN 30,000 * 0.08% * 120 = NGN 2,880

Therefore, the total amount you’ll have to repay, including the principal and interest charges, will be:

NGN 30,000 + NGN 2,880 = NGN 32,880


To be eligible for a Flypay Pro loan, you need to meet the following criteria:

  • You must be a Nigerian citizen
  • You must be between 20 to 55 years old
  • Have a valid bank account
  • Means of income

Application Process

The application process for a Flypay loan is straightforward and entirely digital. Here are the steps to follow:

  1. Download the Flypay Pro app from the Google Play Store.
  2. Create an account with your phone number to receive an OTP (One Time Password).
  3. Choose the product for which you want to apply.
  4. Fill out the application form correctly and submit it.
  5. Receive profile approval.
  6. Have your loan disbursed into your bank account.

What Makes Flypay Unique?

Flypay Pro offers some unique features that differentiate it from other lending apps in Nigeria. Here are a few of them:

  • Claim offers/deals available in the app and saves every time you spend.
  • Get exclusive cashback codes via SMS.
  • All financial services are secure and backed with the trust of a bank, so you can transact and invest worry-free on the Flypay Pro app.

How Safe is Flypay Pro?

Flypay Pro takes the security and privacy of its customers’ information seriously.

The app ensures safety via standard security and privacy standards to protect its database.

Flypay Pro does not share customer information with third parties without consent. For more information, you can refer to their privacy policy on their website.


Flypay Pro is a credit line and instant personal loan app in Nigeria that provides a wide range of loan amounts and flexible repayment terms.

The app offers features like a 100% digital process, lower fees, and no collateral required, making it easier for Nigerians to access credit and achieve their financial goals.

The eligibility criteria for a Flypay loan are simple, and the application process is entirely digital.

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