Nice Naira Loan App, Requirements, Benefits, and More

Nice naira

The Nice Naira loan app is a platform that allows Nigerians to borrow money online with flexible term structures and attractive interest rates. According to the app’s description on Google Play Store, users can apply for a loan amount of up to NGN50,000 based on their financial needs and credit rating. The loan term varies from 90 days to 360 days, with an annual percentage rate (APR) of 12% to 30%, a service rate of 6% to 24%, and a monthly interest of 0.5%. The app claims to have no hidden fees, no rollover charges, and no transaction fees. The app also promises to be secure, transparent, and reliable and does not require any collateral or paperwork.

Requirements to Apply for Nice Naira Loan

To apply for a loan from NiceNaira, you must meet the following requirements:

  • Be a Nigerian citizen
  • Be at least 18 years old
  • Have a valid Nigerian phone number
  • Have a bank account in Nigeria
  • Have a good credit score

Nice Naira loan app benefits

Some of the benefits of using NiceNaira loan app are:

– You can apply for a loan anytime and anywhere with your smartphone

– You can get your loan approved within minutes and receive the money in your bank account

– You can choose the loan amount and maturity date that suits your needs

– You can access your loan history and repayment schedule on the app

– You can get discounts and rewards for inviting friends to use the app

See also: PhastMoney Loan: How to Apply for a Loan in Nigeria

How to Apply for Nice Naira Loan

To apply for a loan on the NiceNaira app, users need to follow these steps:

  • 1. Download and install the NiceNaira app from Play Store.
  • 2. Register an account with their phone number.
  • 3. Fill out their basic information and submit.
  • 4. Apply for the loan amount they need.
  • 5. Submit and wait for approval.
  • 6. Receive the loan directly into their bank account.

Loan Amounts and Interest Rates

  • NiceNaira offers loans ranging from ₦5,000 to ₦500,000. The interest rate on loans is 1% per day.

Repayment Terms

  • Loans from NiceNaira must be repaid within 30 days. If you repay your loan early, you will not be charged any additional fees.

Nice Naira loan app contact

If you have any questions, complaints, or feedback about the NiceNaira loan app, you can contact the app’s customer service through the following channels:

– Service Hotline: +2348034063318 (9 am – 6 pm (Mon-Fri), Sat-9 am-5 pm)

– Phone number: +2347083649549

– Email:

– Website:

Is Nice Naira Legit?

Yes, NiceNaira is a legit loan app. It is registered with the Corporate Affairs Commission of Nigeria (CAC) and is regulated by the Central Bank of Nigeria (CBN).

NiceNaira loan app features

According to the app’s description on Google Play Store, NiceNaira offers the following features:

– Loan amount up to NGN200,000 based on your financial needs and credit rating

– Loan term varies from 90 days to 360 days

– The annual percentage rate (APR): is 12% – 30%, the Loans service rate: is 6% to 24%, and the monthly interest is 0.5%

– Secure, transparent, and reliable

– No collateral/paperwork needed

– Higher borrowing amount and lower interest rate for timely repayments

See also: Lumos Loan App, Customer Care Number, apk download


NiceNaira loan app is one of the many online lending platforms that have emerged in Nigeria in recent years, offering quick and easy access to credit for individuals and small businesses. However, users should be careful and do their due diligence before applying for any loan, as some of these platforms may have hidden charges, high-interest rates, or fraudulent practices. Users should also read the terms and conditions carefully and understand their repayment obligations and penalties for defaulting. Users should only borrow what they can afford to repay and avoid getting into a debt trap.

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