4.4
5.03K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Pal Loan provides secure and reliable online revolving credit loan services through bank-grade encryption technology, providing the highest level of protection for your information and rights.

【Application conditions】
1. Citizens holding a Nigerian identity card
2. Age must be between 18-55 years old
3. Have a job and have the ability to repay the loan

【How to apply for a loan?】
1.download flexi cash on Google Play
2. log in, follow the easy to read procedure to apply for credit limit, and submit. The loan application request can be completed online in three minutes
3.Direct deposit into your linked bank account or any cooperative third-party MMO wallet account is done quickly.

【Loan Details】
1.Repayment periods from 61 days to 180 days
2.Loan amount from ₦2000 to ₦500000
3.APR from 36% to 300% per annum


*For example; ₦1000 is given for 90 days loan term,
*Interest:₦90(9%rate)
*Total amount payable:₦1090
Representative:36%APR

【Platform characteristic】
1.Free application
All Pal Loan application processes are free

2.All operations online, simple and convenient.
Complete process in 2 minutes with a phone, paper documents not needed.

3.Data security
High compliance with industrial data encryption laws, aims to provide the highest level of data and privacy protection.

4.High quality customer service
A wide range of customer service provisions such as; email, phone number, in-app chat, etc., committed to serve you 24/7.

【Platform advantages】
1.By maintaining good repayment actions, you could enjoy higher loan limits, lower interest rates, longer repayment terms as well as access to instalment repayment features.
2.Flexible and diverse repayment methods

For Pal Loan, your information security is our topmost priority therefore, we have strict data protection and verification procedures which prevents any kind of information leakage to third parties without your consent. We highly suggest that you could review our privacy policy through this link [https://h5.fleximfb.com/cash/protocol/pal-loan/privacy-policy] for reference purposes, to learn about any possible future changes. If you have any questions about our privacy policy, please feel free to contact our customer service 24/7 by either phone, email, or In-App chat..

Contact Us
customer service telephone numbers:018886888
Email: support@fleximfb.com
Office Address:1, COURT ROAD, OPPOSITE ECWA CHURCH, KARU, Abuja, Federal Capital Territory, 900108, Nigeria
Working hours: 9:00-17:30, Monday to Friday
Updated on
Jan 9, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.4
5.02K reviews
Rejoice Osondu
November 10, 2025
this app is so good, you'd get your loan without stress and very low interest. but you promised to give me a higher amount if I repay before due date and I repaid seven days before the due date yet the loan amount remained the same.
150 people found this review helpful
Williams Stran
November 23, 2025
since one day now I'm not owning then but the refuse to give me loan this app deserve more than five star because this is the most easily app to get higher amount of loan with good rate my problem is that my loan limits is low I need a high amount
187 people found this review helpful
Providence Heraclitus
December 20, 2025
useless app. I am using palmpay to do transactions worth 500k. I want to take loan you are telling me I should do more transactions, that pal loan is not available to me,rubbish
33 people found this review helpful