Online Loan - Fast Naira Cash

PACT OWOH LIMITED

About this app

Online Loan – Secure & Transparent Loans in Nigeria

Key Features
- No Collateral Required – Apply with your valid ID and bank account.
- Fast Disbursement – Typically within minutes after approval; actual timing depends on bank/network availability.
- Repayment Convenience – Choose plans that match your cash flow.
- Installment Option – Repay in stages and ease your financial burden.
- Limit Growth – On-time repayments may unlock higher limits.
- Secure by Design – Data encrypted in transit and at rest.
Loan Details
- Loan Amount: ₦5,000 – ₦2,000,000
- Repayment Tenure: 90 – 120 days (Installment payment available)
- Interest Accrual: No interest on the disbursement day; interest starts on T+1. No interest is charged on the due date, so the actual interest-accrual days are 89 - 119.
- APR Range: 20.00% – 73.00% per annum (APR includes interest and all applicable fees; currently, Service Fee = 0%)
- Maximum APR: 73.00%
- Minimum APR: 20.00%
Representative Examples
- ₦10,000 for 100 days at 27.41% APR, repayable in 2 installments:
- 1st Installment Interest = ₦10,000 × 27.41% ÷ 365 × (50 - 1) = ₦368
- 2nd Installment Interest = ₦10,000 × 27.41% ÷ 365 × 50 = ₦375
- Total Interest = ₦368 + ₦375 = ₦743
- Total Repayment = ₦10,000 + ₦743 = ₦10,743
How It Works
1. Download & Register – Sign up with your mobile number.
2. Complete Profile – Provide required details to view your limit.
3. Select Plan – Confirm amount and tenure.
4. Review & Approval – Automated checks; approval is not guaranteed.
5. Receive Funds – Disbursed to your bank account upon approval.
Eligibility
- Nigerian resident, 18+
- Valid mobile number & active bank account
Privacy & Data
- We collect only the data necessary to deliver and secure the service.
- See our Privacy Policy for full details: [https://www.pactowoh.africa/#/privacy-policy-online-loan-android]
Customer Support
- Phone: [phone]
- Email: [e-mail]
- Office Hours: Mon–Sat, 9:00–18:00 WAT (UTC+1)

Disclaimers
Loan offers are subject to eligibility checks, verification, and approval. Disbursement times may vary by bank and network availability. No hidden fees; if any fee policy changes, APRs will be updated accordingly.

What’s new

1. Optimize loan extension function
2. Fix several issues