Xcredit
100K+
Downloads
Everyone
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About this app
Embark on a Financial Freedom Journey with xcreditplus
Welcome to the future of finance, where millions trust xcreditplus to bring flexible, instant credit options to their fingertips. Need to borrow up to ₦80,000 swiftly? We've got you covered. Take control of your financial destiny with xcreditplus - your instant, reliable loan companion.
Why xcreditplus?
✔ Forget paperwork, collateral, or registration fees
✔ A single ID and Bank Account are all you need
✔ Flexible repayments - up to 180 days
✔ Expand your credit limits exponentially
✔ Enjoy the industry's lowest rates - as low as 0.1% per day
Our hassle-free application process
Download the app, provide basic information, and let us customize your credit score
Specify your preferred loan amount and repayment date
Receive funds directly in your bank account
Repay with ease using our online payment or USSD code
Apply for your next loan round with a higher limit, post repayment
Who's Eligible?
✔️ Any Nigerian resident aged 18+ years
✔️ Individuals with a valid ID and a mobile number
xcreditplus Advantages
• Borrow for up to 180 days
• Repayment schedule flexibility with cost adjustment
• Crystal-clear fee descriptions; no hidden charges or unsuccessful application fees
• Enjoy daily interest rates as low as 0.1% (₦10 per day for borrowing ₦10,000)
• Grow your limit up to ₦ 100,000 quickly
• Secure your personal data with SSL encryption
• Late on repayment? We still treat you with respect
• Refer friends and earn ₦3000 off your next loan
Loan Terms
• Credit limit: ₦4,000 - ₦100,000
• Daily interest rate: 0.1%-0.6%
• Maximum APR: 36.5% - 182.50%
• Loan duration: 90-180 days
Fee detail
For example: If your loan principal is ₦4000 Payment period is 120days, and the daily rate is 0.1%; the total fee should be ₦4000 * 0.1%*120 = ₦480.
And the total repayment amount should be ₦4000+₦4000 * 0.1%*120=₦4480
Repayment Example:
If you choose to make a one-time repayment, then you will make a one-time repayment of ₦4480 after 120 days.
If you choose to make monthly repayments, your monthly repayment amount will be ₦4480/4 = ₦1120
Our privacy policy ensures your personal information remains yours (Privacy Policy:https://www.xcreditplus.com/privacy-policy). Any questions or concerns? Feel free to reach us at help@xcreditplus.com or visit us at Ikeja GRA, Lagos State, Nigeria.
Download xcreditplus today and step into the future of instant, reliable, and convenient credit options.
Welcome to the future of finance, where millions trust xcreditplus to bring flexible, instant credit options to their fingertips. Need to borrow up to ₦80,000 swiftly? We've got you covered. Take control of your financial destiny with xcreditplus - your instant, reliable loan companion.
Why xcreditplus?
✔ Forget paperwork, collateral, or registration fees
✔ A single ID and Bank Account are all you need
✔ Flexible repayments - up to 180 days
✔ Expand your credit limits exponentially
✔ Enjoy the industry's lowest rates - as low as 0.1% per day
Our hassle-free application process
Download the app, provide basic information, and let us customize your credit score
Specify your preferred loan amount and repayment date
Receive funds directly in your bank account
Repay with ease using our online payment or USSD code
Apply for your next loan round with a higher limit, post repayment
Who's Eligible?
✔️ Any Nigerian resident aged 18+ years
✔️ Individuals with a valid ID and a mobile number
xcreditplus Advantages
• Borrow for up to 180 days
• Repayment schedule flexibility with cost adjustment
• Crystal-clear fee descriptions; no hidden charges or unsuccessful application fees
• Enjoy daily interest rates as low as 0.1% (₦10 per day for borrowing ₦10,000)
• Grow your limit up to ₦ 100,000 quickly
• Secure your personal data with SSL encryption
• Late on repayment? We still treat you with respect
• Refer friends and earn ₦3000 off your next loan
Loan Terms
• Credit limit: ₦4,000 - ₦100,000
• Daily interest rate: 0.1%-0.6%
• Maximum APR: 36.5% - 182.50%
• Loan duration: 90-180 days
Fee detail
For example: If your loan principal is ₦4000 Payment period is 120days, and the daily rate is 0.1%; the total fee should be ₦4000 * 0.1%*120 = ₦480.
And the total repayment amount should be ₦4000+₦4000 * 0.1%*120=₦4480
Repayment Example:
If you choose to make a one-time repayment, then you will make a one-time repayment of ₦4480 after 120 days.
If you choose to make monthly repayments, your monthly repayment amount will be ₦4480/4 = ₦1120
Our privacy policy ensures your personal information remains yours (Privacy Policy:https://www.xcreditplus.com/privacy-policy). Any questions or concerns? Feel free to reach us at help@xcreditplus.com or visit us at Ikeja GRA, Lagos State, Nigeria.
Download xcreditplus today and step into the future of instant, reliable, and convenient credit options.
Updated on
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 6 others
Data is encrypted in transit