NiceCredit

Papichou Technology Limited

1979

Loan amount

₦2,000 - ₦200,000

Loan term

90 - 360 days

Interest rate

From 28%-30%

Service fee

Free

Requirements

It has a registered phone number

Loan disbursemen

Fast loan disbursement

Apply Now

Version:

1.0.4

Support:

Android 5.0 and up

Updated Date:

Oct 24, 2025

Downloads:

500K+

Size:

43,5MB

Email:

[email protected]

Hotline:

+2348036115088

Website:

https://www.nice-credit.net/

Working hours:

8:30 Am - 5:0 Pm

Address:

No. 1, Kukwaba Hills, Constitution Ave, Wuye, Kunkwaba, Nigeria

Information

Registration Operating Area

The app is available for use within Nigeria

Registration Age Requirement

Users aged from 20 to 60 years old are eligible to apply

Personal Income Requirement

Borrowers must have a stable monthly income of approximately ₦3,000

Phone Number Requirement

Users must use an active phone number for registration and account verification

Repayment Method

Loans can be repaid directly through the app or via bank transfer as instructed

Document Requirement

Users must provide a valid personal identification document

Initial Registration Loan Amount

For the first loan, the maximum amount is ₦2,000

First Loan Interest Rate

The first loan has a starting interest rate of 10.5%

New Customer Promotion

New customers are eligible for various special offers

Loan Interest Rate

The annual interest rate starts from 30%, depending on the borrower’s credit profile

Loan Amount Limit

Users can borrow from ₦2,000 up to ₦200,000 after credit evaluation

Loan Term

Loan terms are flexible, ranging from 90 days up to 360 days

Approval Time

The approval process is fast

Loan Service Fee

There is no service fee

Late Payment Penalty

A late payment penalty of ₦350 per day will be applied

NiceCredit is an online personal loan application that helps users in Nigeria access financial support in a simple, fast, and convenient way. With a user-friendly interface and an optimized registration process, you can complete your loan application in just a few minutes directly on your mobile phone.

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Benefits of Choosing NiceCredit

Quick and Easy Loan Registration A simple and hassle-free process, suitable for all users
Personalized Loan Solutions Loan limits and terms are tailored based on each user’s credit profile
Secure and Protected Transactions The system is designed to secure user information and data
Flexible Repayment Options Multiple repayment methods help you manage your finances more effectively

NiceCredit Loan Application Process

Log in using a Nigerian mobile phone number
Provide basic personal information
Submit your loan request and wait for approval
Receive funds directly into your registered bank card

NiceCredit is more than just a loan app it is your trusted financial companion. With transparent processes, fast registration, and flexible loan packages, NiceCredit empowers you to handle your financial needs confidently and efficiently. Download NiceCredit today to experience a simple, secure, and personalized lending solution.

FAQ

After completing the payment, you can apply for a new loan directly through the app.

Late payments may incur agreed-upon fees and negatively impact your credit score.

No. Loans are approved based on personal profile and credit score; no collateral is required.

Loan Calculator

Based on the loan amount

I want to borrow

Term / Days

%/day

Loan Amount

10 000 000 $

Interest

70 000 $

Total Repayment

10 070 000 $

Annual Interest Rate

18 %

Apply Now

Number of Loans

Author: Sabiha Sathi

Sabiha Sathi is an experienced financial expert in the fields of credit and lending, currently serving as the Content Manager for the website. With a user-centric approach, she focuses on sharing carefully curated information about trustworthy online loan applications and is committed to delivering clear, fast, and effective borrowing solutions tailored to specific financial needs.