Swiftkash Credit Loan App: Everything you Need To Know

Swiftkash Credit Loan App
Swiftkash Credit Loan App

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SwiftKash is a digital lending platform that offers personal loans to Nigerians. The company uses machine learning to predict borrower behavior and instantly evaluate loan applications. SwiftKash offers loans ranging from NGN 5,000 to NGN 600,000, with an APR of up to 36%.

How To Apply For Swiftkash Credit Loan

  1. Download the Swiftkash app from the Google Play Store or Apple App Store.
  2. Create an account with your phone number and OTP.
  3. Choose the loan amount and tenure that you want.
  4. Fill out the application form and provide your BVN.
  5. Submit your application and wait for approval.

If your application is approved, the loan will be disbursed to your bank account within 24 hours. You can then use the loan to meet your financial needs.

Here are some of the requirements for applying for a Swiftkash credit loan:

  • You must be a Nigerian citizen between the ages of 20 and 55.
  • You must have a valid BVN.
  • You must have a smartphone with an internet connection.
  • You must have a bank account in Nigeria.

The interest rate for a Swiftkash credit loan is 36% per year, or 0.08% per day. The repayment period is 3 to 12 months.

Here are some of the benefits of applying for a Swiftkash credit loan:

  • The application process is quick and easy.
  • The loan amount is disbursed to your bank account within 24 hours.
  • There are no hidden fees.
  • The interest rate is competitive.

If you are looking for a quick and easy way to borrow money, then Swiftkash credit loan is a good option for you. However, it is important to make sure that you can afford to repay the loan before you apply.

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Here are some additional tips for applying for a Swiftkash credit loan:

  • Make sure that you have all of the required documentation before you apply.
  • Be honest and accurate when filling out the application form.
  • Provide your correct phone number and email address so that Swiftkash can contact you if necessary.
  • Be patient. The application process can take a few days.

Benefit Of Swiftkash Credit Loan

SwiftKash is a Nigerian online lending platform that offers personal loans to eligible borrowers. Some of the benefits of taking out a SwiftKash loan include:

  • Fast and convenient: SwiftKash loans can be approved and disbursed within minutes, making them a convenient option for borrowers who need quick access to cash.
  • Flexible repayment terms: SwiftKash offers borrowers the flexibility to choose their repayment terms, which can range from 3 to 12 months. This makes it easier to fit the loan repayments into your budget.
  • Low interest rates: SwiftKash’s interest rates are lower than most credit cards, making them a more affordable option for borrowers.
  • No hidden fees: SwiftKash does not charge any hidden fees, so you can be sure that you know exactly what you are paying.
  • Secure and convenient: SwiftKash uses state-of-the-art security measures to protect your personal information. You can also manage your loan online or through the SwiftKash mobile app.

Here are some of the specific benefits of SwiftKash credit loan:

  • Fixed interest rates: SwiftKash offers fixed interest rates, so you know exactly how much you will pay in interest each month. This makes it easier to budget for your loan repayments.
  • No prepayment penalty: You can repay your SwiftKash loan early without having to pay a prepayment penalty. This gives you the flexibility to pay off your loan faster if you have the extra money.
  • Easy to qualify: SwiftKash’s lending criteria are relatively straightforward, so you may be able to qualify for a loan even if you have a limited credit history.
  • 24/7 customer support: SwiftKash offers 24/7 customer support, so you can get help with your loan anytime, day or night.

If you are looking for a fast, convenient, and affordable personal loan, SwiftKash may be a good option for you. Be sure to compare the terms and conditions of SwiftKash’s loans to other lenders before you apply.

Interest Rate Of Swiftkash Credit Loan

The interest rate for a Swiftkash credit loan is 36% per year, or 0.08% per day. This means that for every NGN1000 you borrow, you will pay NGN8 per day in interest. The maximum loan amount is NGN600,000, and the repayment period is up to 36 months.

It is important to note that the actual interest rate you will pay may be higher or lower, depending on your credit score and other factors. Swiftkash uses a machine learning algorithm to assess your creditworthiness, and this will determine your interest rate.

Here is a table showing how the interest rate for a Swiftkash credit loan would work:

Loan amount Interest rate Daily interest Monthly interest Total interest
NGN1000 0.08% NGN0.80 NGN24.00 NGN756.00
NGN5000 0.08% NGN4.00 NGN120.00 NGN3780.00
NGN10000 0.08% NGN8.00 NGN240.00 NGN7560.00

Please note that these are just examples, and your actual interest rate may be higher or lower.

Before you take out a Swiftkash credit loan, it is important to compare the interest rate to other lenders. You should also consider the repayment period and any other fees that may be charged.

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Comments (3)
  1. Maria

    4 months ago

    Run, Run Run. They are scam. Swiftkash staffs are very useless and talk to you anyhow. They are bunch of illiterates.


  2. Anonymous

    4 months ago

    Their app was taken down and I want to repay my loan, do you have their apk please?


    • Anonymous

      2 months ago

      I think u should be happy then, bcs I also want the same for palmcredit too


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