How to Close, Delete or Deactivate your NiceNaira Account Easily

NiceNaira is a mobile loan app that provides quick and easy access to personal loans in Nigeria. The app is available for download on the Google Play Store and can be used to apply for loans of up to N200,000.

NiceNaira loans are designed to be flexible and affordable, with loan terms ranging from 90 to 360 days. The annual percentage rate (APR) on NiceNaira loans is between 12% and 30%, and there are no hidden fees or charges.

To apply for a NiceNaira loan, you will need to provide some basic information about yourself, such as your name, date of birth, and contact information. You will also need to provide your Bank Verification Number (BVN) and National Identification Number (NIN).

Once you have submitted your application, it will be reviewed by NiceNaira's credit team. If your application is approved, you will receive the loan amount directly into your bank account within minutes.

If you are in a situation where you are looking for How to Close, Delete or Deactivate your NiceNaira Account Easily, this blog post will explain all you need to know.

Reasons why you might want to close, delete, or deactivate your NiceNaira account

There are several reasons why you might want to close, delete, or deactivate your NiceNaira account. Some of the most common reasons include:

  • Financial reasons: You may need to close your NiceNaira account if you are trying to manage your expenses or reduce your debt. Additionally, if you no longer use or need the account, you may want to close it to avoid unnecessary fees.
  • Dissatisfaction: If you are unhappy with NiceNaira's customer service or the platform itself, you may want to close your account.
  • Privacy and security concerns: You may be concerned about the privacy of your data or the security of your personal information. If you have any concerns about how NiceNaira is using your data, you may want to close your account.
  • Switching to alternatives: You may have decided to switch to a different financial or payment service. If you are no longer using NiceNaira, you may want to close your account to avoid confusion.
  • Account cleanup: You may be trying to reduce your online presence or digital footprint. Closing your NiceNaira account can help you achieve this goal.
  • Inactivity or non-usage: If you have not used your NiceNaira account in a long time, you may want to close it to avoid inactivity fees.

How to Close, Delete or Deactivate your NiceNaira Account Easily

To deactivate your NiceNaira loan app account, you must first ensure that you have fully repaid your outstanding loan balance, including interest and fees. You can do this by reviewing your loan account details and confirming that all payments have been made.

Once you have verified your loan repayment status, you can initiate the account closure process by contacting NiceNaira customer support. You can reach them via phone, email, or by visiting their website or mobile app.

When you contact customer support, clearly express your intention to close your loan account. The customer support representative will then provide you with detailed instructions on how to proceed with the account closure process.

Depending on NiceNaira's policies, you may be asked to submit a written request, fill out an account closure form, or complete specific actions through their online platform or mobile app. Be sure to carefully follow the instructions provided and promptly submit any requested documentation.

Once you have submitted the necessary information, the customer support representative will initiate the account closure process. The process may take a few days to complete.

Once your account has been closed, you will no longer be able to access it. You will also no longer be able to take out any new loans with NiceNaira.


How do I delete my information from a loan app?

To delete your information from a loan app, you will first need to locate the "Settings" or "Profile" option within the app. This is typically where you can manage your account and data.

Once you have found the Settings or Profile section, look for options related to data management, privacy, or account settings. These options may include "Data Deletion," "Clear Data," or "Privacy Settings."

If you are unable to find any options related to data management, you can try contacting the loan app's customer support for assistance. They will be able to provide you with specific instructions on how to delete your information from the app.

Can loan apps access my contacts?

Yes, loan apps can access your contacts if you give them permission. When you apply for a loan, you may be asked to allow the loan app to access your contacts. If you grant permission, the loan app will be able to see the names and phone numbers of your contacts.

Can loan apps deactivate my BVN?

No, loan apps cannot deactivate your BVN. The BVN is a unique identifier that is linked to your bank account and is issued by the Central Bank of Nigeria (CBN). Only the CBN has the authority to deactivate or block a BVN.

However, loan apps may be able to report you to the CBN if you default on your loan. If you are reported to the CBN, the CBN may place a restriction on your BVN, which could limit your ability to access financial services.

Can a loan app lock my phone?

In addition to excessive interest rates, hidden charges, and disregard for data privacy regulations, some predatory digital lenders resort to locking the devices of defaulting debtors. This is made possible by the access that users grant these platforms during signup.

When users sign up for these loan apps, they are often asked to grant permission to access various features of their devices, such as their contacts, location, and even their device administrator privileges. This allows the loan apps to remotely control the devices of defaulting debtors

What information do I need to provide to close my NiceNaira account?

You will need to provide your account details, loan identification number, personal identification details, and any other relevant information requested by NiceNaira.

How long does it take to close my NiceNaira account?

The account closure process may take a few days to complete.

Will I be able to reopen my NiceNaira account after it has been closed?

Yes, you may be able to reopen your NiceNaira account after it has been closed. However, you will need to reapply for an account and meet the eligibility criteria.


Closing your NiceNaira account is a simple process that can be done in a few minutes. By following the steps outlined in this blog post, you can ensure that your account is closed smoothly and without any hassle.

If you have any questions about closing your NiceNaira account, you can contact NiceNaira customer service for assistance or drop a comment below.

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