Swiftkash Loan Review, Interest Rates, How to apply, Customer Care Contact Number

Swiftkash Loan is an online lending platform that offers hassle-free loan solutions to individuals and businesses in Nigeria. The company provides a variety of loan products with competitive interest rates and a simple application process.

Swiftkash Loan is committed to providing its customers with a seamless and convenient loan experience. The company offers a variety of loan products with competitive interest rates and a simple application process.

In this article, we will provide a comprehensive review of Swiftkash Loan, including its interest rates, application process, customer care service contact information, and more.

Swiftkash Loan Features and Benefits

Swiftkash Loan offers a range of features and benefits that set it apart from traditional lending avenues:

  • Freedom to Use: Borrowers have the autonomy to allocate the loan amount as per their personal or business requirements.
  • Effortless Sign-Up: The application process is straightforward, and once approved, the loan amount is disbursed within minutes.
  • No Collateral or Documentation: Swiftkash eliminates the need for collateral or physical documentation, streamlining the application process.
  • Transparent Pricing: Swiftkash stands out by not charging late fees or rollover fees, easing the repayment process.
  • Flexible Repayment Options: As borrowers repay their loans responsibly, Swiftkash offers lower fees and adjustable repayment terms.

Swiftkash Loan Interest Rates

Swiftkash Loan's interest rates are designed to be transparent, competitive, and aligned with the financial realities of its customers. The interest rate for a loan is calculated based on the loan amount and repayment duration, with a maximum APR of 36% per year or 0.08% per day.

For instance, let's consider borrowing N25,000 with a repayment period of 90 days.

The total interest accrued can be calculated as follows: N25,000 * 0.08% * 90 = N1800. Therefore, the overall repayment, encompassing both principal and interest, would amount to N25,000 + N1800 = N26,800.

Requirements apply for Swiftkash Loan

To be eligible for a Swiftkash Loan, you must meet the following criteria:

  • Be a Nigerian citizen or resident: This means you must have a valid Nigerian passport or national identity card.
  • Be at least 18 years old: Swiftkash Loan does not provide loans to minors.
  • Have a valid means of identification: This could be a driver's license, voter's card, or any other government-issued ID.
  • Have a regular source of income: This could be a salary, business income, or any other form of regular earnings.
  • Have a BVN (Bank Verification Number): A BVN is a unique 11-digit number that links your bank accounts to your personal information. You can get a BVN from any bank in Nigeria.

Downloading the Swiftkash Loan

To get started, here's how to download the Swiftkash Loan app:

  • Open your Google Play Store.
  • Search for "Swiftkash Loan" and tap on the app icon.
  • Tap on the "Install" button.
  • Once the app is installed, tap on the "Open" button.
  • You will be prompted to create an account. Enter your phone number to receive a One Time Password (OTP).
  • Enter the OTP and tap on the "Submit" button.

How to apply for Swiftkash Loan

Here is How to apply for Swiftkash Loan:

Step 1: Download the App

The first step is to download the Swiftkash app from the Google Play Store. You can do this by searching for "Swiftkash Loan" in the app store or by clicking on the following link: [link to Swiftkash app on Google Play Store].

Step 2: Create an Account

Once you have downloaded the app, open it and create an account. To do this, you will need to provide your phone number and email address. You will then receive a One Time Password (OTP) to your phone number. Enter this OTP to complete the registration process.

Step 3: Choose Your Loan Amount

After you have created an account, you will be able to choose the loan amount that you need. Swiftkash Loan offers a variety of loan products with different repayment terms, so you can choose the one that best suits your needs.

Step 4: Complete the Application Form

Once you have chosen your loan amount, you will need to complete the application form. The application form will ask you for your personal information, such as your name, address, and date of birth. You will also need to provide your financial information, such as your income and expenses.

Step 5: Submit Your Application

Once you have completed the application form, you will need to submit it for approval. Swiftkash Loan will review your application and make a decision within a few hours.

Step 6: Await Profile Approval

If your application is approved, you will need to wait for your profile to be approved. This is a process that is conducted by Swiftkash to verify your identity and creditworthiness.

Step 7: Loan Disbursement

Once your profile has been approved, the loan amount will be disbursed into your bank account. You will be able to access the funds immediately.

Swiftkash Loan Customer Care Contact Number

If you have any inquiries, concerns, or require assistance, feel free to contact Swiftkash's customer care team via email at [email protected].


What is Swiftkash Loan?

Swiftkash Loan is a Nigerian-based digital lending platform that provides quick and easy access to personal loans for individuals and businesses. The company offers a variety of loan products with competitive interest rates and a simple application process.

Who is eligible for a Swiftkash Loan?

To be eligible for a Swiftkash Loan, you must meet the following criteria:

  • Be a Nigerian citizen or resident
  • Be at least 18 years old
  • Have a valid means of identification
  • Have a regular source of income

What happens if I miss a payment on my Swiftkash Loan?

If you miss a payment on your Swiftkash Loan, you will be charged a late fee. The amount of the late fee will depend on the amount of your loan and the number of days your payment is late.


Swiftkash Loan offers a convenient and hassle-free solution for individuals and businesses seeking quick access to personal credit in Nigeria.

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