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Online Personal Loans with No Collateral and Low Interest with Easy Loan APK


Easy Loan Personal Loan Online APK Download: A Guide for Borrowers




Are you looking for a quick and easy way to get a personal loan online? Do you need some extra cash to pay for an emergency, a medical bill, or a home improvement project? If yes, then you might want to consider downloading the Easy Loan Personal Loan Online APK app on your Android device.


Easy Loan Personal Loan Online APK is a free Android banking app that offers personal loans to Nigerian residents. It claims to offer loans with low interest and zero collateral. However, it also has some limitations and risks that you should be aware of before applying.




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In this article, we will give you a comprehensive guide on how to download, install, and use the Easy Loan Personal Loan Online APK app. We will also discuss the pros and cons of this app, as well as some alternatives that you can explore. By the end of this article, you will have a better idea of whether this app is suitable for your needs or not.


What is Easy Loan Personal Loan Online APK?




Easy Loan Personal Loan Online APK is an app that allows you to apply for a personal loan online using your Android device. The app is developed by AFROFIRST MOBILE AND TECHNOLOGY COMPANY LIMITED, a microfinance banking business registered with the Central Bank of Nigeria (CBN).


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The app claims to offer personal loans with low interest rates, ranging from 12% to 24% per annum, depending on the loan amount, duration, and borrower's profile. The app also claims to offer zero collateral, meaning that you don't have to provide any asset or guarantor as security for your loan.


The app allows you to borrow up to NGN80,000 (about $200) for a period of three to six months. You can repay your loan in monthly installments through your bank account or mobile wallet. The app also provides you with information about your loan status, balance, due date, repayment schedule, and more.


How to download and install Easy Loan Personal Loan Online APK




If you are interested in using the Easy Loan Personal Loan Online APK app, you will need to download and install it on your Android device. Here are the steps to follow:


  • Go to the official website of the app at or search for "Easy Money Loan Personal Loans" on Google Play Store.



  • Click on the "Download" button and wait for the APK file to be downloaded on your device.



  • Once the download is complete, locate the APK file on your device and tap on it to start the installation process.



  • You may need to enable the "Unknown Sources" option on your device settings to allow the installation of apps from sources other than Google Play Store.



  • Follow the instructions on the screen to complete the installation process.Once the installation is done, you can launch the app and create your account using your phone number, email address, and password.



  • You will also need to grant the app permission to access your contacts, location, camera, and storage.



Congratulations! You have successfully downloaded and installed the Easy Loan Personal Loan Online APK app on your device. You can now start applying for a personal loan online.


How to apply for a personal loan with Easy Loan Personal Loan Online APK




Applying for a personal loan with Easy Loan Personal Loan Online APK is simple and fast. You can complete the application process in a few minutes and get approved within 24 hours. Here are the steps to follow:


Eligibility criteria and documents required




Before you apply for a personal loan with Easy Loan Personal Loan Online APK, you need to make sure that you meet the eligibility criteria and have the necessary documents ready. The eligibility criteria are:


  • You must be a Nigerian citizen with a valid national identity card (NIN) or passport.



  • You must be between 18 and 55 years old.



  • You must have a regular source of income, such as salary, pension, or business.



  • You must have a bank account or mobile wallet linked to your phone number.



  • You must have a good credit history and score, preferably above 650.



The documents required are:


  • A clear photo of yourself holding your NIN or passport.



  • A clear photo of your NIN or passport.



  • A clear photo of your bank statement or mobile wallet statement for the last three months.



  • A clear photo of your payslip or proof of income for the last three months.



Steps to follow and tips to get approved




Once you have the eligibility criteria and documents ready, you can proceed to apply for a personal loan with Easy Loan Personal Loan Online APK. Here are the steps to follow:


  • Open the app and log in to your account.



  • Tap on the "Apply Now" button and enter the loan amount and duration that you want.



  • Fill in your personal details, such as name, date of birth, gender, marital status, education level, occupation, income, and address.



  • Upload the documents that you have prepared earlier and verify your identity and income.



  • Review your loan application and agree to the terms and conditions.



  • Submit your loan application and wait for approval.



You will receive a notification on your phone and email once your loan application is approved or rejected. If approved, you will also receive the loan amount in your bank account or mobile wallet within 24 hours.


Here are some tips to increase your chances of getting approved:


  • Borrow only what you need and can afford to repay. Avoid applying for multiple loans at the same time.



  • Maintain a good credit history and score by paying your bills on time and avoiding defaults and late payments.



  • Provide accurate and complete information and documents. Avoid providing false or misleading information that may result in rejection or legal action.



Interest rates, fees, and repayment terms




Before you apply for a personal loan with Easy Loan Personal Loan Online APK, you should also be aware of the interest rates, fees, and repayment terms that apply to your loan. Here are some details:


Loan amountInterest rateFeesRepayment term


NGN5,000 - NGN20,00012% per annumNo fees3 months


NGN20,001 - NGN50,00018% per annumNo fees6 months


NGN50,001 - NGN80,00024% per annumNo fees6 months


The interest rate is calculated on a reducing balance basis, meaning that it is applied only to the outstanding principal amount of your loan. The interest rate is fixed for the duration of your loan and does not change with market fluctuations.


The app does not charge any fees for processing, disbursing, or servicing your loan. However, you may incur some charges from your bank or mobile wallet provider for transferring or receiving funds.


The repayment term is the period within which you have to repay your loan in full. The app offers flexible repayment options that allow you to choose the monthly installment amount that suits your budget. You can also repay your loan early without any penalty or extra charge.


Pros and cons of Easy Loan Personal Loan Online APK




Like any other online lending app, Easy Loan Personal Loan Online APK has its own pros and cons that you should weigh before using it. Here are some of them:


Pros




Fast, easy, and convenient




The app allows you to apply for a personal loan online anytime and anywhere using your Android device. You don't have to visit any physical branch or fill out any paperwork. You can


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