9credit Loan Review: Is 9credit Loan App Legit?

9credit Loan Review: Is 9credit Loan App Legit?

Looking for a loan? Before you dive into any app promising quick cash, it’s essential to be cautious. Some apps might not have your best interests at heart and could even be scams trying to steal your personal information. That’s why it’s smart to do your research first.

If you’re thinking about using the 9credit Loan App (also known as 9moni Loan App), you’re in the right place. This review will give you the lowdown on whether 9credit is legit and how you can apply for a loan if you decide it’s right for you.

About the 9credit Loan?

9credit Loan is an online platform in Nigeria by OTP Internet Technology. It offers personal loans through its mobile app and claims to be a safe, fair, and convenient way to borrow money for things like medical emergencies or buying a new phone, but is it truly a legit loan app? Let’s go into the details.

9credit Loan Requirements

To access 9Credit’s financial services, you need to meet specific eligibility criteria. Below are the 9credit loan requirements you must meet before you can successfully get a loan:

  1. Be a Nigerian residency
  2. Age bracket: 18 to 56 years old
  3. A reliable source of monthly income.

9credit/9moni Loan App Download

The 9credit loan is on Play Store as of the time of writing. Simply head there or tap on the “Get Loan” button in this article and then search for the app. Install it when you find it and launch it to apply for a loan.

Is 9credit/9moni Legit?

9Credit is indeed a legit loan app. The parent company OTP Internet Technology has received full approval from the FCCPC which gives them the right to engage in the lending business. However, 9credit has received mixed reviews from users with some slating the app for its high interest rate and some others lambasting it for its debt-recovery tactics.

Is 9credit Approved by the CBN?

No! Neither 9credit nor its parent company has approval from the Central Bank of Nigeria (CBN), which means they aren’t officially approved by the main financial authority in the country. This is important to know if you’re thinking about using their services. The CBN sets strict rules and protects consumers, so its approval is a big deal.

How to Apply for a Loan with 9credit

Applying for a loan with 9credit is easy:

  1. Download the App: Find and download the 9credit app from the Google Play Store.
  2. Create an Account: Sign up for an account within the app by providing some basic information.
  3. Choose Your Loan: Explore the loan options available and select the one that fits your needs.
  4. Fill out the Application: Complete the application form with your details and submit it.
  5. Await Approval: Once you’ve submitted your application, wait for approval. You may need to verify some information during this process.
  6. Receive Your Loan: If your application is approved, the loan amount will be deposited into your bank account.

What Are the Loan Terms?

Here are some key details about 9credit’s loans:

  • Loan Amount: You can borrow between NGN 3,000 and NGN 100,000.
  • Loan Tenure: The loan term ranges from 7 to 120 days.
  • Interest Rate: The interest rate is around 20% or more.
  • Processing Fee: There’s a variable processing fee, usually between NGN 60 and NGN 2,000.
  • APR: The Annual Percentage Rate (APR) can go up to 45%.

Remember, before you decide to borrow, make sure you understand all the terms and conditions.

9credit Customer Care and Physical Address

For any inquiries, users can reach out to 9Credit customer care service via email at Customer@9credit.co.

The physical address is situated on Lawal Street, Oregun, Ikeja, Nigeria.

9credit Loan Code & 9credit Loan Calculator 

As of the time this article was written the 9credit loan code and the 9credit loan calculator haven’t been unveiled.

However, we’ll look forward to that, once there is new information about any of them or both, we’ll update this review. All you have to do is subscribe to get future updates.

It costs you absolutely nothing, it’s just to click the bluebell located at the left-hand corner of the site footer.


If you’re considering using the 9credit Loan App, it’s important to do your homework. This review has provided an overview of the app’s legitimacy and how to apply for a loan. Ultimately, the decision is yours, but hopefully, this information has helped you make an informed choice. If you have any questions or concerns, don’t hesitate to reach out to 9credit’s customer support.


Many loan apps change their interest rates and repayment terms over time. Always review the terms and conditions carefully before downloading any loan app. B4loan doesn't promote any loan app, we just help you make informed decisions.

9credit Loan Review: Is 9credit Loan App Legit? Details

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