Xcross Cash Loan App Review: Is Xcross Loan Legit?

Xcross Cash Loan App Review: Is Xcross Loan Legit?

Welcome to b4loan portal where we specialized primarily on writing reviews about all loan apps. 

X cross cash is a mobile financial services app that offers quick loans. 

With Xcross cash, you can get loans of up to N500,000 in just 5 minutes. 

The app claims to allow you to activate your credit limit and withdraw cash anytime for urgent needs. 

You also have the opportunity to level up your credit limit. 

That said, that shouldn’t be enough to convince you, you should by all means protect yourself from loan shirks

In this article, we’ll be looking into the xcross cash loan app review. Is xcross cash legit as claimed? Can I get the app downloaded from a legitimate source like the Google play store and or apple app store?

Let’s get started by delving into the x cross loan app review in 2023.

Xcross Cash Loan App Review: Is Xcross Loan Legit

Xcross Cash Loan App Review: Is Xcross Loan Legit

X cross Cash Loan App Review: Is Xcross Loan Legit As Claimed?

Below is everything you need to know:

Xcross Cash Loan App Review 

X cross cash loan app review: what are the things to consider to ensure its authenticity?

If you really want to confirm the authenticity of x cross cash loan app, it’s not by what it claims it is but what users are saying and other factors mentioned in this review.

here are some things to consider to ensure the authenticity of the X cross cash loan app:

User Reviews: Firsty, It is crucial for you to read user reviews and feedback about the Xcross cash loan app especially on the app store. 

This will definitely give you insights into the experiences of other users and help you determine if the app is trustworthy.

However, with the x cross loan app users review on Google play alone, the app has 31k+ reviews both positive and negative.

App Ratings: Also, another thing you should have awareness of before you download xcross loan app from the Google play store is the rating. 

You really need to check the app ratings on platforms like Google Play Store. Higher ratings generally indicate that users have had a positive experience with the app. 

Currently, X cross loan app has 4.1 star rating out of 5, this shows it has a large number of positive user reviews. Now, let’s move into “Is Xcross cash loan app legit”?.

Is Xcross Cash Loan App Legit As Claimed?

From the information obtained from the Google play store, it shows Xcross koan app truly lends out loans to borrowers as claimed. 

The level of negative review is low; this simply shows it legit. 

However, note that this does not give every certainty needed that x cross loan app is totally legit.

You need to see if it’s approved by CBN as well. This will affirm its total legitimacy. Is Xcross cash approved by CBN? Let’s see in the next step.

Is Xcross Loan App Approved By CBN?

From the research carried out, we found out that the app is considered a legit loan app in Nigeria.

It is registered under Newedge Microfinance Bank which is approved by CBN, this adds more confirmation to its credibility and legitimacy.

The app allows users to apply for instant loans, and the disbursement of cash into your account is quick.

X cross Cash app has over 2 million downloads and has received above-average ratings on Google Play Store as said early, this indicates a positive user experience.

There are positive reviews and feedback from users who have used the Xcross loan app successfully.

The app offers loan amounts ranging from N10,000 to N500,000, providing flexibility for borrowers.

Is It Safe To Apply For X cross Cash Loan?

Yes, it is definitely safe to apply for xcross cash loan app now. The app is truly legit and registered under Newedge Microfinance Bank which is approved by CBN. Now let’s see the interest rate.

Xcross cash Loan Interest Rate 

The Xcross cash loan app charges a monthly interest rate between 4% to 4.7% on each loan you obtain. 

But please take note that the xcross cash loan interest rate is likely to change anytime. 

Xcross Cash Loan Requirements

Just as with other loan apps in Nigeria, xcross cash also had its own requirements. Some of the xcross cash loan requirements are the following:

  • You must be a citizen and resident of Nigeria.
  • You must be within the age range of 20 to 55 years.
  • Be willing to provide your bvn
  • Must be ready to allow xcross cash to access your contact.
  • You must have a bank account.

If you are ready to provide those details then you can learn how to apply for xcross cash loan now.

However, before learning how to apply for xcross loan, kindly go through the process of downloading the app.

 Xcross Cash Loan App Download

The xcross loan app download processes are quite simple, you can get the app directly from legitimate source- Google play store.

To download xcross cash loan app from the Google play store, kindly click the “Get Loanbutton below the article or at the right hand of the footer.

Click it and you will land on the Google play store home page.

  • In the search bar, type “Xcross cash loan app” and press Enter.
  • Look for the app with the title “Xcross Cash-loan online app” developed by Xcross.
  • Tap on the app to open its details page.
  • On the app’s details page, you will find the “Install” button. Tap on it.
  • The app will start downloading and installing on your device.
  • Once the installation is complete, you can open the Xcross Cash loan app from your app drawer.

X cross Loan App Download For iOS

To download the xcross loan app for iOS, kindly go to the Apple app store clicking here and follow the prompts given on the store. After downloading the app, the next step is to sign up and login.

How To Apply For Xcross Cash Loan In 2023

Here let’s see exactly how to apply for xcross cash loan easily in 2023.

To apply for a loan from Xcross Cash, you can follow these steps:

  • Create an account by providing the required information, such as your name, phone number, and email address.
  • Complete the account verification process, which may involve submitting identification documents and other necessary details.
  • Once your account is verified, log in to the app using your credentials.
  • Go to the loan application section within the app.
  • Fill out the loan application form, providing accurate information about your personal and financial details. These include your name bvn, age, and other requirements.
  • Specify the loan amount you wish to borrow and the repayment period.
  • Review the terms and conditions of the loan carefully before submitting your application.
  • Submit your loan application through the app.
  • Wait for the approval process to be completed. This may involve a review of your application and creditworthiness.

If your loan application is approved, the funds will be successfully disbursed to your bank account which you provided.

Xcross Cash Loan Contact Number

The contact number for Xcross Cash Loan is 0905 666 2332. 

You can reach out to their customer care team for any assistance or inquiries. Additionally, they are available 24/7 to assist you with your requests.

If you have any further questions, feel free to ask!

FAQs | Frequently Asked Questions

Here are some helpful frequently asked questions with answers on Xcross cash loan app review: Is Xcross cash loan app legit, how to apply for xcross loan easily:

Is xcross cash approved by CBN?

Absolutely, xcrosscash loan app is approved by CBN indirectly as it partnered with newedge, a microfinance bank.

Xcross cash loan app download: How can I download the Xcross Cash loan app?

You can download the Xcross Cash loan app from the Google Play Store or the Apple App Store, depending on your device.

How much can I borrow from Xcross Cash?

The loan amount you can borrow from Xcross Cash depends on your creditworthiness and previous borrowing history. 

However, the amount you can borrow ranges from N10,000 to N500,000.


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.

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