If you are reading this post, then it’s either because you need access to quick cash and have identified the Ultra Naira loan app as the solution to get the cash that you seek, or you’ve already taken out a loan from the app, but need one or two pieces of information about it. Whatever your reasons, this post will provide you with all the answers you need to know.

In this post, B4Loan takes a closer look at the Ultra Naira loan app, including how it works, the types of loans it offers, and the eligibility requirements. We will also find out whether Ultra Naira is a legit or a scam loan app, as well as provide you with its customer care details such as phone number, WhatsApp number, etc.

So without further ado, let’s kick off proceedings properly.

What is Ultra Naira?

Ultra Naira is an Indian-owned mobile lending app that gives Nigerians quick and easy access to loans. The app is available on Android and can be used to apply for loans of up to N50,000.

How Does The Ultra Naira Loan App Work?

To apply for a loan from Ultra Naira, you must first install the app, and then create an account, providing some basic information about yourself, such as your name, email address, and phone number. You will also need to provide your bank account details, as well as your emergency contact numbers.

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Once you have created an account, Ultra Naira will assess your creditworthiness and then decide on the amount of money it can provide based on your credit score.

If approved for a loan, the money will be deposited into your bank account within 24 hours. You will then have to repay the loan within the agreed-upon period.

Eligibility Requirement

To be eligible for a loan from Ultra Naira, you must meet the following requirements:

  • You must be a Nigerian citizen
  • You must be at least 18 years old
  • You must have a valid bank account
  • You must have a good credit score

Ultra Naira Loan App Download

The Ultra Naira loan app is not available on the Google Play Store, hence to get the app, you will have to make use of third-party websites.  Simply head over to this website and download the APK version. Once downloaded, proceed to install it on your device to begin the loan application process.

Is Ultra Naira Loan App Legit?

According to the many reviews from Nigerians about the Ultra Naira loan app, it appears to be a not-too-reliable loan app. Ultra Naira operates in a loanshark-like manner whereby it gives you a loan at a very high-interest rate and then proceeds to use harassing tactics such as calling your contacts, labeling you a scammer on social media, etc. when you default on the loan. So it’s best to avoid this loan app if you can and only do business with them if you are very certain of your capability to pay back.

Ultra Naira Customer Care Number & WhatsApp

If by any chance you need to contact the Ultra Naira support team, you can do so using the following customer care details:

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Phone/WhatsApp: 0909 505 9654,  0706 743 1274


As convenient as Ultra Naira claims to be, they are not to be trusted at all. To put it bluntly, they are scammers and operate a fraudulent business using their loan app. They are not licensed by the CBN and should be avoided at all costs.

If you must take a loan from the Ultra Naira loan app, make sure you have a well-planned strategy on how to pay back the money when it is due, or you risk facing defamation.

A better alternative is to borrow from one of the more trusted loan apps that have been approved by the CBN. By so doing, you can at least avoid facing disgrace when you default. But note that even though these licensed apps will not defame you, they have the power to report your BVN to the CBN and get it blacklisted, so make sure to always pay.


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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