Galaxy Credit


Galaxy Credit - Cash Loan Service in Nigeria. A simple process, reasonable interest rates, and flexible options help you access finances easily and conveniently.
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Welcome to the fascinating world of Galaxy Credit financial conveniences! We take pride in introducing our unique cash loan products, bringing flexibility and ease to customers in Nigeria. Galaxy Credit offers loan products with reasonable interest rates and a straightforward process, giving you the opportunity to quickly access financial resources at your fingertips. From registration to fund disbursement, everything is carried out online, saving you time and effort. Join us in experiencing a fresh way to manage finances with the Galaxy Credit App today.

Contact Information

If you need further information or have any questions about Galaxy Credit’s services, please reach out through the following details:

  • WhatsApp: +2348172865363
  • Email: [email protected]
  • Address: Otigba St, Ikeja 101233, Ikeja, Nigeria

Galaxy Credit is always ready to assist you and ensure the safety of your personal information, helping you achieve your financial goals easily and conveniently.

Information about Interest Rates, Credit Limits, and Loan Terms at Galaxy Credit

Galaxy Credit offers flexible options for customers to match their financial needs. Below is the information about interest rates, credit limits, and loan terms, including:

  • Interest Rate: Initial fee rate ranging from 6% – 24%
  • APR (Annual Percentage Rate): 20% – 30%
  • Loan Amount: From ₦2,000 to ₦1,200,000
  • Repayment Term: From 90 to 360 days

Note: All loan costs are integrated into the “Initial Fee” to simplify the process for customers.

Example for a loan:

You borrow ₦80,000 with a repayment term of 90 days and an initial fee rate of 6%, the total amount you need to repay before the term ends would be ₦84,800.

What are the conditions of Galaxy Credit?

Galaxy Credit sets forth certain conditions to ensure that the cash loan service is suitable and secure for customers. Below are the basic conditions to be eligible for using the service:

  • Only residents of Nigeria are eligible to use Galaxy Credit’s services.
  • Ensuring legal and responsible borrowing, you must be over 18 years old to be eligible.
  • You need to have a valid bank account in Nigeria to receive the loan and carry out related transactions.
  • Ensuring repayment capability and mitigating the risk of borrowing without the ability to repay, you need to have a monthly income.

How to Apply for a Galaxy Credit Loan

Applying for a loan with Galaxy Credit is very straightforward. Below is the simple process for you to access the app’s services, including:

Step 1: Download and install the Galaxy Credit APK/IOS from

Step 2: Use your phone number to register for a Galaxy Credit account.

Step 3: Fill out and submit your concise personal information for a credit limit evaluation.

Step 4: Choose the loan amount you desire.

Step 5: Provide your bank account information to receive the loan.

Step 6: Monitor the term and complete the repayment as per the agreement.

Note: The personal information you provide on the Galaxy Credit app must be accurate and consistent. Please review the terms before registering for a loan.

Access Permissions Requirement

To enjoy the full features of the Galaxy Credit App, you need to grant access permissions to your device in the following ways:

  1. Grant access to your contacts.
  2. Allow access to photos and videos on your device.
  3. Permit access to your location for verification of residency information.
  4. Allow access to your phone number.

If you do not intend to share these permissions with the app, you may consider uninstalling this app and trying other available applications.

Pros and Cons Evaluation at Galaxy Credit

Below are some pros and cons of the Galaxy Credit loan app that we have compiled, as follows:


  • Simple and fast process: Customers can register and complete the loan application process in just a few minutes.
  • Competitive interest rates: The interest rates are low and more favorable compared to many other competing options.
  • Customer information security: The app adheres to strict customer information security standards to ensure the safety of customer data.
  • Swift customer support: 24/7 customer support channels are available to quickly address questions and resolve customer issues.
  • Easy app download and installation: The app is easily downloadable and installable on various platforms.


Limited target audience for borrowing.

  • Financial risk.
  • Limitation on loan amounts, which may not be very high to fulfill certain customer needs.

Galaxy Credit is an online loan app with several advantages and some limitations. Users should carefully consider and evaluate before deciding to use this app’s services.

Is Borrowing from Galaxy Credit Safe?

Galaxy Credit is an online loan application with clear contact information and address, operating under a license in Nigeria. The company has years of experience in the financial sector and has received high customer ratings for its online lending services.

To ensure credibility and safety for customers, Galaxy Credit also implements information security measures and transparent customer rights protection policies. The app also adheres to financial regulations and undergoes regular checks and monitoring by relevant regulatory authorities.

Furthermore, Galaxy Credit App has received numerous positive reviews from customers on various online review platforms, showcasing satisfaction with the service quality and convenience of online borrowing through the app. Therefore, it can be stated that Galaxy Credit is a reputable and trustworthy online lending application.


Galaxy Credit has brought a convenient and flexible financial solution to the residents of Nigeria. Not only is the registration and usage straightforward, but the cash loan process is also streamlined with reasonable interest rates and initial fees. Customers can easily meet the simple eligibility criteria and access the service through a convenient online process. Galaxy Credit facilitates personal financial support in a convenient and secure manner, while also providing flexibility in managing day-to-day finances for everyone.

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