GoCash is a flexible financial lending service in Nigeria, offering the advantages of low-interest rates and convenience. GoCash provides a quick solution for everyday financial needs, from educational expenses to entrepreneurial ventures, with a straightforward and accessible criteria.
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GoCash is a popular personal finance app in Nigeria. The app offers financial services such as loans, credit cards, and mobile payments. It utilizes technology and algorithms to assess users’ creditworthiness and provides financial products tailored to customers’ needs. With its collateral-free lending method and streamlined documentation process, Go Cash has become a preferred choice for customers in need of quick loans. The app also integrates various useful features, including account management, expense tracking, financial updates, and payment notifications. Currently, GoCash App has become one of the widely used and trusted financial apps with hundreds of thousands of users.

Pros and Cons Review of GoCash


  • Quick loan approval through the app, with customers receiving funds and completing loan applications in just 10 to 20 minutes.
  • Simple registration process with no complexities, and all document-related costs and consultations are entirely free.
  • Utilizes credit evaluation technology, automatically approving customer profiles.
  • Integrated services within the app.
  • Reasonable interest rates, flexible credit limits, and repayment periods.


  • Higher interest rates compared to traditional banks.
  • No physical presence; all procedures are conducted online

Conditions for Borrowing Money on the GoCash

To borrow money from Go Cash, individuals need to meet the following conditions:

  1. Be a Nigerian citizen aged between 20 and 55.
  2. Have a valid personal ID and relevant documents, such as a driver’s license, passport, etc.
  3. Have a bank account or e-wallet linked to the GoCash app.
  4. Have a stable income and the ability to repay the loan.
  5. The app does not accept customers with excessive debt from other credit institutions.

The assessment of the customer’s creditworthiness will be conducted based on GoCash’s algorithm and data. If the customer meets all the above conditions and achieves a corresponding credit score, they may be approved to borrow money from the app.

Loan Product Information on the Go Cash App

  • Loan amounts range from ₦20,000 to ₦50,000.
  • Shortest loan term is 91 days, longest is 365 days.
  • Maximum interest rate is 24% per annum, equivalent to 0.0658% per day.
  • No additional fees are incurred; it is 100% free.

Example of a Loan

Suppose you apply for a ₦20,000 loan with an interest rate of 24% (APR) per annum and a loan term of 120 days. The calculation is as follows:

  • Total amount to be repaid after 120 days: ₦21,578
  • Monthly installment payment: ₦5,394.52 (₦21,578 / 4 months)

Note: The above information is general and may not apply to every specific case. For detailed information on interest rates, terms, and loan limits from GoCash, you should visit their website or app for personalized advice and the latest updates.

Quick Loan Registration Guide

Here is a guide on how to quickly register for a loan on GoCash. Note that the steps may vary depending on the version of the app. To ensure that you are following the latest version, you should download and install GoCash from cashloanapp.net.

Step 1: Download the GoCash APK/IOS app from the website and install it on your mobile device. The app is compatible with both Android and IOS platforms; you just need to choose the correct download link.

Step 2: Open the app and create an account by entering necessary personal information such as name, ID number, phone number, email address, password, etc.

Step 3: After successful registration, you need to provide your financial information, including income, expenses, assets, and current debts.

Step 4: Next, you need to apply for the loan service by selecting the “Loan” section and entering information such as the loan amount, term, and purpose. You also need to provide bank account and e-wallet information to receive the borrowed funds.

Step 5: GoCash’s system will evaluate your creditworthiness and provide the assessment result within a few minutes. If approved, the money will be transferred to your bank account or e-wallet within approximately 30 minutes.

Step 6: After receiving the loan, you can manage it using features of the GoCash app such as checking the balance, updating financial information, scheduling repayments, etc.

Note: To register for a loan quickly, you need to provide accurate information to the app. If you engage in fraudulent behavior or provide incorrect information, the app will immediately cancel your loan application.

Frequently Asked Questions

Is GoCash legal?

We affirmatively state that GoCash is legal and has no fraudulent activities. Based on available information and reviews, GoCash is a reputable personal finance app in Nigeria, having been in operation for several years with hundreds of thousands of users.

Additionally, GoCash complies with Nigeria’s financial regulations, loan policies, and privacy protection laws. However, as with any online application or service, users should exercise caution, use the app appropriately, refrain from sharing personal information with others, and avoid impersonation for fraudulent purposes. If you encounter any issues related to GoCash’s operations or suspect fraudulent activity, contact the GoCash support team for assistance and clarification.

How can I contact Go Cash?

  • Email: [email protected]
  • Phone Number: 0912 431 1779
  • Website: https://gocashnigeria.com
  • Address: Lekki Estate Rd, Aja, Lekki, Nigeria 106104.

Customer support services are available 24/7. If you have questions or need assistance, please contact using the provided information.

Can the repayment period be extended with GoCash?

Go Cash offers customers flexible loan packages with varied repayment terms to meet their needs. If customers encounter difficulties in repaying their loans, they can request an extension under certain conditions and limitations set by GoCash.

Typically, customers request a repayment extension if they are unable to meet the deadline due to unforeseen circumstances such as job loss, illness, natural disasters, etc. If the customer’s request is accepted, the repayment period will be extended, and interest will be calculated on the outstanding amount. However, we encourage customers to make timely payments to avoid additional fees. Wishing everyone success and good luck.

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