Tloan is a Nigerian loan app offering a user-friendly experience with easy registration and flexible repayment options. Known for fee transparency and prioritizing personal information security, it's a reliable choice for short-term financial needs.
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Tloan is a prominent financial application that has had a successful year, providing a highly convenient online borrowing experience for the people of Nigeria. The app’s modern user interface simplifies the loan application process into just three easy steps: account registration, providing personal information, and specifying the desired loan amount. The flexible borrowing period ranges from 91 days to 365 days, with competitive interest rates and no hidden fees. Additionally, Tloan is committed to offering a transparent, secure, and reliable online borrowing experience. Let the Tloan App assist you with your financial needs whenever you encounter difficulties.

Product information from Tloan

  • Flexible loan terms ranging from 91 days to 365 days
  • Loan amounts up to 200,000 NGN
  • Annual Percentage Rate (APR) ranging from 12% to 30%
  • Service interest rates for loans ranging from 6% to 24%, with a monthly interest of 0.5%
  • No hidden fees or transaction fees
  • Customer requirements: 18 years and older, Nigerian citizen with a stable job and income, and the use of a bank account and internet-connected phone.

Example of a loan

If you borrow 40,000 NGN for 3 months, with a service interest rate of 6% and a monthly interest of 0.5%, the total repayment due at the end of the term is 43,000 NGN.

Tloan offers loans with relatively low-interest rates compared to similar applications, helping customers save money when repaying their loans. Furthermore, the loan product is detailed and clear, making it easier for customers to calculate and understand.

Review of the pros and cons of Tloan App


  • Simple process with 3 steps, saving time for users.
  • Provides flexibility for customers to choose repayment terms.
  • Competitive interest rates and transparent APR.
  • Clear fee policies, no transaction fees.
  • Commits to protecting customers’ personal information.
  • Modern app with a user-friendly interface, catering to a diverse range of customers.
  • Tloan is reputable, with over 1 million downloads and installations on phones.


  • Limits the loan amount for new customers.
  • Bank information requirements may make some customers uncomfortable.
  • Possibility of high fees for late repayments.
  • Service limited to Nigeria, serving customers in major cities with dense populations.

How to Apply for a Loan at Tloan

To apply for a loan at Tloan, you can follow these steps:

Step 1: Create an account

  • Download the Tloan APK/IOS app or visit the website.
  • Enter your phone number to start the registration process.
  • Verify your information with the code sent to your phone.

Step 2: Enter personal information and loan amount

  • Complete the registration by entering personal information and bank account details.
  • Choose the desired loan amount and repayment term.

Step 3: Submit the application and receive the loan

  • Confirm the entered information and submit the application.
  • Wait for approval, and if accepted, the loan will be transferred directly to your bank account.

Ensure to carefully read the terms and conditions to have a clear understanding of the interest rates and other relevant conditions related to your loan.

Note when applying for a loan on the App

When applying for a loan on the Tloan app, customers should pay attention to the following points to ensure a smooth and secure borrowing experience:

  1. Understand the terms and conditions of the service thoroughly.
  2. Use the app from the official store to avoid scams.
  3. Safeguard personal information and avoid sharing it with others.
  4. Read user reviews to assess reliability.
  5. Have a clear understanding of fees and interest rates, avoiding hidden charges.
  6. Use a device with high security and a strong password.
  7. Understand how your personal information is managed.
  8. Reach out if you have questions or need support.

Customers should ensure that their information is complete and accurate before submitting the loan application. This helps reduce the risk of processing delays or loan denial.

Contact information and customer support

If you need assistance, have questions, or specific requests, please contact the provided email address to receive support from Tloan’s customer care team.

Frequently asked questions at Tloan

Can I trust Tloan with my data?

The app employs encryption and top-notch security to protect your data, and it does not share information with third parties except for dedicated business purposes.

How do I grant permissions to Tloan on my phone?

For Android phones, go to Settings > Apps > Tloan > Permissions, and enable the necessary access.

How much can I borrow?

The current loan amount ranges from ₦2,000 to ₦200,000, and if repaid on time, you may increase the borrowing amount.

How long does the application process take?

Typically, the application and loan approval process takes only a few minutes. However, if you haven’t received a successful registration notification within 24 hours, it means your loan application was unsuccessful.

Why was my loan application rejected?

Your loan application may be rejected due to insufficient eligibility, or your residential area may not meet the requirements.

What happens if I pay my loan late?

Late repayments incur daily fees and can affect your future borrowing capability, possibly reported to the Credit Reference Bureau.

Can I defer loan repayment?

Tloan cannot change the repayment plan after receiving the loan, so it’s best to start repaying as early as possible.

How can I increase my chances of approval?

Maintain positive credit, provide accurate account information, and store data to enhance your approval chances.

Tloan App is a loan application in Nigeria that provides a convenient borrowing experience with a straightforward registration process and flexible repayment terms. Transparency in fees and a commitment to the safety of personal information are strong points. However, limitations on the loan amount and the requirement for bank information may cause discomfort for new customers. Tloan stands out as a trustworthy choice for the short-term financial needs of individuals.

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