TopChance: Modern lending app in Nigeria. Quick, transparent loans up to ₦50,000. Simple registration, no hidden fees. Flexible terms, secure data, and reliable customer support.
Operating system

Report This App


TopChance – Modern and professional online lending application in Nigeria. By using TopChance, users no longer have to worry when in need of a small loan or the opportunity to invest in their personal goals. The app brings superior convenience, from fast online registration to transparent interest rate calculation. More than just an app, TopChance App is a reliable partner that helps you achieve your financial dreams in the best way possible. Join the app and experience the breakthrough in this digital financial realm.

Lending Products on the TopChance App

The lending products on the TopChance App provide users with flexibility and diversity to choose from, including:

  • Loan amounts ranging from ₦ 5,000 to ₦ 50,000.
  • Loan terms from 91 to 180 days.
  • Minimum annual interest rate of 21% and maximum (APR) of 26% (excluding incidental fees).
  • Daily rates ranging from 0.06% to 0.07%.
  • Repayment in installments.
  • The application does not charge service fees, it is free for users.

Example of a loan

If you need to borrow 20,000 NGN over 150 days with a 23% interest rate. To calculate the amount to be repaid, use the formula mentioned:

  • Amount borrowed * Interest rate / number of days * Loan term + Amount borrowed
  • The amount to be repaid = 20.000 * 23% / 365 * 150 + 20.000 = 1389 + 20.000 = 21,000 NGN.

Why You Should Choose TopChance App

Currently, there are numerous online lending applications in the market. You should choose the TopChance app for the following reasons:

  • TopChance allows you to access financial services whenever you need them.
  • The registration process is simple, requiring only a phone number and OTP.
  • The app does not conceal any fees or hidden charges, ensuring you know the exact interest rate and total amount to be repaid.
  • No collateral or complicated paperwork is required, saving your time and financial resources.
  • Flexible loan products, allowing users to choose the loan amount and duration as desired.
  • The app prioritizes user data security and does not share it with third parties or engage in the buying and selling of loan information.
  • TopChance is modern and professional, suitable for various user groups and easy to use.

Conditions for Registering for a Loan on the App

To borrow money on TopChance, you need to meet the following basic conditions:

  • You must be between the ages of 18 and 55, ensuring that the borrower is mature enough to enter into financial contracts.
  • TopChance only provides services to Nigerian citizens with a valid national identity card.
  • You have a job and stable income to have the ability to repay the loan.
  • You use your personal mobile phone number to register and verify your account.
  • Download and install the app on your phone.

Contact Information and Support for TopChance

Here is the contact information and user support for the TopChance app as follows:

  • Phone number: +23418885169
  • Email: [email protected]
  • Website:
  • Office address: No 10 Allen avenue, by toyin roundabout Akin Taylor plaza, Nigeria.

If you need support or have specific questions about TopChance’s products and services, please contact the above address and email. Here, the customer care staff of the application will assist you quickly and efficiently.

Ways to Increase Your Success Rate in Registration

To increase your success rate in registering for a loan on TopChance, you need to do the following:

  1. Ensure you have all the necessary documents and information.
  2. Make sure you meet the requirements, such as age and nationality.
  3. Provide accurate and careful information in the registration form.
  4. Maintain a good credit history and repay debts on time.
  5. Read and understand the terms before agreeing to borrow.
  6. If needed, contact TopChance’s support service.

The Loan Application Process at TopChance

The loan application process at the TopChance App includes the following steps:

Step 1: Download the TopChance App

Download and install the TopChance APK/IOS app from to your mobile device.

  • APK file for Android phones
  • IOS file for iPhone

Step 2: Account registration

Complete the account registration process by providing information, including:

  • Full name, email address, mobile phone number, and create a password.
  • Residential address, occupation, salary
  • National identity card image, portrait
  • Bank account information.

Step 3: Fill out the loan application

After your account is created and verified, you fill out the loan application online on the TopChance app. In the application, you specify the amount you want to borrow, the term, and the purpose of the loan.

Note: It will take 30 minutes to 60 minutes to receive information on whether the registration is successful or unsuccessful. If successful, the amount will be transferred to your bank account and vice versa.


TopChance is a modern and convenient financial application for the people of Nigeria. With easy access, quick registration, and financial flexibility, it enables users to conveniently access digital financial services. Transparent interest rates and reasonable late fees ensure transparency and fairness. Wishing everyone success in registering for loans on the app.

See more: