VibeCredit is a trusted online lending platform in Nigeria, offering convenient and fast cash loans. With competitive interest rates, flexible terms, and easy application, it provides financial solutions to borrowers' needs.
Operating system

Report This App


VibeCredit – The fastest and most reliable online loan application for all your financial needs in Nigeria. No more worries about complex and slow loan procedures. VibeCredit brings you a simple, convenient, and secure loan experience.

The app offers competitive interest rates, flexible terms ranging from 120 days to 360 days, and a borrowing limit of up to ₦100,000 for first-time applicants. Furthermore, VibeCredit is committed to helping you easily overcome financial challenges. With a straightforward process, transparent costs, and 24/7 customer support, that’s why VibeCredit is the top choice for online loans. Download the VibeCredit App today and experience the convenience of online borrowing.

Detailed Product Information for Loans at VibeCredit

VibeCredit offers monthly installment cash loans with the following loan product details:

  • Loan Amount: From ₦30,000 to ₦300,000.
  • Loan Term: From 120 days to 360 days.
  • Interest Rate: 24% per annum.
  • Processing Fee: From ₦60 to ₦2,000, depending on the loan term and amount.
  • GST (Goods and Services Tax): 18% processing fee as per policies and regulations.
  • APR (Annual Percentage Rate including interest rate, processing fee, and GST): Up to 45%.

Note: Loan product information may change in the future, and users are advised to access the app for the latest updates.

Requirements for Applying for a Loan on VibeCredit

There are certain mandatory conditions you need to adhere to when applying for a loan on VibeCredit, including:

  1. Being between the ages of 18 and 56 and a Nigerian citizen.
  2. Providing a valid national identification number (NIN).
  3. Furnishing personal information such as your name, contact address, and phone number.
  4. Having stable employment and income to repay the loan.
  5. Using a bank account for loan disbursement and repayment.
  6. Using a phone number for communication and receiving notifications.

Pros and Cons of the VibeCredit App

Here are the pros and cons of the VibeCredit App, compiled for user reference:


  • Convenient and quick loan application process.
  • Competitive interest rates, lower than the market average.
  • Variety of loan options for customers to choose from.
  • Monthly installment loan service with the possibility of loan extensions.
  • Transparent, publicly available, and clear costs.
  • 24/7 customer support, available anytime, anywhere.
  • No collateral or paperwork required.


  • Higher interest rates compared to traditional banks.
  • Risk of accruing debt.
  • Requirement of a valid national identification number.
  • Not available for everyone.

Contact Information for VibeCredit

Below is the contact information for VibeCredit:

VibeCredit offers 24/7 customer support via the provided email address. If you need assistance or have any questions related to the product and services, please contact them via the provided email or company address.

How to Apply for a Loan at VibeCredit

To apply for a loan on the Vibe Credit app, follow these steps:

Step 1: Download and install the VibeCredit APK/IOS app from

Step 2: Register an account, provide personal information, and verify your identity.

Step 3: Choose the loan term and amount. Then, submit your application.

Step 4: VibeCredit will assess your profile. If your application is approved, the loan will be disbursed to your account.

Note: Information and application procedures may change over time based on VibeCredit’s policies and regulations. Please check their website or contact them for specific details and support.

Loan Repayment on VibeCredit

To repay a loan on the VibeCredit app, follow these steps:

Step 1: Log in to the app.

Step 2: Select “Repayment” or “My Loans.”

Step 3: Choose the loan you wish to repay.

Step 4: Select your payment method, including bank transfer, e-wallet, internet banking, etc.

Step 5: Enter payment information and confirm. Monitor your repayment history and loan status.

Note: Ensure you check the information and instructions within the VibeCredit app for accurate payment processing.

Considerations When Borrowing Money from VibeCredit

If you want to safely and effectively apply for a loan on the Vibe Credit app, you should keep in mind the following information:

  • Carefully read the terms and fees.
  • Borrow responsibly and only if you can afford to repay the debt.
  • Verify the credibility of the app.
  • Protect your personal information.
  • Ensure your ability to make payments.
  • Monitor your repayment history.
  • Contact customer support if you need assistance or have questions.

Remember that borrowing money should be done thoughtfully and with a clear repayment plan to avoid unmanageable debt accumulation.


The VibeCredit App is a useful and convenient choice for online loans in Nigeria. It offers advantages such as competitive interest rates, a straightforward application process, and installment loan options. However, users should carefully consider borrowing and adhere to regulations to prevent uncontrolled debt growth. It’s crucial to thoroughly read the terms and conditions of the app and always maintain the ability to make timely payments to reap the benefits and minimize risks. Wishing everyone success and good luck.

See more: