# Nodcredit

> Mobile app providing quick loans with flexible repayment and deferral options. (iPhone/iPad app by Nodens Nigeria Limited.)

- Source: https://appshunter.io/ios/app/nodcredit/id1521468243 (this page in markdown: same URL + `.md`)
- Developer: [Nodens Nigeria Limited](https://appshunter.io/developer/1521468906)
- Category: Finance
- Price: Free
- Rating: 2.67/5 from 48 App Store ratings · 8 written reviews indexed
- Age rating: 4+
- Requires: iOS 12.0 · 45 MB
- Languages: English
- Released: 2020-07-08
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/nodcredit/id1521468243/reviews.md

## What is Nodcredit?

NodCredit offers both employed and self-employed, business persons and corporates quick loans starting from N10,000 to N50,000 for first time borrowers. Returning customers can access upto 300,000.

Our Interest ranges from 1% – 16% per month. For multiple tenors accessible to returning customers we charge on reducing balance at lower interest.


# SIMPLE STEPS to get a loan on NodCredit:
1. Install NodCredit app
2. Sign up with your BVN. BVN spooled data will be used to pre-populate some of your personal data
3. Add your card (N20 will be charged for card tokenization) and bank account details
4. Apply for your loan
5. Wait for a few minutes.
6. If your loan is approved. You receive cash instantly in your provided bank account.


# UNIQUE FEATURES on NodCredit?
- Pause Option: you can defer your repayment date for 30 days if you run into any financial difficulties. You can defer for as many times as possible.
- Custom repayment schedule - unlike the other lenders, we allow you settle your loan in split payments, pay parts of your loan whenever you have it.


# RATES AND FEES
# NIGERIA: Loans range loans from 10,000 to 300,000 with terms from 62 days to 180 days.
With an equivalent monthly interest of 1% – 16% and APR (Annual Payment Ratio) of 12% - 96%.


LOAN / REPAYMENT SCENARIO:
- If your loan is for 3-months and your borrowed N150,000, if NodCredit charges you a returning customer interest rate of 10% per month on your reducing balance. You will pay;
- 1st month: N65,000
- 2nd month: N60,000
- 3rd month: N55,000
This is a gross interest rate of 20% and an equivalent monthly interest of 6.6% for each month on your fixed balance of 150,000.

PS: Remember you can also pause the pause and defer payments for another month.

## Key features

- Quick loan access
- Loans up to N300,000
- Flexible repayment schedules
- Pause loan repayment option
- BVN pre-population
- Instant cash disbursement

## Recent user reviews (8 of 8)

All indexed reviews: https://appshunter.io/ios/app/nodcredit/id1521468243/reviews.md

### 1/5 — Elnino231

*2022-10-08, version 1.3.7*

I signed up with my first information, plus my BVN number, which my phone number follows for verification but the app keeps rolling for ours. Please is my bvn safe?

### 1/5 — Una no well

*2022-08-17, version 1.3.7*

Una no well. My account is suspended please contact us... For where that’s you peoples problems not mine tho

### 1/5 — Scammer

*2022-06-28, version 1.3.7*

Pls be careful with this app ,I paid them part of loan they gave me after they received the money ,they sent receipt to my email to show they actually received the money but they don’t minus it from what I owed them and reached out to them severally to complained about this but nothing is done by them till now..they’re just adding more problem to human’s life .

### 1/5 — Omo

*2022-06-24, version 1.3.7*

How will I complete my check list telling me to install mobile app to complete it please tell me how I will get this this done

### 1/5 — How to install your mobile application

*2022-03-09, version 1.3.5*

Pls tell me how to install your mobile app

### 1/5 — Fix this

*2021-11-24, version 1.3.5*

Can’t connect my bank to get a loan

### 1/5 — Late disbursement and bad customer service

*2021-11-23, version 1.3.5*

Your loan page has been showing that you’re not currently disbursing loan for a while now.. How long will it take you to be disbursing loan into customers account, or why do you think people apply for an instant and reliable loan? You’re one of the best loan platform and we don’t want this to spoil your reputations, please go ahead and resolve that before you lose customers…

### 1/5 — Anthony

*2021-10-17, version 1.3.3*

Why do you people have to suspend my account even after paying back the loan earlier enough before the due date. I took a loan for a month and paid back in a week. Did my earlier repayment warrant my account suspension??

## Frequently asked questions about Nodcredit

### What is the minimum and maximum loan amount on Nodcredit?

First-time borrowers can access loans from N10,000 to N50,000. Returning customers can access up to N300,000.

### What are the interest rates and loan terms for Nodcredit?

Interest rates range from 1% to 16% per month, with an APR of 12% to 96%. Loan terms in Nigeria range from 62 days to 180 days.

### Can I defer my loan repayment on Nodcredit?

Yes, Nodcredit offers a unique 'Pause Option' allowing you to defer your repayment date for 30 days, and this can be done multiple times.

### How does Nodcredit handle loan repayments?

Nodcredit allows for custom repayment schedules, enabling you to settle your loan in split payments whenever you have funds available.

### What information is needed to apply for a loan on Nodcredit?

You need to sign up with your BVN, which pre-populates personal data. You also need to add your card details (a N20 charge applies for tokenization) and bank account information.

### How quickly can I receive loan funds after approval on Nodcredit?

If your loan is approved, you will receive cash instantly in your provided bank account.

### What is the user rating for Nodcredit?

Nodcredit has a user rating of 2.7 stars based on 48 ratings.

### On which devices can I use Nodcredit?

Nodcredit is available for iPhone, iPad, and iPod devices.

## Version history (last 1 release)

### 1.3.7 — 2022-04-10

Bug fixes and performance improvements

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*