# Opticom Finance — Make your dream come true! > Financial services app for savings, bill payments, airtime, and loans. (iPhone/iPad app by Opticom Finance Limited.) - Source: https://appshunter.io/ios/app/opticom-finance/id6444484132 (this page in markdown: same URL + `.md`) - Developer: [Opticom Finance Limited](https://appshunter.io/developer/1654906833) - Category: Finance - Price: Free - Age rating: 17+ - Requires: iOS 12.0 · 64 MB - Languages: English - Released: 2023-06-15 - Data updated: 2026-07-08 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/opticom-finance/id6444484132/reviews.md ## What is Opticom Finance? With Opticom Finance savings you can save, and grow your finances. You can also purchase airtime and pay your electricity, internet and other provider bills in a fast and secure means all from the Opticom Finance app! LOAN RATES AND REQUIREMENTS With Opticom Finance, you can take loans at your convenience with no long queues or documents. Our payback period can be from 62 days to 90 days based on eligibility. We usually require no collateral. However, for specific loan amounts you may need to provide a guarantor. Also we only accept loan applications from persons above the age of 21. To verify your identity and eligibility, you will need to submit additional documentation such as a valid identification document and may also be required to submit your bank statement. Our minimum interest rate, which is determined by our credit scoring algorithm, is 3% per month and a maximum of 10% per month. This comes to an Annual Percentage Rate (APR) of 36%. FOR EXAMPLE; If you get a personal loan product of N10,000 to pay back over a 3-months tenor at an interest rate and fees of 3% per month (36% APR), you will be paying back N900 in interest. Making your total Principal + Interest repayment of N10,900 only. Nevertheless, all you need to do is download the app, sign up easily and apply for a loan in minutes! WANT TO TALK TO US? At Opticom Finance, we welcome feedback. If you have any issues navigating the app or questions, reach us by calling +234 803 345 3830 or 01-2799160 or send an email to info@opticomfinance.com. ADDITIONAL NOTES We take several signals into consideration when processing your loan request, such as your previous loan performance, credit score and so on. We also require that only correct details are filled in the loan application as false details could delay your loan request and your profile may be blacklisted. In cases of fraud, you may be reported to the authorities. ## Key features - Save and grow finances - Purchase airtime - Pay provider bills - Apply for loans - Flexible loan repayment - Collateral-free loans ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/opticom-finance/id6444484132/reviews.md ### 1/5 — Scam zone *2023-11-14* Hi guys please this is a waste of time app totally a scam zone and waste of time. They will collect all your personal information including your IDs, employment information yet they will only said to approve you 5,000 with a guarantor who will have to go through the same process as you. They are just totally a scam with unending requirements. I have used renmoney and was approved for 130k the very first time without collecting this much information. Now I can borrow up to 500k with renmoney. Fick you ## Frequently asked questions about Opticom Finance ### What is Opticom Finance? Opticom Finance is a mobile application designed to help users save money, pay bills, purchase airtime, and apply for loans. It aims to provide a fast and secure platform for various financial transactions. ### How do I apply for a loan with Opticom Finance? To apply for a loan, you need to download the app, sign up, and complete the loan application within minutes. You may need to provide identification and potentially a bank statement for verification. ### What are the loan terms for Opticom Finance? Loan payback periods range from 62 to 90 days, based on eligibility. Interest rates can be between 3% and 10% per month, resulting in an Annual Percentage Rate (APR) of 36%. ### Does Opticom Finance require collateral for loans? Generally, Opticom Finance does not require collateral for loans. However, for specific loan amounts, a guarantor might be necessary. ### What is the minimum age to apply for a loan on Opticom Finance? You must be above the age of 21 to apply for a loan through Opticom Finance. This is part of the eligibility verification process. ### How does Opticom Finance determine loan eligibility? Eligibility is assessed using a credit scoring algorithm that considers factors like previous loan performance and credit score. Providing correct details in the application is crucial. ### What if I have issues or questions about Opticom Finance? You can contact Opticom Finance for support by calling +234 803 345 3830 or 01-2799160, or by sending an email to info@opticomfinance.com. They welcome feedback and assistance requests. ### Is Opticom Finance available on multiple devices? Based on the available data, Opticom Finance is supported on iPhone and iPod devices. Further platform compatibility may be available. ## Version history (last 2 releases) ### 1.1 — 2023-12-28 -Bug Fix ### 1.0 — 2023-01-19 No release notes. ## Apps similar to Opticom Finance | App | Rating | Price | Category | | --- | --- | --- | --- | | [Purplepay](https://appshunter.io/ios/app/purplepay/id1548285634) | 2.6 (11) | Free | Finance | | [Fortress MFB](https://appshunter.io/ios/app/fortress-mfb/id6444297811) | 1.0 (1) | Free | Finance | | [Monéé Powered by Citygate](https://appshunter.io/ios/app/monee-powered-by-citygate/id1668239974) | 5.0 (1) | Free | Finance | | [SeedFi](https://appshunter.io/ios/app/seedfi/id6449260862) | 3.2 (18) | Free | Finance | | [Trade Lenda: Loans & Invest.](https://appshunter.io/ios/app/trade-lenda-loans-and-invest/id6447363171) | 1.2 (5) | Free | Finance | | [NOLT](https://appshunter.io/ios/app/nolt/id1577549857) | 1.7 (6) | Free | Finance | --- *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 2026-07-08.*