# Sycamore - Save Invest Borrow — Save, Invest & Get loans

> Financial app for loans, lending, investing, and bill payments. (iPhone/iPad app by Sycamore Integrated Solutions Limited.)

- Source: https://appshunter.io/ios/app/sycamore-save-invest-borrow/id1592757960 (this page in markdown: same URL + `.md`)
- Developer: [Sycamore Integrated Solutions Limited](https://appshunter.io/developer/1592757962)
- Category: Finance
- Price: Free
- Rating: 4.30/5 from 124 App Store ratings · 19 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.5 · 94 MB
- Languages: American English
- Released: 2022-03-18
- Data updated: 2026-08-21
- Monetization: ad-supported
- User reviews in markdown: https://appshunter.io/ios/app/sycamore-save-invest-borrow/id1592757960/reviews.md

## What is Sycamore?

Sycamore –Save Invest Borrow

Sycamore is a secure all-in-one fintech app that helps you access credit, save consistently, invest wisely, and manage everyday payments—all from one platform.
Designed for individuals and businesses in Nigeria, Sycamore gives you the tools to take control of your finances with transparency, flexibility, and security.

Quick & Flexible Loans
Access personal and business loans with a simple application process and transparent terms.

Whether you need funds for emergencies, rent, school fees, or business growth, Sycamore makes borrowing easier.

Loan Features
- Loan amounts from ₦100,000 – ₦100,000,000
- Flexible repayment plans (3 – 24 months)
- Competitive interest rates starting from 2.3% monthly
- Processed under 5 hours (subject to eligibility and verification)
- Secure and simple application process

Loan Types
Salary Loans
For salaried employees who need quick access to funds for personal needs.

Business Loans
For registered Nigerian businesses seeking working capital and growth funding.

Loan Terms & Transparency
- APR range: 27.6% – 72% annually (depending on user profile and loan terms)
- Loan tenure: 3 – 24 months
- Approval: Subject to eligibility, verification, and risk assessment
- No hidden fees

Representative Example
Loan Amount: ₦1,000,000
Tenor: 12 months
Monthly Interest Rate: 3%
APR: 36%
Total Repayment: ₦1,360,000

Save Smarter with High-Interest Savings
Build better financial habits with flexible and automated savings options.

Savings Features
- Create goal-based savings plans (rent, travel, gadgets, etc.)
- Automate deposits and consistently
- Access fixed and flexible savings options
- Earn competitive interest rates (up to 20% annually)

Invest & Grow Your Wealth
Access curated investment opportunities designed to help you grow your money over time.

Investment Features
- Start investing from ₦100,000
- Earn competitive returns (up to 25% annually)
- Access fixed income and structured investment products
- Diversify your portfolio with professionally managed options

Enhanced Dollar Investment (EDI)
- Invest from as low as $5
- Earn returns in USD (up to 8% annually)
- Hedge against currency fluctuations

Disclaimer: Investments carry risk. Returns are not guaranteed and may vary based on market conditions.

Send Money & Pay Bills Easily
Sycamore also works as a digital banking app for your everyday transactions.
- Transfer money securely and instantly
- Buy airtime and data
- Pay electricity and cable TV bills
- Buy e-sims so you can travel without worries and gift vouchers from popular brands you use like Netflix, Apple etc.
- Manage daily financial activities

Safe, Licensed & Trusted
Your security and trust are our priority. Operated by Sycamore Integrated Solutions Limited. Investments managed by SEC-licensed Sycamore Investment & Asset Management Limited (SIML). Banking services provided by a CBN-licensed microfinance bank. Deposits insured by NDIC

Loan Requirements

To apply for a loan, you may need:
- Valid government-issued ID
- BVN and NIN
- Bank statement (up to 6 months)
- Proof of employment (for salary loans)
- Utility bill
- Debit card or direct debit mandate for repayment setup

Requirements may vary based on loan type and user profile.

Privacy & Data Protection
We are committed to protecting your data.

Sycamore may request access to certain device information (such as device data and financial details) strictly for:
- Identity verification
- Fraud prevention
- Credit assessment
All user data is encrypted and securely stored. Your information is never shared without your consent.

Learn more:
sycamore.ng/privacy

Contact Us
Our support team is here to help.
0201-700-3497
complaints@sycamore.ng

## Key features

- Personal loans
- Business loans
- Lend money to friends
- Borrow money
- Invest and earn returns
- Pay bills

## Recent user reviews (10 of 19)

All indexed reviews: https://appshunter.io/ios/app/sycamore-save-invest-borrow/id1592757960/reviews.md

### 5/5 — Need to have an international account

*2026-03-02*

Well I love everything else about the app except you couldn’t get an International Account  number just like you Could easily get Nigerian own on it

### 1/5 — RUN AWAY FROM THESE FRAUDS!

*2026-02-23*

So this is what they do:
Once you register you’ll be assigned a bank account with providus or Wema and then after making your first deposit they’ll take off the account off your profile and you won’t have access to your funds - contact cs and you’ll be told you haven’t been assigned any account and that you’ve made a wrong deposit🤔 - Licensed thieves👌🏽

### 1/5 — Stupid app, ignore or get scammed

*2026-02-14, version 2.4.2*

This app is one of the most useless app I ever come across, they are nothing but a cheap scammer, scamming people of their money while looking like the best app. I am sure the reviews that will want you to click are paid for because they are not even worth seeing on AppStore ( IT SHOULD BE TOTALLY REMOVED)

### 5/5 — My investment with sycamore

*2026-01-16, version 2.4.1*

My investment with sycamore very transparent and straightforward. I love the app and I will continue to invest more with them.

### 1/5 — Worst fintech app ever

*2025-11-10*

Terrible loan analysts and overall not fit to be on this space.

**Developer response:** We’re sorry to hear that your experience did not meet expectations. We strive to maintain high review standards and treat every application fairly based on our assessment criteria.

If you’d like us to take a closer look at your case, please reach out to us via in-app chat or email [complaints@sycamore.ng]. We’re always open to feedback and committed to improving our service.

Thank you.

### 5/5 — I love it

*2025-09-17*

I like the fact that it’s a multipurpose platform. No need for different bank apps

### 5/5 — Sycamore investment

*2025-09-16, version 2.3.1*

I use Sycamore to save part of my salary. Instead of letting it sit idle, I grow it with daily interest and earn more. A smart way to make my money work for me.

### 5/5 — Very Nice

*2025-09-14*

Keep up the good work

### 2/5 — Of course

*2025-05-07*

Yes

### 2/5 — Rubbish

*2025-02-02*

E no go better for una that’s all I have to say

## Frequently asked questions about Sycamore

### What can I do with this financial app?

This app allows you to apply for personal and business loans, lend money to friends, borrow money, invest your funds to earn competitive returns, and pay your bills. It's a comprehensive tool for managing various financial needs.

### What are the loan amounts available?

You can access collateral-free personal loans ranging from N100,000 to N5 million. For business loans, the amounts range from N500,000 to N5 million.

### How does the investment feature work?

The app enables you to invest your money and earn competitive returns. Specific details on investment products and return rates are available within the application.

### Is this app free to use?

The app is free to download and use. However, it does display advertisements as part of its monetization model.

### Who is this app designed for?

This app is designed for individuals and businesses looking for a convenient way to manage their finances. It's particularly useful for those needing quick access to loans, looking to invest, or wanting to streamline bill payments.

## Version history (last 5 releases)

### 2.5.4 — 2026-08-20

- We added trusted device verification in line with CBN regulations; secure your account easily using an OTP or your security questions.
- We added new smart alerts and verification experiences to keep your funds safe.
- Added a clear timeline so you can track your address verification status.
- Improved the experience on the next of kin form and made loan cancellation clearer.
- General bug fixes and under-the-hood analytics improvements to serve you better.

### 2.5.3 — 2026-07-02

- General performance refinements and stability improvements

### 2.5.2 — 2026-06-10

- You can now scan and pay other Sycamore MFB users using QR codes.
- Improved verification flows with enhanced validations for Next of Kin details and clearer guidance during Address Verification to help users complete verification successfully.
- Fixed Target Savings calculations to display the correct duration.
- General performance refinements and stability improvements.

### 2.5.1 — 2026-05-15

- General Performance refinements and stability improvements.

### 2.5.0 — 2026-05-11

- A revamped onboarding experience
- You will now be required to provide additional KYC requirements based on CBN & SEC requirements
- You will be issued a Sycamore MFB account once you fulfil tier 1 KYC requirements
- We implemented an experience to show you failed credit transactions based on restrictions on your tier.
- We optimised the transfer experience and transfer recipients will now see your name as the sender name
- General performance refinements and stability improvements.

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## More apps by Sycamore Integrated Solutions Limited

- [Bedrock Residences](https://appshunter.io/ios/app/bedrock-residences/id6504252983)

All apps by Sycamore Integrated Solutions Limited: https://appshunter.io/developer/1592757962

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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 2026-08-21.*