NairaBox loan is one of the giants in the digital lending system, offering instant access to affordable loans to Nigerians. With NairaBox, you do not have to panic about meeting up with your financial needs and also emergencies.

If you are wondering what this unique platform is all about, then this article is what you need. Here, we will broaden your knowledge about this platform, how you can access quick loans, and answer some mind-boggling questions. Keep reading.

Overview Of NairaBox

At the beginning of this article, we clearly stated that NairaBox is one of the giants in digital lending. This means they are reliable and legit when offering quick loans to citizens without much documentation, paperwork, collateral, or property papers.

You do not have to wait long to obtain the NairaBox loan. All you need is your smartphone, and you meet the requirements. Do not worry about the requirements because they are just at the tip of your fingers.

Stressing Furthermore, the duration of the NairaBox loan is flexible. Talking about the interest rate, it is very low; there is also the incidence of fast loan disbursement, and the repayment plan is pretty much flexible.

Yes, you do not have any excuse to give if you allow yourself to get entangled with bills. Hence, the sole aim of the NairaBox loan platform is to help you pay bills conveniently without harassment or threats.

How Does NairaBox Loan Platform Work?

NairaBox works like other financial technology companies; however, there are a lot of features that set it apart from others. Hence, we are confident that they are worth the tag of the top leading financial technology companies in Nigeria.

You can borrow as low as N10, 000 and as high as N300, 000 with a duration between 1 month and 12 months.

But then, your credit limit, which is how much you can borrow, depends largely on your creditworthiness and ability to repay your previous loans when due.

Therefore, as a first-timer, you may not be able to access a larger amount, but with faithfulness, you will increase your credit limit.

How to Download NairaBox Loan App (APK)

Kissht App is the NairaBox loan platform’s official app. It is available at the Play Store and is highly rated by its users.

You can apply for a NairaBox loan from the website or the mobile loan app. To download the app, follow the guidelines provided below;

  • Open the Google Play Store app on your Android phone.
  • Type “NairaBox” or “Kissht App” on the search bar.
  • Lastly, download the app and install it to access fast loans.

After downloading the app, the next thing is to sign up and create an account with NairaBox. To that, follow the steps below;

  • Launch your app
  • Click on “Create Account”
  • Input the required information, like your phone number.
  • Create a strong PIN to help prevent unauthorized access to your account.
  • Your account is set and ready to function.

Note: two accounts can not be opened on the same phone and with the same phone number. This may affect your account creation and loan approval.

Criteria For Obtaining NairaBox Loan.

We stated earlier that the NairaBox loan platform does not demand collateral or property documents to issue you a loan. However, the following are required before you can access NairaBox loans.

  • You must be a citizen of Nigeria and also reside in Nigeria.
  • You must have a bank account with any of the commercial banks in Nigeria to aid loan disbursement.
  • You must be at least 20 years old.
  • You have to provide a valid means of identification.
  • Your Bank Verification Number (BVN) and possibly your NIN.
  • You must have a good and reliable job.
  • You must be willing to repay your loan when due, and lastly,
  • You should have a smartphone that can access the internet without hurdles.
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Once these are in place, you can apply for your desired loan.

How To Apply For NairaBox Instant Access And Affordable Loan

It is easy to apply for a loan on NairaBox with loan disbursement within 10 minutes of approval. Averagely, it takes less than 30 minutes to apply for loans on NairaBox, and it gets approved and sent to your bank account.

The following steps with guide you;

  • Download the app if you have not downloaded it.
  • Create an account. If you have an account already, proceed to the next step.
  • Next, clock on the loan icon and follow the instructions given judiciously.
  • Meanwhile, you will be required to enter personal details like BVN, NIN, password, and even emails.
  • Once you are done and satisfied with your application (filling out the application form), you can submit it.
  • Wait for a while so that the management team can review your application.
  • You will be credited once your application is approved.

In addition, your application can be rejected for many reasons, such as having too many NairaBox accounts on the same phone.

Read Also: How to Be Rich Through Loans in Nigeria

NairaBox Loan Customer Care Phone Number

Nairabox’s customer loan service is available from monday to friday 9am to 5pm via our customer service hotline under +234 90 800 00381

Frequently Asked Questions

How Much Can I Borrow From The NairaBox Loan App?

The NairaBox loan platform offers fast and affordable loans to its customers. However, you can borrow between N10, 000 and N300, 000.

As a newbie, your credit limit is low and would increase with time, provided you remain faithful.

What Is NairaBox Loan Interest Rate?

The interest rate of the NairaBox loan is another feature that makes it one of the prominent loan apps in Nigeria.

Depending on the amount borrowed and the duration, NairaBox has an interest rate as low as 28.5%.

What Is The Duration Of a NairaBox Loan?

The duration of the NairaBox loan is very flexible and convenient for an average man.

The duration is between 30 days which is roughly a month, and 365 days which is 12 months (a year).

Is NairaBox Legit?

NairaBox seems to be legit, following the reviews from past users. However, we advise you to repay your loan when due to avoid penalties.

Where Is NairaBox Head Office Located?

The NairaBox Head office is located in

5 Ayinde Akinmade Street Lekki Phase 1, Lagos, Nigeria.

You can also contact them through any of the following pathways for queries or complaints;


Email Address:

Bottom Line

NairaBox is indeed one of the best loan apps offering instant and affordable loans to Nigerians. We have outlined everything you need to know about the NairaBox loan.

From the requirements to how to apply for loans on this platform. We are confident that this satisfies your search intent. Do not allow bills to trap you when there is NairaBox. Give them a try today!

Feel free to share your thoughts on this in the comments section. Also, if you have any questions regarding this, bring them on. We shall respond swiftly to them.