Xcrosscash Loan App

Xcrosscash Loan is one of those loaning platforms, however, with a difference. And this is what sets it apart from other online lending platforms. The shortcomings of physical banks have given rise to the emergence of numerous online lending platforms.

In this article, we are taking a close look at Xcrosscash, how it works, how you can apply for loans on Xcrosscash, and other important aspects of Xcrosscash. Be sure to keep reading as we journey down.

What Is Xcrosscash?

Xcrosscash is an online lending platform based in Nigeria that makes quick personal loans available to people who meet up with their requirements and criteria.

Xcrosscash through its website and application helps individuals with short-term loans to take care of their personal needs.

You can borrow up to N50, 000 from Xcrosscash. Their services are convenient, stress-free, and less of bottlenecks.

Anyone can borrow from Xcrosscash provided you have a source of income.

Again, ever since it began operation as a lending platform, it had maintained a reputable name and met the expectations of its customers without an iota of misappropriation.

How Does Xcrosscash Work?

Xcrosscash needs no collateral, guarantor, or even too much time to get your loan application approved.

First thing first, you need to sign up with Xcrosscash before you can think of obtaining a loan from them. And by signing up we mean creating an account with them and then moving over to navigating the app for loan applications.

Xcrosscash in its quest to meet the financial needs of people and reduce the friction between people and banks in terms of instant loans made it easy for people to borrow between N10, 000 and N50,000.

Xcrosscash repayment plan is not a pain in the ass as it is flexible with a duration of 3 months to 6 months.

What Are The Criteria And Requirements For Xcrosscash Loan?

Indeed, you do not need property documents to acquire loans from Xcrosscash, below are the requirements for obtaining loans from the platform.

Note that without meeting these requirements will lead to a decline in your loan application. Here are the requirements;

Country Of Residence

To be able to collect loans from Xcrosscash, you need to be a resident of Nigeria.

Yes, you must live in Nigeria. This is based on the fact that Xcrosscash’s has its head office and operation only within the borders of Nigeria.

Age bracket

It is not enough to reside in Nigeria, your age should be between 22 years and 55 years.

While it is worthy of belief that at 22, someone should have a good income it is cool to accept the fact that the reverse is the case for those who are 55 years.

Bank Account Number

Your bank account number which is opened in any of Nigeria’s commercial banks is also crucial.

Your loan when approved can only be disbursed to your bank account.

If you do not have a bank account, do well to get one as soon as possible.

Phone Number

A valid phone is very important if you desire to collect a short-term personal loan from Xcrosscash. It is through your phone number that you will be able to receive verification codes and security codes.

Remember, the phone number must be active and linked to your National Identification Number (NIN).

Bank Verification Number

Your BVN is as important as your bank account. It is a unique code for any account holder and is the same across different banks.


Your bank verification number will enable Xcrosscash to confirm your details, and banking history and also ensure you are not owing other loan apps.


Moreover, the Bank Verification Number (BVN) is also important in tracking financial crimes.

Good Source Of Income

It is one thing to borrow loans and it is another thing to pay them back.


It is better not to borrow loans from Xcrosscash when you are sure you are not working or having any steady stream of income. This way, you save yourself from attracting penalties and embarrassment.

Read Also:  Ncash Loan - How to Borrow a Loan From Ncash App

A Smartphone

If you must apply for loans on Xcrosscash, you must have a smartphone.

Your smartphone should be able to browse through the internet and also download the Xcrosscash loan app.

These are the basic requirements for obtaining a loan from Xcrosscash. However, it does not stop there.

If after going through the requirements and you are sure you are fit for getting an Xcrosscash loan, proceed to download the Xcrosscash loan app.

Xcrosscash Loan App

The Xcrosscash loan app is where you can apply for loans if you do not want to go through the official website.

Xcrosscash loan app has been an amazing app since it began operations. Yes, the Xcrosscash loan app has got amazing features that make it different from other loan apps.

Sadly, the Xcrosscash loan app is only available for Android users in Google Play Store. Windows and IOS users can not get it.

Xcrosscash is top-rated. About 4.5 ratings out of 5.0, over 500, 000 downloads, and 25,000 users.

To crown it all, the size of the Xcrosscash loan app is small. With no more than 12 MB you can download the app from Google Play Store.

Once you have downloaded the loan app, the next great step to take is to create an account with it.

How To Create An Account on Xcrosscash

Creating an account with Xcrosscash is very easy provided you follow the steps we have outlined below;

  1. Launch your Xcrosscash app and wait for the signup page.
  2. Click on sign up and you will be redirected to another page.
  3. Put your Bank Verification Number (BVN) which aids Xcrosscash to access your details like age, nationality, and banking history.
  4. After entering your BVN, go ahead and input your phone number. Remember, this phone number had to be linked to your National Identification Number (NIN).
  5. A verification code will be sent to your phone number as an SMS. Enter the code and continue with your registration.
  6. Set up a strong password to prevent it from borrowing loans with your account without your consent.

How To Get Loans From Xcrosscash

Follow the instructions below to get an instant loan from Xcrosscash.

  1. Launch your app and move to “Apply For Loan” on your dashboard.
  2. Select the amount you want to borrow from the app. You can borrow between N10,000 and N50, 000.
  3. Input your account number and other essential details.
  4. Set up your repayment plan. One of the uniqueness of Xcrosscash is that the repayment plan is flexible. You are allowed to set up your repayment plan comfortably.
  5. Once you are done with your application process, submit and wait for the Xcrosscash team to review your application.
  6. If your application is approved, you will receive a confirmation SMS, and the loan will be disbursed into your bank account within a few minutes of approval.

If your application is declined, be sure to check if the details you gave are accurate. Then try again.

How Much Can I Borrow From Xcrosscash?

You can borrow from N10, 000 to N50, 000 on the Xcrosscash loan app without property documents, collateral, or guarantor.

Just meet the requirements for the application and your loan is a few minutes to be disbursed into your bank account.

How Can I Increase My Loan Limit On Xcrosscash?

There are two ways you can increase your loan limit on Xcrosscash. They are;

  1. Paying back loans early. If you can repay your loan on time without attracting a penalty, you stand a chance of having your loan limit increased.
  2. By performing simple tasks on the app. Tasks like watching ads, referring people to sign up with

What Is Xcrosscash Repayment Term And How Can I Repay My Loan?

There is no fixed repayment plan on Xcrosscash. It is flexible and convenient for the applicant. By being flexible we mean that you are allowed to choose your repayment plan.

However, the duration is usually between 3 months and 6 months.

To repay your loan on Xcrosscash do these:

  1. Go to your account dashing and click on “Repay My Loan”.
  2. Enter the amount you want to repay, and your account number, and then pay either with your debit card or credit card.

If you do not want to pay online you can also request their bank account details and instructions on how to do that.

Xcrosscash Loan Interest Rate

Xcrosscash’s interest rate is a bit cheaper. They charge about 4.0% to 4.7% of your loan per month. Cool right? Well, that is one of the many reasons you should get on Xcrosscash today.

Where Is Xcrosscash Head Office And How Can I Contact Them?

Xcrosscash is a Nigeria-based lending platform with its head office at 50c Sauket Street, Ikeja GRA, Ikeja, Lagos, Nigeria.

You can also reach out to them through their email address at xcross.tyz@gmail.com.


If there’s a platform that should see to your emergencies, that should be Xcrosscash. Secured and fast loans, easy navigating top, and fast fund disbursement are some of the benefits that stand Xcrosscash out of the crowd. Get the app today and enjoy quick loans