Swiftkash Loan Review, Contact Number

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Swiftkash Loan is a Nigerian-based digital lending platform that offers quick and easy personal credit to help individuals and businesses achieve their financial goals.

The company uses machine learning algorithms to analyze borrower behavior and quickly evaluate loan applications.

This review will provide a detailed overview of the Swiftkash loan, including eligibility criteria, loan amounts, interest rates, repayment terms, and the application process.

Loan Amount and Interest Rate

The loan amount available on Swiftkash ranges from NGN 5,000 to NGN 600,000, with a loan term of 91 to 180 days.

The maximum APR (Annual Percentage Rate) is 36% per year or 0.08 percent per day. It’s essential to note that interest rates vary depending on the loan amount and repayment period.

As a representative example, if you borrow ₦20,000 with a repayment period of 120 days, the total interest must be paid: ₦20,000 * 0.08 percent * 120 = ₦1920.

Thus, the total repayment bill including principal and interest is: ₦20,000 +₦1920= ₦21,920.

Why Choose Swiftkash?

There are several reasons to choose Swiftkash when you need a personal loan. Some of the benefits of using Swiftkash include:

  • Easy access 24/7: You can apply for a loan anytime, anywhere, using the Swiftkash app on your smartphone.
  • Quick and easy sign-up: The application process is straightforward, and you can receive your loan within minutes of approval.
  • No paperwork, collateral, or office visits needed: You don’t need to provide any collateral or visit any offices to apply for a loan with Swiftkash.
  • Use your money the way you want to: Whether you need the money for personal or business purposes, Swiftkash gives you the freedom to use it as you see fit.
  • No late charges or rollover fees on loans: Swiftkash does not charge late fees or rollover fees on loans, making it easier to repay your debt.
  • Lower fees and flexible payment terms as you repay: Swiftkash offers lower fees and flexible repayment terms that adjust as you pay back the loan.

Eligibility Criteria

To apply for a Swiftkash loan, you must meet the following eligibility criteria:

  • You must be a Nigerian citizen
  • You must be between 20 and 55 years old

How to Apply for a Loan

To apply for a loan on Swiftkash, follow these steps:

  1. Download the Swiftkash app from the Google Play Store.
  2. Create an account with your phone number to receive an OTP (One Time Password).
  3. Choose the product for which you want to apply.
  4. Fill out the application correctly, then submit it.
  5. Receive Profile Approval.
  6. Have your loan disbursed into your bank account.

Safe and Secure Loan

Swiftkash makes getting a personal loan simple by using the data on your phone, including your SMS history, to verify your identity and create a credit score.

The company encrypts the data you choose to share with them to protect your privacy. Swiftkash takes privacy very seriously and promises never to share your information with third parties.

If you have any questions or concerns, Swiftkash offers world-class support for your financial needs, 24 hours a day. You can message them within the app and receive an answer in minutes.


In conclusion, Swiftkash is an excellent option for individuals and businesses in Nigeria who need quick access to personal loans without collateral, paperwork, or office visits.

With easy access through the mobile app, fast approval times, and flexible repayment terms, Swiftkash provides a convenient and hassle-free lending experience.

The use of machine learning algorithms ensures quick evaluation of loan applications, and the company’s commitment to privacy and security gives borrowers peace of mind.

If you meet the eligibility criteria, Swiftkash could be an excellent choice for your next personal loan.

All rights reserved. Do not copy, rewrite or republish this content, in part or in whole, without proper credit to the source.

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About the Author: Femi Olawole

Femi Olawole is a seasoned blogger with interest on providing helpful Contents on online loan apps, Tech and Business.


  1. I have been app applying for a loan for about a week now and it keeps saying profile not approved,how can I proceed from here

    1. I formatted my phone afterward I was unable to download Swiftkash app up till now. Please what can I do to continue using the app

  2. I request for a loan 27000 u send 19500 to my account is don’t own u anymoney again av send u ur money back imidiatly

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