To U Loan App, Legit or Scam, Customer Care

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To U Loan is a financial solution that offers eligible Nigerian residents the opportunity to access funds online, with loan amounts of up to ₦300,000 NGN.

This guide will take you through the various aspects of To U Loan, including interest rates, requirements, application process, app download, customer care, and its legitimacy.

To U Loan Interest Rate

To U Loan boasts low-interest rates, with a maximum Annual Percentage Rate (APR) capped at 30%. To calculate the interest payable, consider the following example:


  • Loan Amount: ₦20,000
  • Interest Rate: 30% per annum
  • Tenure: 180 days

After deducting the processing fee, the interest payable is as follows:

  • Interest = ₦20,000 * 30% / 365 * 180 = ₦2,958
  • Service Fee = ₦20,000 * 6% = ₦1,200

In this scenario, you would receive ₦20,000 and should repay ₦24,158 if the loan is processed.

It’s essential to note that interest rates can vary over time, so it’s crucial to confirm the interest rate on any loan offer before accepting it.


To qualify for a To U Loan, you need to meet specific requirements, which include:

  1. Age: Applicants must be a minimum of 18 years old.
  2. BVN (Bank Verification Number): You will need a valid BVN.
  3. Source of Income: Demonstrating a source of income is essential.
  4. Bank Account: A functioning bank account is necessary for loan disbursement.

How to Apply for To U Loan

Applying for a To U Loan is a straightforward process. Follow these steps:

  1. Download To U Loan App from the Play Store
  2. Create an account and complete your profile.
  3. Provide the required documents and information, including your BVN, source of income, and bank account details.
  4. Choose your desired loan amount and repayment tenure.
  5. Submit your application and wait for approval.

Note: Do not pay any fees to them upfront. More details on this below

To U Loan App Download

To U Loan offers a convenient mobile app for users. However, it’s essential to exercise caution and only download the app from official app stores such as Google Play Store.

Avoid downloading the app from unofficial sources to protect your data and security.

To U Loan Customer Care

If you have inquiries or need assistance with your To U Loan, you can contact their customer care. Here are their contact details:

  • Address: 1320 Shehu Yar’adua Way, Mabushi, Abuja, Nigeria.
  • Email:

If you can’t find the information you need, you can also reach out to To U Loan customer care through the app itself.

Is To U Loan Legit?

To U loan does not look legit or safe to use. Although the app is available on Google Play Store and its downloaded over 500,000 times, the star ratings od 2.2 is a clear indication that a lot of users weren’t happy with the loan service.

There was lots of reports of fraudulent request for security fee of over 4,000 naira and even after they got it they refused to disburse loan as agreed.

Also, their email address ( looks weird and they don’t have a phone number.

I’ll advise you to try other loan or proceed with To U loan at your own risk. If you choose to try them still, do not pay security fee or any other fees upfront.


In conclusion, To U Loan promise to offers a convenient online lending solution with competitive interest rates. By meeting the specified requirements and using the official app, you can access the financial assistance you need.

Remember to verify all terms and conditions before accepting any loan offer and use the provided contact details for assistance when necessary.

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.

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