9ja Cash: Quick Online Loan App in Nigeria Without Collateral 2021

9ja Cash is a quick online loan app in Nigeria that can be found on Google Play Store and does not requiring neither collateral nor documents to obtain a loan.

It’s fast instant loan in Nigeria, and can be downloaded and applied for in minutes.


Several simple steps to get a loan:
1. Install the 9ja Cash APP;
2. Register an account;
3. Fill out your basic information and submit;
4. Apply in seconds;
5. Receive your loan straight into your bank account;
6. Increase your loan limit each time you repay your loan.


No hidden charges;
No collateral needed;
You can borrow up to NCN 300,000;
You can choose your payment tenure;
It is fast, secure, reliable and easy to use;
The app uses artificial intelligence algorithms to run credit scoring;
They also provide an instant credit decision;
They are available 24 hours, every day of the week.


Loan Amount: ₦2,0000 ~ ₦300,000
Loan Term: 91 ~ 720days
Loan interest: from 10% to 28% per annum.
Service charge: 0%.
For example:

If you apply for a loan of ₦20,000, the term is 120 days and the annual interest rate is 18%.
So the daily interest rate=18%/365=0.049%, the interest for 120 days =₦20,000×18%/365×120= ₦1184, the totally repayment=₦20,000+₦1,184= ₦21,184.


You can always contact 9ja cash loan app through the following means.
9jaCashservice@gmail.com or find us on Facebook!
Email: 9jaCashservice@gmail.com
Address: Admiralty Way, Beside Tantalizers, Providence House 105112, Lekki Phase 1, Nigeria.

You can download the 9ja Cash app on Google Play Store by clicking here.


Adedeji Adeleye
30 August 2021
No doubt 9ja cash is a top notch for all loan users. It isn’t a mistake rating you 5 stars

Robte Maddsen
30 August 2021
When I first started with the app I was very happy and satisfied with my experience. But then things took a quick turn after they decided to do an update with their app. I had borrowed and paid 9ja cash back many times before the update. After the update they made everyone reconnect their bank account and now mysteriously they claim they cannot connect to my bank account.

I mean I have used the advance option many times in the past and 9ja cash has received plenty of money from my payback tips and now all of a sudden doesn’t work. I have contacted customer service and received NO response. They did not even address the issue or rely at all. But all the meanwhile they continue to charge their monthly subscription fee and I cannot even use the service. Majorly disappointed and would not recommend 9ja cash. There are other apps that are eager to help and customer service will not ignore you if you have an issue.

nathan Brianna arthur
21 August 2021
This app was great until I ran into a problem where they took their money back on the wrong date. I took an advance of NGN75,000 and they took it back a week before it should have been due. It came out as two charges of NGN60,000 and NGN15,000.99. I didn’t have the money in my account, so both payments overdrew me and I got two NGN35 fees from my bank for the overdrafts.

I contacted customer service, and this incompetent person named Maria Brigitte responded with instructions on how to take another advance. I didn’t ask for another advance. After my reply to her email, she then responded with “if there’s not enough money in your account to repay the full advance, 9ja cash will attempt to do a partial repayment. If there’s not enough for a partial repayment, 9ja cash won’t do anything until you have enough money.” Both statements are false because there was no attempt at a partial payment, and if they did check my account before taking their money they would have seen I didn’t have the money.

I addressed that to her and stated that I expect them to reimburse me for my bank fees. She then responded that they couldn’t give me my bank fees back and that my bank “communicated and allowed the transaction to post at the time the charge was initially attempted” this is another false statement because they actually initially attempted the NGN79.99 earlier that morning on my debit card and I got an email that the charge was declined for insufficient funds. So instead they pulled it as an ACH draft in two separate payments, knowing that I did not have the funds available and knowing that I would be charged for this by my bank.

I’ve responded to that email with a request to speak to someone higher up, and am still waiting for a response. My bank should not be liable for giving me back fees that I never would have gotten if 1) I wasn’t charged on the wrong date and 2) I shouldn’t have been charged anyways according to Maria Brigitte’s contradicting information.

natalie taliyah
23 August 2021
It was working good the first two times I used it. Nothing was wrong at all same ol same ol. On the third time I went for my advance, they said it went through, I asked for the fast advance and it was supposed to hit my account in a few hours… it never hit. It took over a week to get into contact with someone and when I finally did they blamed my bank.

So I called my bank and asked and there was nothing going on with my bank at all, no hold on the money like 9ja cash app suggested. So now they are going to charge me for the advance although I never received one, plus their “tip” and they still won’t reply back to me. So they’re thieves and unreliable and I won’t take this back until I actually talk to a real person or they respect their customers better. That is messed up.


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Disclaimer: Quick Loan Arena is not a loan agency and we do not give out loan to anybody. We however provide quick loan brokerage services and seeks to educate individuals and small businesses about instant loan opportunities to help them make informed decisions.

Speak with any of our Quick Loan Consultants for more information! Call or Whatsapp +234 (0)803 385 7245.

Do remember to give us a feedback about your quick loan experience after the lending process is executed.

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