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Online Loan – Secure & Transparent Loans in Nigeria Key Features - No Collateral Required – Apply with your valid ID and bank account. - Fast Disbursement – Typically within minutes after approval; actual timing depends on bank/network availability. - Repayment Convenience – Choose plans that match your cash flow. - Limit Growth – On-time repayments may unlock higher limits. - Secure by Design – Data encrypted in transit and at rest. Loan Details - Loan Amount: ₦5,000 – ₦10,000 - Repayment Tenure: 90 – 120 days - Interest Accrual: No interest on the disbursement day; interest starts on T+1. No interest is charged on the due date, so the actual interest-accrual days are 89 - 119. - APR Range: 21.21% – 36.00% per annum (APR includes interest and all applicable fees; currently, Service Fee = 0%) - Minimum APR: 21.21% - Maximum APR: 36.00% Representative Examples - ₦10,000 for 90 days at 21.21% APR: - Interest = ₦10,000 × 21.21% ÷ 365 × (90-1） = ₦517 - Total Repayment = ₦10,000 + ₦517 = ₦10,517 (No service fee) How It Works 1. Download & Register – Sign up with your mobile number. 2. Complete Profile – Provide required details to view your limit. 3. Select Plan – Confirm amount and tenure. 4. Review & Approval – Automated checks; approval is not guaranteed. 5. Receive Funds – Disbursed to your bank account upon approval. Eligibility - Nigerian resident, 18+ - Valid mobile number & active bank account Privacy & Data - We collect only the data necessary to deliver and secure the service. - See our Privacy Policy for full details: [https://www.pactowoh.africa/#/privacy-policy-online-loan-ios] Customer Support - Phone: +234 7001239959 - Email: onlineloan.help@pactowoh.africa - Office Hours: Mon–Sat, 9:00–18:00 WAT (UTC+1) Disclaimers Loan offers are subject to eligibility checks, verification, and approval. Disbursement times may vary by bank and network availability. No hidden fees; if any fee policy changes, APRs will be updated accordingly.