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(opens in a new tab)Ncash
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Go to Website (opens in a new tab)About Ncash
NCash is a Nigerian digital lending (loan app) platform operated by OTP Internet Technology Limited, offering instant personal loans through a mobile application. It provides short-term unsecured loans to individuals who need quick access to cash for emergencies, bills, or small business needs. The platform is fully digital and uses an automated credit assessment system (based on BVN, income data, and phone/device information) to determine eligibility and approve loans within minutes. NCash is widely categorized as a fintech-style micro-lending app, not a bank.
Amount
₦1,000 - ₦100,000
Tenor
91 - 120 days
Min. approval time
24 hrs
Countries
Created on
May 2026
Last updated
May 2026
Requirements
The basic requirements to apply for a loan on Ncash include:
- • Valid ID: National ID, voter’s card, driver’s license, or passport.
- • BVN: Required for identity verification and credit scoring.
- • Active Phone Number: Used for registration and verification.
- • Bank Account: Required for loan disbursement and repayment.
- • Proof of Income (optional): May improve approval chances.
- • Android Smartphone: Required to access the NCash app (mainly Android-based).
- • Age Requirement: Must be at least 18 years old.
- • Credit Assessment Approval: Eligibility depends on internal risk scoring and repayment history.
How to Apply
To apply for a loan with Ncash, visit the lender's website and click on "Get Started." If you meet the eligibility criteria and agree with the terms, complete and submit the online application form.
Alternatively, you can download the lender's app on Google Play Store.
This lender claims it can approve applications on the same day they are submitted and disburse funds within 24 to 72 hrs.
Contact
Website
