9Money

Interest Rate	46%
Duration	7 days
Access Level	Public
Company Name	9Money
Phone 1
Phone 2
Website or Store	http://www.9-money.com/
Address
Category	Dangerous Loan
Company Email	office@9-money.com
Views	2,649

FAQ

Can I still pay them if they defame me?

Once a loan app has defamed you — by sharing your information, contacting your friends, or posting false claims — they have violated your privacy and broken the law. At that point, the agreement between you and them is already compromised.

You should report them to the FCCPC, CBN, and NDIC or any agencies in your country instead of paying. Paying them after such illegal behavior only encourages their abuse and gives them more power to exploit others.

Can loan apps post my pictures on social media?

You should not worry about loan apps threatening to post your picture on social media. If you check their accounts, you’ll notice most of them have fewer than 100 followers. This means they are mainly circulating your picture among themselves just to instill fear in you. Never pay a dime if any loan app posts your picture online; they are actually the ones owing you, not the other way around. Instead, report the account to the appropriate social media platform, and it will likely be closed down.

Can they auto-debit my account?

If you linked (bound) your ATM card during registration with a loan app, they can automatically debit your account. To prevent this, you should go to your bank, block the card, and request a new one.

For fully licensed Microfinance Banks that may use the Global Standing Instruction (GSI) or place a lien on your account, the safest option is to move your money to another bank account that has never been registered with loan apps. This will stop them from debiting your funds.

Can they come to my house or office to arrest me?

99% of loan apps cannot come to your house or office because most of them operate illegally and have no legal right to pursue you physically. Only fully licensed and approved Microfinance Banks with a registered office address and reputation as a legitimate financial institution can pay you a friendly visit, but never to arrest you.

Borrowing is a civil matter, not a criminal case. That means you cannot be arrested simply because you owe money. If any licensed microfinance bank tries to harass or threaten you, please contact us immediately—we will take the right steps to deal with them.

As for loan apps, they cannot legally come to your house or office to arrest you.

Can this loan app defame me?

Yes and No, a loan app can defame you, but it usually depends on where you downloaded the app from and what permissions you gave it.

If you downloaded the app outside the Play Store or App Store (for example, from a direct link or third-party site), it’s very likely the app will misuse your information. Many of those apps are not properly regulated.
How they access your contacts:

Loan apps need Contact permission to copy your phone contacts.
They also sometimes request Call log permission, which allows them to see your dialed, received, and missed calls—but not your full contact list.

If you used the app before 2023:

Before 2023, many loan apps could freely access contacts because the rules were not strict.
From 2023 onward, Google Play Store and Apple App Store introduced policies that restrict apps from accessing contacts and call logs unless it’s absolutely necessary.

Can this Loan App Hack my Account

An app itself can’t magically “hack” your bank account, but a malicious loan app can steal your data or enable attacks that give criminals access — so treat them as potentially dangerous. Never download apps outside Play Store or App Store

Can you categorize this Loan Apps as a good loan apps?

Any loan app that charges above 7% per month and does not allow repayment to be spread across 3 to 6 months is a criminal organization. Stay away from them—they will ruin you financially

Do I need to Generate Disclaimer for this Loan App

You only need to generate a disclaimer if the loan apps have access to your contacts or if they are not licensed. To know whether a loan app is likely to defame you, check the permissions it has on your device. If it has access to your contacts or call logs, and it is not a licensed or approved agency such as the Central Bank, then you need to send a disclaimer.

Do you suggest I fight back against this loan app if they send abusive messages?

Yes — fight back. They prey on fear; pressure and exposure make predatory loan apps back down. Upload all their messages and evidence to our platform immediately — we are working to sue them. They’ll often flee once they’re documented and reported.

Explain How Credit Bureau Works

How a malicious loan app can compromise your details

Phishing / social engineering: tricking you into giving OTPs, passwords, or BVN details.

Permission abuse: access to SMS, contacts, call logs, or accessibility services can let an app read OTPs or intercept communications.

Fake login pages/overlay attacks: an app may show a fraudulent screen that captures your bank credentials.

Malware/keyloggers: Some apps can record taps or keystrokes if they get high-level permissions.

Linking to compromised websites: clicking links can download malware or steal details.

Never share OTPs, BVN, or passwords with anyone.

Don’t grant Accessibility or SMS-read permissions to untrusted apps.

Install apps only from official stores and check reviews/permissions.

How do I get rid of their daily messages and calls?

To stop their frequent calls, you can install Truecaller, upgrade to Premium, and use the Block Spam Calls feature. This will automatically filter out most unwanted numbers. (Check the video below for step-by-step details.)

For WhatsApp calls and messages, fight back smartly: never listen to their voice notes or read their messages. Instead, use the response strategy in the link below to reply safely. When you push back confidently, scammers usually give up and flee.

https://loansharkreview.com/MessageTemplate

I received several emails from loan apps claiming to be from the court and other agencies. What should I do?

Most of the emails you receive from loan apps are fake and meant to scare you. What you should do is verify the authenticity of the message — check if it is truly coming from a genuine government or legal agency. If the email is not from an official source, simply ignore it or reply that they are impersonating an authority and that their account has been reported to the appropriate body.

No loan app can sue you in court because most of them operate in clear violation of existing financial and data protection laws. And if any of them attempts such action, our legal team is fully prepared to represent you. In the past seven years, not a single loan app has successfully taken any borrower to court.

They sent a message to me that they will block my BVN. Is it possible?

Loan apps do not have the authority or technical access to block your BVN. Only the Central Bank of Nigeria (CBN) or your bank can restrict or blacklist a BVN, and that only happens in cases involving serious fraud or court orders.

Any loan app threatening to block your BVN is simply trying to intimidate you. It’s a scare tactic, not a legitimate action

Will this loan apps report me to the Credit Bureau?

In most cases, 90% of loan apps cannot report you to the Credit Bureau. This is because many of them are not licensed financial institutions or they charge exorbitant interest rates that violate government policies.

However, fully licensed and approved microfinance banks can report you to the Credit Bureau. Even when they do, they usually report only the actual amount you borrowed and the original agreed interest — not the inflated charges or penalties. If you notice incorrect information in your credit report, you have the right to contest it with the Credit Bureau and request correction.

About 9Money

COMPANY PROFILE

9Money is a digital loan company that operates in Nigeria. We strive to provide a fast, convenient, and secure way for individuals to access loans. Our aim is to provide access to credit to everyone who needs it and help them achieve their financial goals.

ABOUT US 9Money was founded with the aim of revolutionizing the loan industry. Our team is made up of finance and technology experts who are passionate about making a difference in the lives of our customers. Our goal is to provide access to credit to people who need it, regardless of their credit history, and help them achieve their financial goals.

COMPANY SERVICES 9Money provides instant loans to individuals in Nigeria. Our loan application process is quick and simple, and our customers can receive their loan within minutes of approval. We also offer flexible loan terms, with a loan duration of 91 days to 365 days.

OUR MISSION Our mission is to provide access to credit to everyone who needs it and help them achieve their financial goals. We believe that everyone deserves the opportunity to access credit, regardless of their credit history, and we are committed to making that possible through our digital platform.

OUR VISION Our vision is to be the leading digital loan company in Nigeria, providing access to credit to everyone who needs it. We aim to be the trusted partner of choice for individuals seeking a fast, convenient, and secure loan solution.

OUR CORE VALUES At 9Money, our core values are excellence, integrity, and innovation. We believe in providing excellent customer service, operating with integrity, and continuously innovating to meet the needs of our customers.

EXCELLENT CUSTOMER SERVICE At 9Money, we believe that customer satisfaction is key to our success. Our goal is to provide a seamless experience for our customers, and we are committed to providing them with the best possible customer service. Whether it's through our app or through our customer support team, we are always here to help.

COOPERATIVE PARTNER 9Money is committed to being a cooperative partner for our customers. We understand the importance of having a reliable and trustworthy loan provider, and we strive to be that partner for our customers. We believe in working together with our customers to help them achieve their financial goals.

EASE OF USE Our loan application process is designed to be quick, simple, and user-friendly. We believe that everyone should have access to credit, regardless of their level of technical expertise, and we have designed our platform to be as accessible as possible.

SECURITY We take the security of our customers' information very seriously. We use state-of-the-art security protocols to ensure that our customers' information is safe and secure.

INSTANT LOANS At 9Money, we believe that time is money. That's why we offer instant loans, with approval and disbursement taking place within minutes. We believe that everyone should have access to credit when they need it, and our instant loan solution makes that possible.

WHAT WE OFFER At 9Money, we offer instant loans to individuals in Nigeria. Our loan application process is quick and simple, and our customers can receive their loan within minutes of approval. We also offer flexible loan terms, with a loan duration of 91 days to 365 days, and low interest rates. Whether you need a loan for an emergency, or to finance a big purchase, 9Money has you covered.

Reviews

Don't let them intimidate you ( 9Money)
All this illegal loan apps have a tactics, to shout blackmail and curse, the first few days of your loan deferment they will start with serious harassing and threats, then after weeks it reduces. One even threatened to call my family when I asked him to show him my family contacts to proof he has them (I was scared) but he called two names, this names where people i added as colleagues during registration other than that they didn't have any other that's because I don't have any contacts on the SIM I borrowed loan from the contact they have was what I gave them.. I used to be afraid of them before until I joined a loan counselling platform and I became healed mentally.

back then I collected money from a friend to settle loan app and it affected our relationship till today even though I paid him back although it took a long time. The first thing you will do, for your mental health is stop attending to their calls and messages. Report and block, don't beg and argue, just report and block. That's how you will heal. Trust me this guy's are master's in the game they'll frustrate you with threats that's the limit of their power. If you're the type that we'll pick their calls or reply their messages then you're a gonner.

If you're the type they reached out to your contacts already, then you're of the advantage self. "Who naked no the chook hand for pocket". You choose how and when you will pay them any of your contacts that won't help you to pay should not stress you, so just tell dem to ignore the agents that's all

Lastly, it's better to be embarrassed and get calls than to go seek another loan to upset loan sharks, its a no no pls.

Don't collect loan to gamble, don't collect loan to flex, don't collect loan to pay loan, avoid to collect a short term loan when you are not earning or don't know a means to repay back

I recommend migo, branch to collect your loans. They don't add daily fee if you defer and they don't defame.. God bless you. This one too shall pass. Fear not.
- 11/21/2024
How to avoid embarrassment from loan apps ( 9Money)
An agent from 9money enter my DM and give you a juicy offer and a long payment plan, only for you to fall for it and collect 150k and pay 195k in 7 days. I found myself panicking and collecting loans from several apps (Tloan, Nicenaira ) to meet up until I was overwhelmed.

So the reason why must of this loan apps don't follow due process to register and confirm customers is because they're illegal. I figured out that they can only defame you if you give them the opportunity to. Although I won't advice this but there is a way to go about this if you a loan and can't meet up to their nasty deadline without any defamation From them.

The long payment plan is scam used to lure people to collect their loan...

This is what I did to avoid them harassing my contacts and me

1. You need two smart phones.
2. First back up your contacts that are saved on your SIM card attached to your bvn and account numbers.. back them up either as document or on Google (make sure it is backed up). This is to avoid loan apps to get access to your information or contacts.

2. Delete all contacts on that SIM(don't worry you have already backed them up, you will use your main phone to do your personal stuff).

3. On your second smart phone, make sure you don't have any personal details that will implicate you Including your pictures or contracts back up and delete everything. The Only thing you will need inside that second phone is your bvn SIM and a dummy Google account that you will use to download this apps if it's on play stores, if it's not then you can download the app.

3. When you download the app either 9money, register with your BVN SIM and put your account number.
During registration, they'll ask you about adding your next of kin details, put fake numbers.
Once you are done with registration, you Will be qualified for a loan.

Also go to the app settings and restrict them from accessing anything on your phone.

4. Collect what you can pay back at your convenience don't be greedy. They can't access your contacts because you will not have them in your SIM or that phone since it's empty.. all your contacts will be on that your main phone..

NOTE: IF YOUR BVN SIM IS CONNECTED TO WHAT'SAPP, YOU WILL GET CALLS AND MESSAGES WITH PREWRITTEN TEXT. DON'T FALL FOR IT JUST KEEP BLOCKING THEM TILL YOU CAN PAY BACK.

DOWNLOAD TRUECALLER APP TO STOP SPAM CALLS, AND DON'T FORGET TO REPORT THEM.

LASTLY. THIS METHOD IS TO PREVENT THEM FROM HARASSING YOU UNTIL YOU PAY BACK.. NOT FOR ANYTHING ELSE.

AVOID LOAN!! IT'LL WILL MESS WITH YOUR MENTAL HEALTH, IT IS DEMONIC AND EVIL
- 11/18/2024
Agent message to users
FROM 9MONEY APP
We strongly believe that we have been fair enough to you and your obligations. This is given your inability and incessant excuses towards your payment after loan and advancement had being placed. You have the right to dispute this letter by responding WITH PROOF OF PAYMENT. If you do not dispute this letter within the allocated time we will contact your guarantors and your entire contacts giving your willingness and unintentionally to take what does not belong to you and defrauded Company. Your details will be submitted to our external debt collectors YOUR PUBLIC ENGAGEMENT PREPARED AND BEGIN.
9MONEY
- 10/10/2024
Agent message to users
9MONEY LOAN
WE HAVE WARNED YOU BUT NO POSITIVE RESULTS. ANY ACTION TAKEN FROM NOW ON, YOU ARE SOLELY RESPONSIBLE. CONTINUE TO TAKE US FOR GRANTED. KINDLY PAY YOUR LOAN TODAY TO AVOID UNPLEASANT CIRCUMSTANCES...

WE WILL NOT SPARE YOU ANY FURTHER...ACT RESPONSIBLY AND MAKE PAYMENT TODAY.
- 10/10/2024
-9Money
an agent sent me an account number to pay into and its same account number in the app after making payment I sent evidence to him for 2hours now my loan is not cleared and am still receiving treat messages from them. very stupid organization
- 4/10/2023
-9Money
I tried paying back my loan this morning on their platform through paystack and they deducted my 42,900 meanwhile my repayment is just 13k. These people are thieves
- 4/8/2023
-9Money
They are not nice at all, after decieving me by sending me text to apply, downloading your app,wasting time & data they are telling me to apply in a week time.
- 4/8/2023
-9Money
I apply for loan since last week and they send me disbursed message and the money is not enter into my account, and they are telling me repay am trying to reach you but unfortunately your number is busy
- 4/6/2023
-9Money
customer care number is off and mail is invalid
- 4/4/2023
-9Money
Please to dont waste your data and time on this useless app,after filling all my details it say my account is invalid, account i ha e been using before you create this app useless people
- 4/3/2023
-9Money
it is so annoying that I payedback my loan for 3 days now through my bank. yet am still seeing the loaned amount still there. which I have payed through the account on the app. and they are still sending me messages of paying back a loan I payed back since 2 days now
- 4/3/2023
-9Money
This app it's seems like scam,because I downloaded the and request for loan,they don't send it,to my account and I don't see message, but when I just want to make request for loan am seeing 6500 and due date on it.and I didn't see disbursement message.
- 3/23/2023
-9Money
The most useless set of people. They have irresponsible workers and their app is nothing to write about. They infringe on people's privacy even when your money is not due ... they will send broadcast to your contact. . I will recommend that people should not use them ....VERY USELESS
- 3/16/2023
-9Money
Scammers. Foolish people. They have nothing to offer than deceiving wit fake amount of money. And u won't be able to reapply even after paying off the first loan. I reapplied immediately I paid off the previous debt 2days before the expiring date. Dey refused to give me bak? Dat I can't access a loan again. Stupid people. Even with high charges
- 3/6/2023
-9Money
Have never seen this kind app that you can't get otp for more than an hour I really regret downloading it.
- 2/26/2023
-9Money
This app is a stupid app ,they charge 50% of the amount they credited you in lesa than 7days and did not credit someone the amount they are supposed to credit someone , worsthest app ever
- 2/22/2023
-9Money
It wasnt made clear the interest ill be paying. You guys didnt let me know that you wont be sending 7,500 but 5250.. Why will i pay 2,250 in just 7 days for a small loan of 7,500.. The loan agreement page refuse clicking and opening.
- 2/18/2023
-9Money
I applied and fill all the decuments requested.and jokely i was approved (#3,000) only three thousand naira.what the hell of an app?and at last and the worst it says;request rejected.why???
- 2/17/2023
-9Money
I applied and fill all the decuments requested.and jokely i was approved (#3,000) only three thousand naira.what the hell of an app?and at last and the worst it says;request rejected.why???
- 2/17/2023
-9Money
I have paid off my loan of 3000 which was supposed to be due on 11 of April yesterday April 9 since in the morning but up till now is still showing repay ur loan, because it has not been cleared off .
- 2/10/2023
-9Money
Rubbish loan app. 35% of of the money you borrowed for service charge only. Sure, it's other way to scam. Don't bother to download this app
- 2/8/2023
-9Money
This is most useless finance app on play store, google needs to delete it from their server, they are so much fraudulent, either they won't give you any loan but expect you to repay what was not given to you or they won't give you the supposed amount they claim they'll give and still require you to pay what was not given to you. Never mind the numerous good appraisals you see, they are all the same people who are trying to deceive people towards believing that this app is good
- 1/30/2023
-9Money
Could they be any useless loan app like this one? After I return the 2600 that was sent to me out 4k on the same day ,they aee still sending me a message to make a repayment? Repayment for what I didn't accept the loan or the money sent that was why I returned it to the compan acct via transfer.i sent a prove through email and on WhatsApp an agent acknowledge.today am getting a message to make a payment they are not serious for busuness
- 1/27/2023
-9Money
app is day light robbery, 1st time I try to get a loan I requested for 13k I was disburse 9k within 7days.
- 1/20/2023
-9Money
FAKE APP! After collecting my personal details, and offering to give me more than enough money, it made me fill out the same information three times, then flashed a message too fast to read, starting with "apply in a week!" IF YOU DON'T HAVE ANY MONEY, YOU CANNOT DO BUSINESS!
- 1/6/2023
-9Money
The App has been misbehaving too much lately. They should look into it and correct the wrong programming in it. Once you click to confirm the given amount, a pop-up shows...saying "please select a valid amount". So what's that? Do we select a figure on our own???
- 1/3/2023