| Interest Rate | 45% |
| Duration | 7 days |
| Access Level | Public |
| Company Name | Aibanc |
| Phone 1 | |
| Phone 2 | |
| Website or Store | https://aibanc.co/ |
| Address | |
| Category | Mild Loan |
| Company Email | support@aibanc.co |
| Views | 715 |
Aibanc
FAQ
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.
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
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 Aibanc
Interest Rate
At Aibanc, we understand that the interest rate is a crucial factor when it comes to choosing a loan provider. That's why we strive to offer competitive interest rates that are transparent and fair. Our goal is to provide our customers with affordable loan options that meet their financial needs without burdening them with exorbitant interest charges.
Company Profile
Aibanc is a leading loan app company dedicated to providing safe and reliable online lending services in Nigeria. With a focus on innovation and customer satisfaction, we leverage cutting-edge technology to offer convenient and accessible financial solutions to individuals and businesses across the country.
About Us
At Aibanc, we believe in the power of financial inclusion. We understand that accessing credit can be challenging for many people, especially those underserved by traditional financial institutions. That's why we're committed to democratizing access to credit by offering hassle-free loan products through our user-friendly mobile app.
Company Services
Aibanc offers a range of financial services tailored to meet the diverse needs of our customers. From instant loans to flexible repayment options, we strive to provide convenient and reliable solutions that empower individuals and businesses to achieve their goals. Our services include:
Instant Loans: We offer quick and easy access to cash through our online loan app, allowing customers to apply for a loan anytime, anywhere.
Flexible Repayment Options: We understand that everyone's financial situation is different. That's why we offer flexible repayment terms to accommodate our customers' needs and preferences.
Transparent Pricing: We believe in transparency and honesty when it comes to pricing. Our loan terms and conditions are clearly outlined, so customers know exactly what to expect.
Dedicated Customer Support: Our team of experienced customer service representatives is always available to assist customers with any questions or concerns they may have.
Our Mission
At Aibanc, our mission is to empower individuals and businesses with access to fast, convenient, and affordable financial solutions. We are committed to leveraging technology to bridge the gap between people and financial services, enabling greater financial inclusion and prosperity for all.
Our Vision
Our vision is to become the preferred financial partner for individuals and businesses in Nigeria, known for our commitment to excellence, innovation, and customer satisfaction. We aspire to be a trusted source of financial support and guidance, helping our customers achieve their goals and aspirations.
Our Core Values
Excellent Customer Service: We prioritize the needs and satisfaction of our customers above all else, striving to deliver exceptional service at every touchpoint.
Cooperative Partner: We believe in building strong partnerships with our customers, working collaboratively to achieve mutual success and prosperity.
Ease of Use: We are dedicated to making the lending process as simple and straightforward as possible, ensuring that our services are accessible to all.
Security: We take the security and privacy of our customers' personal and financial information seriously, implementing robust measures to safeguard their data and protect against fraud.
Instant Loans
Aibanc offers instant loans to help individuals and businesses access the funds they need quickly and conveniently. With our streamlined application process and fast approval times, customers can receive their loan funds within minutes, allowing them to address urgent financial needs without delay.
Safe and Reliable Online Loan App in Nigeria
At Aibanc, we understand the importance of security when it comes to online financial transactions. That's why we've implemented state-of-the-art security measures to protect our customers' information and ensure a safe and reliable borrowing experience. With Aibanc, you can trust that your personal and financial data are in good hands, giving you peace of mind as you manage your finances with confidence
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