| Interest Rate | 45% |
| Duration | 7 days |
| Access Level | Public |
| Company Name | 9Credit |
| Phone 1 | |
| Phone 2 | |
| Website or Store | https://www.9moni.com |
| Address | |
| Category | Dangerous Loan |
| Company Email | goodluck20190523@gmail.com |
| Views | 1,612 |
COMPANY PROFILE
9Credit is a digital loan app that offers quick, convenient, and secure loans to eligible individuals in Nigeria. Our aim is to provide financial support to individuals who are in need of quick cash to meet their financial obligations. With 9Credit, you can access loans from the comfort of your home, without having to go through a lengthy and complicated loan process.
ABOUT US
At 9Credit, we believe in making the loan process simple, accessible, and secure for everyone. Our team is composed of financial experts and tech enthusiasts who are passionate about providing financial solutions to help people meet their needs. We understand that life can be unpredictable and that people need quick access to loans to solve unexpected financial emergencies. That's why we've created 9Credit - to make getting a loan as simple as possible.
COMPANY SERVICES
At 9Credit, we offer quick and easy personal loans to eligible individuals. Our loans range from NGN 3,000 to NGN 100,000 and have a tenure of 62 to 120 days. Our loans come with a low interest rate of 0.07% per day, which translates to 25.55% per annum. The processing fee for our loans ranges from NGN 90 to NGN 2,000, and the GST for our loans is 18% of the processing fee, in accordance with the policy and laws. The Annual Percentage Rate (APR) for our loans is up to 74.2%, including the interest, processing fee, and GST.
OUR MISSION
Our mission is to provide quick and secure loans to individuals who are in need of financial support. We aim to make the loan process simple, accessible, and convenient for everyone, regardless of their financial background. Our goal is to help individuals meet their financial obligations and provide them with a peace of mind.
OUR VISION
Our vision is to be the leading digital loan app in Nigeria, providing financial solutions that meet the needs of individuals. We aim to create a world where everyone has access to quick and secure loans to meet their financial obligations. We believe that everyone deserves a chance to achieve their financial goals, and we aim to make this possible through 9Credit.
OUR CORE VALUES At 9Credit, our core values are centered on providing excellent customer service, being a cooperative partner, ease of use, security, and providing instant loans. We believe in putting our customers first and providing them with the best possible experience when it comes to loans. Our goal is to make the loan process as simple as possible and to provide our customers with the financial support they need.
EXCELLENT CUSTOMER SERVICE
At 9Credit, we believe that excellent customer service is the key to success. We understand that getting a loan can be a stressful process, and we aim to make it as simple as possible for our customers. Our customer support team is available 24/7 to assist our customers with any questions or concerns they may have. We believe in providing a seamless customer experience, and we will always go the extra mile to ensure that our customers are satisfied with our services.
COOPERATIVE PARTNER
At 9Credit, we believe in being a cooperative partner to our customers. We understand that everyone's financial situation is unique, and we aim to work with our customers to find the best loan solution for their needs. Our goal is to provide financial support that meets the needs of our customers and helps them achieve their financial goals.
EASE OF USE
At 9Credit, we believe that getting a loan should be as simple as possible. That's why we've designed our app to be user-friendly and easy to use. With 9Credit, you can apply for a loan in just minutes.
Expert Counsel
Let's address 9Credit and its operations. To begin, it's essential to understand that regardless of the loan amount provided, repayment must occur within a maximum period of 7 days, as their repayment tenure does not exceed this timeframe.
Moreover, instead of directly contacting you about outstanding debts, 9Credit opts to send SMS notifications to your contacts, informing them of your indebtedness. Additionally, if you fail to meet repayment deadlines, they resort to sending disparaging messages via WhatsApp to your contacts, starting as soon as one day after the due date.
Typically, their repayment plans span from 6 to 14 days, presenting challenges for borrowers in meeting their financial obligations. Adding to the burden is the high overdue interest rate, ranging between 5% to 7% per day, which can quickly escalate your debt.
It's important to refrain from repaying them once they resort to defaming you, as this only serves to enrich them. Despite being unlicensed loan apps, 9Credit and similar services lack legal authority. Their primary recourse is to tarnish your reputation.
Attempting to borrow from other loan apps to repay 9Credit only worsens your financial situation. Given their multiple apps available on mobile app stores, borrowing from another source may inadvertently lead to borrowing from them again, plunging you into further debt.
Consider installing Truecaller on your mobile device to identify and block their calls, providing a measure of protection. Additionally, blocking them on WhatsApp and reporting their activities directly on WhatsApp and Google Play Store can serve as deterrents.
Ultimately, the most effective solution to break free from the grip of loan sharks like 9Credit is to cease borrowing altogether. By taking control of your finances and avoiding further indebtedness, you can safeguard your financial well-being in the long run.
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Reviews
Mr Ekponoimo (9Credit)- 1/25/2025
- Mr. (9Credit)
Stay away from this loan sharks
- 11/22/2024
- Defamation of my character (9Credit)
I was told my picture will be sent to where I work and they have been calling and saying hurtful words.
- 6/29/2024
- Agent message to users
All your family ww rougt in jail if u doint pay back our money and w are going to post all your picture on social median
- 6/10/2024
- Agent message to users
All your family ww rougt in jail if u doint pay back our money and w are going to post all your picture on social median
- 6/10/2024
- Agent message to users
*NOTE: DO NOT PAY INTO STERLING AND FIDELITY b n k!!!*
*NC EMMERGENCY!! This is 5PM already: SMS has been programmed/activated to be BROADCASTED to at least 10 of your contacts now. Your contacts will receive messages if we don't get your payment at the agreed time by 8pm.* There is no need to WARN YOU AGAIN. Your noncompliance mean we should go ahead with our action, YOUR fund DUE TIME IS UP!!! PAY YOUR fund NOW!!! *NC WILL NOT BE HELD RESPONSIBLE FOR ANY DAMAGE THAT WILL ARISE SOONER THAN YOU EXPECT.* You will have your self to blame after this action. WATCH OUT!!!! This Action is not Timed!...It will come unexpectedly. Avoid it! *PAY INTO THE MONNIFY Moniepoint Microfinance OR WEMA b n k ACCOUNT DISPLAYED UNDER THE USSD TRANSFER REPAYMENT OPTION PROVIDED ON THE APP OR CALL 09153276636 for details.*
- 3/31/2024
- Useless set of people (9Credit) (9Credit)
On my due date they have started harassing me and my contact
- 3/30/2024
- 9Credit
It's fast .. but I didn't get any loan disbursement after even binding my card and got debited....it's unfair
- 3/24/2023
- 9Credit
It a fast and reliable loan but make dem try and increase the loan amount a bit , thank you
- 3/23/2023
- 9Credit
9credit is fair loan app, there processing is fast and easy to fill, but what makes me call it fair and rate it 4 star is that, 1. every loan duration is 7 days, no matter how much it is. 2. Despite the fact that I pay early you don't increase the offer as desire. 3. You started with very low offer it's not encouraging at all
- 3/23/2023
- 9Credit
This app is not good at all imagine collecting all my data information and telling me to bind card since 4 days now just because of 3000, other network who borrow people 20k never as me to bind my card up till now I don't like the app at all I have removed it from my phone thanks
- 3/20/2023
- 9Credit
RUN FROM THIS APP!!! I really wish I could give this app a 0 rating because they have little regard for users' privacy, this app should be removed from play store. I borrowed 3,000 naira from these unfortunate folks, and the day before the loan is due, they sent out a broadcast with my full name and photo to all of my contacts! What unfortunate individuals you are! I also unauthorized deductions from the linked card. I repeat, this app should be brought dow!!!!
- 3/19/2023
- 9Credit
It's nice but try to increase your credit limits based on people's purpose. The credit limit given to me cannot serve my purpose actually
- 3/18/2023
- 9Credit
This is very good app so far. Their registration is very easy and fast. I give you 5stars for this
- 3/18/2023
- 9Credit
Very good for surport in a place of no help but the requirements are too much.
- 3/17/2023
- 9Credit
It's ok,but loan amount is and high interest rate
- 3/16/2023
- 9Credit
Excellent app but the withdrawal process sucks
- 3/15/2023
- 9Credit
The amount given out at first stage is too small.... First time of use though..... Very fast and easy registration 🌟🌟🌟
- 3/14/2023
- 9Credit
I found it very difficult to withdraw the loan i applied on on dashboard ,after submitted ,i was directed to take my selfie picture ,but i did and submit it,still yet i can't withdraw the money .
- 3/13/2023
- 9Credit
This App is the worst app ever, is so annoying borrow and when the due date reaches and you haven't paid they will contact all your contacts list🤬that same day, telling them that you took a loan from them and doesn't want to pay back and they should reach out to you to repay your loan. Such a very foolish company policy Please my people don't try to collect any loan from this useless App🤬🤬🤬😡😡👍
- 3/13/2023
- 9Credit
loan servicing is the worst I have ever came across aswear, after provide all the details you require they still don't disbursed the loan you approve to me, anyway how can I disactivate my account on this useless app
- 3/12/2023
- 9Credit
This app is rubbish I requested for loan since yesterday up till now they didn't disburse anything to my account,and the days us counting already
- 3/8/2023
- 9Credit
The first loan is low, disburse is slow but the interest is very low compare to other loan app and the repayment period is long. Jus work on the disbursement thats y am giving 4stars
- 3/3/2023
- 9Credit
Good and easy to assess loan app,but interest is too high,days of repayment is too small
- 3/1/2023
- 9Credit
Registration is simple. Fast in disbursement
- 2/28/2023
- 9Credit
Great experience but still need work done of the repayment plan. I think it's too long for a little amount
- 2/28/2023
- 9Credit
Cool and smooth but initial amount is small, though the interest is okay. I recommend if the amount is increased subsequently.
- 2/22/2023
- 9Credit
I like the app only that the amount is small.. But it's good for a start
- 2/10/2023
- 9Credit
The app is filled with problems, you just suffer with it and don't achieve anything, registration is a problem from start to finish, that is if you can get to the finishing point. Picture upload never works, it's always "make sure you have a very strong network, and yet, with the weak network all apps on my phone are working.
- 1/16/2023
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