BLACKCOPPER SERVICE LIMITED

Interest Rate	21%
Duration	30 days
Access Level	Public
Company Name	Blackcopper
Phone 1	+234 70(3) 410 0931
Phone 2
Website or Store	https://blackcopper.io/
Address	Plot 19 Dr. S. Ezekuse Cl, Lekki Phase 1 105102, Lekki, Lagos
Category	Mild Loan
Company Email	engineering@blackcopper.io
Views	1,808

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 BLACKCOPPER SERVICE LIMITED

Blackcopper:

Interest Rate

At Blackcopper, we believe in fair and transparent lending practices. Our interest rates are competitive and are determined based on factors such as the loan amount and duration. We ensure that our customers have a clear understanding of the interest rates and all other terms before they proceed with their loan application.

Company Profile

Blackcopper is a leading loan app company that provides safe and reliable instant loans in Nigeria. With a strong commitment to customer satisfaction and financial empowerment, we have become a trusted name in the lending industry. Our user-friendly app and secure platform make it convenient for individuals to access the funds they need quickly.

About Us

Blackcopper is dedicated to addressing the financial needs of Nigerians by providing convenient and accessible loan solutions. We understand the challenges people face when it comes to securing funds for emergencies or fulfilling their dreams, and we strive to offer a seamless borrowing experience. Our team of financial experts and technology enthusiasts work tirelessly to deliver innovative solutions that cater to our customers' needs.

Company Services

At Blackcopper, we offer a wide range of services to meet the diverse financial requirements of our customers. Our loan app provides instant personal loans, enabling individuals to access funds quickly and conveniently from the comfort of their mobile devices. We offer flexible loan amounts and repayment options, allowing borrowers to customize their loan experience based on their unique circumstances.

Our Mission

Our mission at Blackcopper is to empower Nigerians by providing safe, reliable, and easily accessible online loans. We aim to bridge the financial gap by offering instant loans that cater to the urgent needs of individuals. Through our streamlined loan application process, we strive to alleviate the stress associated with traditional lending methods and provide a user-friendly experience for our customers.

Our Vision

Our vision is to become the go-to platform for Nigerians in need of instant loans, recognized for our commitment to excellence, innovation, and customer satisfaction. We envision a future where individuals can fulfill their financial aspirations without the burden of lengthy loan approval processes or excessive documentation. Through our services, we aim to contribute to the economic growth and financial well-being of our customers.

Our Core Values

Excellent Customer Service: We prioritize the needs and satisfaction of our customers. Our dedicated support team is available to assist borrowers throughout the loan application process, ensuring a smooth and personalized experience.

Cooperative Partner: We believe in fostering strong partnerships with our customers, working together to achieve their financial goals. We provide guidance and support, helping individuals make informed decisions regarding their loans.

Ease of Use: Our user-friendly loan app is designed to make the borrowing process as simple and straightforward as possible. We continually optimize our platform to enhance convenience and accessibility for our customers.

Security: We understand the importance of data security and privacy. Blackcopper employs advanced security measures to protect the personal and financial information of our customers, ensuring a safe borrowing experience.

Instant Loans: We recognize the urgency often associated with financial needs. Through our platform, borrowers can receive instant loan approvals, enabling them to address their emergencies or seize opportunities promptly.

Safe and Reliable Online Loan App in Nigeria

Blackcopper takes great pride in providing a safe and reliable online loan app for Nigerians. We adhere to strict industry regulations and employ robust security measures to safeguard our customers' information. We prioritize the trust and confidence of our borrowers, ensuring that their financial transactions are secure and protected.

In conclusion, Blackcopper is committed to empowering Nigerians with safe, reliable, and instant loans. Through our user-friendly loan app, we aim to simplify the borrowing process and provide a seamless experience for our customers. With our competitive interest rates, excellent customer service, and commitment to security, we strive to be the trusted partner for individuals seeking financial assistance in Nigeria.

Reviews

It's always difficult to get a another immediately after payment. Every other aspect is fine
- 6/25/2023
It couldnt send money to opay wallet, palmpay and so on... And been unable to make a transfer for the past 3 weeks now and its obvious it happens everyday
- 6/23/2023
unstable app
I can't log in...I can't apply for a loan,it keep on showing something went wrong...
- 6/18/2023
Very nice app, I should have give it 5 stars but it's giving a hard time these days, after the repayment of my loan I couldn't get another again. Have contacted your customer service but nothing is done about it don't know what is happening to the app.
- 6/16/2023
The app is nice After the repayment of my loan I couldn't get another one it keeps saying something went wrong
- 6/15/2023
Logging into the platform has become a challenge recently.
- 6/13/2023
The app is very nice,but they need to improve the transfer method,cause for more than 5days now have not been able to transfer from my wallet,the fund need to be use for business,
- 6/13/2023
If you guys can't carry out inter bank transfer, you people should omits the option or improve it, since two days now I can't make any transaction and it obvious that it happens almost everyday... It's too bad, what if someone has an emergency, the app isn't reliable at all 😔😔
- 6/8/2023
The app is very nice, I like everything about the app but I want just only two major improvement. The first is that I can't be able to transfer to micro finance banks only commercial bank, I want it to be fixed. And the minimum amount to be transferred is too high I want it to be reduced
- 6/8/2023
Withdrawing your hard earn money is the most difficult thing on earth on this BLACKCOPPER GOD FORBID
- 6/2/2023