Xcrosscash

Interest Rate	47%
Duration	7 days -14 days max
Access Level	Public
Company Name	New Edge Finance
Phone 1
Phone 2
Website or Store	https://web.xcrosscash.com
Address	Unknown. Owned by New Edge Finance Limited
Category	Mild Loan
Company Email	support@xcrosscash.com
Views	8,585

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

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 Xcrosscash

Xcrosscash: Revolutionizing the Way People Access Loans

Do you find yourself in need of quick cash, but don't have the time or resources to go through the traditional loan process at a bank? Look no further, because Xcrosscash is here to offer you a new way to access loans.

Xcrosscash offers a virtual credit card that makes it easy for you to access loans anytime and anywhere. Whether you need to pay an unexpected bill or just want to make a big purchase, Xcrosscash has got you covered. With loans of up to ₦30,000 available within minutes on your mobile phone, you'll never have to worry about not having access to the cash you need when you need it.

At Xcrosscash, we offer a wide range of loan products that will satisfy the needs of most customers. Whether you're looking for a short-term loan to get you through a tough time, or a long-term loan to help you reach your financial goals, Xcrosscash has a loan option that's right for you. Our loan products are designed to meet the unique needs of each individual customer, ensuring that you get the right loan for your specific situation.

Applying for a loan with Xcrosscash is simple and straightforward. All you have to do is apply for your credit limit in minutes and get approved in no time. Our application process is quick and easy, and you won't have to worry about filling out stacks of paperwork or waiting for weeks for a response.

Once you've been approved for a loan, accessing the cash you need is just a few clicks away. Simply go to the withdrawal page, enter the amount you want to withdraw, and choose your preferred method of repayment. That's it! Your loan will be disbursed to you in no time, and you can start using the money for whatever you need.

At Xcrosscash, we understand that life can be unpredictable, and that's why we're committed to providing fast, reliable, and convenient loan services to our customers. We believe that everyone deserves access to quick cash when they need it, and we're here to make that a reality.

So if you're in need of quick cash and want to experience a new and innovative way to access loans, look no further than Xcrosscash. Our virtual credit card and mobile loan options make it easy for you to get the money you need, when you need it, without having to go through the hassle of a traditional loan process.

In conclusion, Xcrosscash is here to revolutionize the way people access loans. With our virtual credit card and mobile loan options, you'll never have to worry about not having access to the cash you need when you need it. Whether you're dealing with an unexpected expense or just want to make a big purchase, Xcrosscash has got you covered. Apply for your credit limit today and experience the convenience and ease of accessing loans with Xcrosscash.

Reviews

Loan late repayment (Xcrosscash)
I borrowed money from them but because I couldn’t meet up time they’re threatening to post me online
- 6/25/2025
They are big thieves (Xcrosscash)
I am not new to this app and I've repaid every single loan I collected from them. All of a sudden, I'm expected to repay 158k from where? I checked my bank statements, I never received the amount. Now they are claiming I have to repay the money. Imagine the nonsense
- 5/27/2025
Agent message to users
What is the meaning of all this?
Pay today
Pay everything today
Pay your complete loan
- 12/7/2024
Agent message to users
FRAUD ALERT

WANTED! WANTED!! WANTED!

SIMON OSAMWONYI with phone no:0816 702 5183

HE IS A CHRONIC THEIF, BROAD DAYLIGHT ROBBER/CRIMINAL AND A SCAMMER... AND HE IS CURRENTLY ON THE RUN WITH OUR MONEY.HE IS A FRAUDSTER WHO GOES ABOUT DUPING INNOCENT FAMILIES AND LIVES OF THEIR HARD EARNED MONEY AND PROPERTY.
CURRENTLY HE IS WANTED BY THE AUTHORITIES AND ANY BUSINESS DONE WITH HER IS AT YOUR RISK.

FROM THE INFORMATIONS GATHERED IT WAS CONCLUDED THAT THE ENTIRE FAMILY OF SIMON OSAMWONYI ARE CRIMINALS BEWARE OF THEM

*XCROSSCASH*

IN THE BOOK OF LAW IT STATES THAT ALL LOAN MIST BE PAID.
*FROM THE LEGAL TEAM*
- 4/4/2024
Xcrosscash
Always paid on time, never delayed a day. Tried applying for a week now. No response, no withdrawal, no return of messages or calls APP REMAINS UNRESPONSIVE with multiple attempts at withdrawal...
- 3/25/2023
Xcrosscash
Excellent app,easy to navigate,a good loan term. Interest should come down a little bit to encourage more business
- 3/25/2023
Xcrosscash
Sincerely this is one of the worst apps I have come in contact with. They company is just busy exploiting people with highest interest rate and denting their reputation as well. Please kindly avoid them
- 3/25/2023
Xcrosscash
Honestly, am having serious issue with this app, I want to login since yesterday, but they didn't send OTP to my number, and they are telling me that, they have sent it to my registered number, which is not true
- 3/25/2023
Xcrosscash
This app is a scam app, there system fraud, took a Loan which I paid back and I was clear but the overdue still continues, and I informed one of there staff and she told me I should not worry that it will clear later I saw credit alert when I did not apply for loan when due I paid but the overdue still continues, the funniest thing that is happening is that, they keep calling me everyday with different person to pay back my loan even with proof of payment that I did not pay back the first loan.
- 3/25/2023
Xcrosscash
First time using this app and I'm having a bad experience, I repaid my loan and the app is not clearing the dashboard. This is wickedness ooo. I will report to the Authority
- 3/25/2023
Xcrosscash
This app is good but the reason why i rated it four star is because since from yesterday it has been having some problems it has been saying no strong data and ive bought data for like three times please do something about it then i will rate it five stars
- 3/25/2023
Xcrosscash
This is so bad, I was scam on this app by one of their agent asking me to apply for a loan and sending it back to their repayment refund account that my dashboard will be cleared! This is so sad and disheartening.....
- 3/25/2023
Xcrosscash
It was fast and easy to apply a a nd get a loan, but your interest rate is a bit on the high...however, it was ok
- 3/25/2023
Xcrosscash
I downloaded the loan app very easily and application was successful. After the review, i was told my credit limit is 19200 to pay back 26900 after 14days which is too high. The problem now is that i don't want the 19200, i want 10000 but i haven't been able to reduce the 19200 to 10000, my question is, is it by force to withdraw the whole amount? I only need 10,000 that is what i can at least afford to pay back and the worst part is that the interest for 10000 is not even showing? look into it
- 3/25/2023
Xcrosscash
This is app is terrible. Just rubbish..I don't want to give you any single stars self .coz u very annoying. How can someone apply for a loan of 50,000 n the interest rate is 50%. That's the person would pay back 75,000 thousand. Applying for a loan of #70,000 to lay back #105,000. Ha u guys are wicked . N because of my compliant through ur gmail. U guys are telling me I can't apply for a loan just for no reason and it's still showing click to get a loan . I regretted applying for this app.
- 3/25/2023
Xcrosscash
This app started well, then began bumping up my charges at the very final clicks to get my loan. I ended up paying N7,000 of unplanned, ridiculous charges at the end of my last loan term. To say that I am very disappointed is a huge understatement. You guys goofed big time and lost a customer.
- 3/25/2023
Xcrosscash
Yahoo yahoo in a highest order, how can you be debiting my account every now and then, this people have debited my account more than what i suppose to repay,30,000 is my due amount, but they have debited my account more than 70k. Better check yourself and return my money or I will raise alarm. I have all the transactions, fraudulent app in a highest order.
- 3/25/2023
Xcrosscash
Can't borrow, until you pay off your outstanding debts in other platforms.. Abi na crime to dey use Easybuy phone again. I don't even have a bad credit score. I'm paying them before the due date. So I can't borrow.. mtchew
- 3/25/2023
Xcrosscash
This app is easy to use correct,they have a fix amount they want you to use u can't reduce it to what u want,than the interest rate is too high how can I collect 20k and in 28days u are adding 10305 this is very bad....it's system that determine the interest correct but who set the system human like me and u...pls let try and be fai
- 3/25/2023
Xcrosscash
This is terrible. I have repaid the loan I applied for for several hours now but yet to be reflected on the dashboard. If you call me tomorrow for overdue I won't pay it oo because I have sent the money. The customer care that sent me message on WhatsApp, I have messaged him/her, trying calling the number but didn't pick. Please reflect it before the next day.
- 3/25/2023
Xcrosscash
Instead of paying the 3 installments I paid for all in 1 installment. Received message that loan is complete but yet I still received message about loan not paid. #99000+ has been debited from my account for all payment done. Your app shows it's complete, why then am I still receiving message that debit has an issue...
- 3/25/2023
Xcrosscash
Threatening your customers is not rendering service at all. I took a loan for a month to reply I had no idea it was a 14 day 2 tenor repayment so I told the agent that called me that I'll complete the payment on the date of the second tenor and she agreed only for me to see a message like this "WE WILL NOT HESITATE IN TARNISHING YOUR IMAGE TODAY. Do you know that the permission you granted our App read your phonebook, BVN & your private chats" this is what this application is promoting.
- 3/25/2023
Xcrosscash
Hello, i made payment of 25901 for a loan i collected twice. I used my card to pay but network was not good and i went ahead and did transfer through mobile app. Latter i saw i was debited twice cos the card payment went through and the mobile transfer too went. Please i need a refund for the over payment i did. Thank you.
- 3/25/2023
Xcrosscash
This app is frustrating, I paid the balance of the loan I took from this app and I send the proof of payment, but the money is still showing on the dashboard, please clear it afterwards you've seen the proof of payment
- 3/25/2023
Xcrosscash
I've been a user on the loan app! But I must say this it's ridiculous fro whatsoever reason either being generated by system or not. If a user didn't meet up on time for repayment. For collection of #70k for two weeks you pay #25k extra for taking such facilities. After you pay installment #30k and you still the system increasing your bills it's so ridiculous & crazy I must say .. you had better work on the system increasing fees. Hence the extra will never be paid
- 3/25/2023
Xcrosscash
Just applied for a loan though my first time using this app everything was going well, till when I was asked to Link my card so that the loan will be disbursed which I did and I was debited N10 charge And till now I haven't received any credit even in the app it keeps telling me I can't apply for a loan at the moment. Please if you're not giving a loan refund my money to me and delete my account from your app
- 3/25/2023
Xcrosscash
The loan i applied for since yesterday have not been recieved and the app is showing the loan has been disbursed into my bank account. the repayment days have started counting already, pls kindly verify the situation becuase i cannot pay for loan i did not recieve. What a Complet rubish nobody is answering their customer car line since yesterday.
- 3/25/2023
Xcrosscash
Easy to use.. but please improve on the loan amount. Forcing people to get a particular amount of loan they don't want, I want lesser loan to what the app says I could get. And the interest rate is relatively high considering the time given for repayment. Just 14days and not even upto a month.
- 3/25/2023
Xcrosscash
High interest rate. Worst still, unprofessional Employees; I was getting all kinds of threats because of a day default in payment, even when I made part payment, I had to do everything I could to clear the loan and quickly uninstalled the App.
- 3/25/2023
Xcrosscash
This guys are scams and thieves. This app should be reported as illegal. After paying my loan, you still go ahead and kept adding late repayment fee on the app. Just know I'm not going to pay it, do whatever you want to. No customer care to call, the number provided is an automated response that just keeps playing music, they wont even respond to emails.
- 3/25/2023
Xcrosscash
I think this is a time waster, you fill in all your details you get credit but you can't withdraw cos there system won't bind your card... Zero stars for me
- 3/23/2023
Xcrosscash
Why am I getting a debit alert from xcross cash while I didn't do any transaction with them. As a matter of fact i had to download this app and also follow them on Instagram so i can lay my complaint
- 3/19/2023
Xcrosscash
❌❌❌❌Please run away from this app. I got a loan of 70k and paid back..only for them to automatically send me a credit alert of 70k for me to repay 94k in the next 1 week. Now responding to the developer's excuse, I have rectified it and they apologised for the mistake...and just 2 hours ago, I got debited 37k two times agin by xcross ..and I am not owing. I got credited back not quite long. Stop giving excuses for the incompetence of your company and go and work on the loopholes. Love and light
- 3/17/2023
Xcrosscash
I would easily give them 5 star because they rescued at the point everyone turned down on me at my point of most difficult situation. High interest or not. I'm glad. Thank you
- 3/16/2023
Xcrosscash
I don't understand this useless app always saying unable to bind bank card yet deducting money from all the cards i tried using to bind with. If i have my ways you deserve no star at all
- 3/14/2023
Xcrosscash
I don't understand this useless app always saying unable to bind bank card yet deducting money from all the cards i tried using to bind with. If i have my ways you deserve no star at all
- 3/14/2023