Urgent Money Ultra,

The primary app identified is Urgent Money Ultra, developed by De Fintek Nigeria Investment Limited, operating in Nigeria.

Key Details at a Glance

Loan Terms & Conditions

Loan Amount: ₦5,000 to ₦300,000 Nigerian Naira

Repayment Period: 90 to 180 days

Annual Percentage Rate (APR): 15% to 24%

Daily Interest Rate: Approximately 0.041% to 0.0685%

Collateral: No collateral or guarantor required (unsecured loans)

How It Works

Urgent Money Ultra offers two loan options—personal loans and payday loans. Based on your credit profile assessment, an appropriate method is recommended.

Application Process:

Download the Urgent Money Ultra app

Register with your mobile number

Complete the online form with basic information

Submit your request for approval

Upon approval, funds are disbursed directly to your bank account

Eligibility Criteria

Nigerian citizen

Minimum 20 years of age

Resident of Nigeria

Valid ID card

Bank card linked for disbursement

Security & Privacy

The platform claims to employ multiple encryption technologies to ensure user privacy and financial data security.

Contact Information

Address: 29/31 Awolowo Way, Ikeja, Lagos State, Nigeria

Email: Urgentmoneyultra@gmail.com

Important Warning: Rogue App Alert

CRITICAL: A loan app named "Urgent money" (without "Ultra") has been BLACKLISTED as a rogue application.

According to the Cyber Security Authority (CSA), over 40 "rogue" loan apps have been identified for engaging in illegal and unethical practices. Among these blacklisted apps is "Urgent money".

Risks Associated with the Blacklisted Version

Between January and May 2025 alone, authorities received 377 reports of abuse from such apps, compared to 228 cases in all of 2024. Victims report:

Harassment and intimidation for payment recovery

Blackmail using personal information

Threats of defamation

Data breaches including private photos and contact lists leaked to third parties

Unauthorized access to phone data to shame and coerce repayment

⚠️ The CSA has explicitly warned: "These apps operate without legal backing and often disregard consumer protection laws. Engaging with them exposes users to serious risks, including data breaches, harassment, and financial loss."

Short FAQs

1. Is Urgent Money Ultra a legitimate loan app?

Urgent Money Ultra appears to be a legitimate registered app in Nigeria by De Fintek Nigeria Investment Limited. However, users should be cautious as a separate app named "Urgent money" has been blacklisted by authorities.

2. How much can I borrow from Urgent Money Ultra?

You can borrow between ₦5,000 and ₦300,000 Nigerian Naira, with repayment periods of 90 to 180 days.

3. What is the interest rate?

The APR ranges from 15% to 24%, with daily interest rates between approximately 0.041% and 0.0685%. There are no additional fees beyond interest charges.

4. Do I need collateral?

No, these are unsecured loans that do not require collateral or a guarantor.

5. Is my data safe with this app?

The app claims to use encryption technologies for data security. However, be aware that similarly named apps have been associated with serious data privacy violations. Always review the app's privacy policy and permissions carefully before installation.

6. What are the eligibility requirements?

You must be a Nigerian citizen, at least 20 years old, a resident of Nigeria, and possess a valid ID card and bank card.

7. How long does approval take?

The app is designed for quick approval with a streamlined application process requiring only basic information.

8. What if I need help or have complaints?

Contact Urgent Money Ultra at:

Email: Urgentmoneyultra@gmail.com

Address: 29/31 Awolowo Way, Ikeja, Lagos State, Nigeria

9. How do I know if I'm using the safe version?

Ensure you download the app from official app stores and verify the developer is "De Fintek Nigeria Investment Limited." The version should be 1.0.4 or later. Be wary of any app simply called "Urgent money" without the "Ultra" suffix.

10. What should I do if I experience harassment from a loan app?

Report suspicious activity through the Cyber Security Authority's 24-hour cyber incident response system or contact local consumer protection authorities.

Final Recommendation

Exercise extreme caution when dealing with any "Urgent Money" branded apps. Verify you are downloading Urgent Money Ultra by De Fintek Nigeria Investment Limited from official sources. Avoid any app simply named "Urgent money" as it has been officially blacklisted for predatory practices including harassment, blackmail, and data theft