Xcredit Loan APK

Xcredit Loan APK

By: Unitycash(MY) Sdn. Bhd



Rating: 4.7+  Downloads: 420+ Size: 16 MB Updated: February 09, 2023.

Xcredit Loan Apk as a finance app has made online loans easier for people and you can easily apply for a loan through your mobile phone and deposit into your Nigerian bank account if your loan application meets the required requirements to be completed and approved.

It is an online mobile loan application that provides loans to individuals without collateral requirements. you just need to download the app and install it on your mobile phone to avail of the loan. The layout section of this guide provides detailed information on how to qualify for a loan. Continue reading!

In the X Credit Lending app, you can apply for a loan between 5,000₦ and 500,000₦ hassle-free, the higher your credit score, the higher the loan amount you qualify for.

XCredit makes it easy to get personal credit by using your phone details along with an SMS history to verify your identity and build a credit score. Xcredit Loan encrypts the data you share with them to protect your privacy. However, Xcredit promises to take your privacy very seriously and will never share your information with any third party.

Xcredit Loan APK

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About Xcredit Loan APK

Xcredit Loan Apk offers instant loans up to Rs 50,000 that can be deposited directly into your bank account. The App is also an efficient lending platform that people from all walks of life can use to their advantage. The growing demand for online instant loan services, which are on a fast growth trajectory, is rapidly reducing competition among different companies offering these services.

Many attractions are made by online fintech lending companies or providers to attract more customers, e.g. B. The application is only required in the form of an ID card and the loan processing takes 24 hours. This development now gives people facing serious problems the opportunity to get immediate help.

Xcredit Loan App is also an efficient lending platform that people from all walks of life can use to their advantage. In order to register an account with the application, which can be downloaded free of charge to your mobile device, you must enter your personal information according to the instructions provided.

Xcredit Loan APK

What is Xcredit Loan APK?

What sets Xcredit apart from the crowd of lending platforms is its expert system which does not require much information or documentation from the customer to process the loan.

Our program is designed to handle unexpected personal financial needs, so we only add a brief verification of basic client information during the credit process. Importantly, Xcredit eliminates all down payments and interest for its customers.

Duties and Taxes:

  • Minimum repayment period: 3 months
  • Maximum repayment period: 24 months
  • The annual percentage rate (APR) of the maximum fee is 0%.
  • Handling fee (including attorney fee, stamp duty, and service fee)
  • RM300~RM15000 depending on the loan amount
  • Early Termination Fee: None
  • main interest
  • Late penalties may apply
  • Calculate the loan


  • Loan Amount – RM3000.00
  • Loan term – 6 months installments
  • Interest rate – 0%
  • Handling Fee (Including Attorney Fee, Stamp Duty, and Service Fee) – RM30
  • Total Interest Charge: Loan Amount * Monthly Interest Rate * Loan Term
  • RM3000 * 0% (interest per month) * 6 months = RM0
  • Total Repayment Amount: Loan Amount + Total Interest
  • RM3000 + RM0 = RM3000
  • Calculation of the monthly installments: total repayment amount/loan term
  • RM3000 / 6 months = RM500
  • The total cost of the loan = processing fee + interest fee
  • Total Credit Cost = RM30 + RM0 = RM30

Features of Xcredit Loan APK

Privacy & Permissions: Xcredit Loan Apk makes it easy to get personal credit by using your phone details, including SMS history, to verify your identity and build a credit score. We encrypt the data you share with us to protect your privacy.

Xcredit Loan APK

  • Pay bills
  • Immediate line of credit
  • Unique documents
  • Small personal loans
  • Amount between ₹1,000 and ₹40,000
  • Low-interest rates
  • Direct money transfer
  • No physical inspection or visit
  • Easy access and apps for your convenience
  • Flexible repayment schedule
  • 100% digital with minimal paperwork
  • Improve your credit score with every repayment

Requirements for excredit loans

Second, you must meet certain requirements to be eligible for a Xcredit Loan Apk and in this section, I will list all the requirements so that you can get your loan before others. The application is accepted on the platform.

1. Age: You must be over 18 to be eligible for a loan on the platform.

2. Citizenship: You must be a citizen of Nigeria and reside in Nigeria. As of this writing, the app only works in Nigeria and is based in Lagos.

3. Valid Monthly Income Source: When signing up, you have several options to choose from.

4. Valid Basic Information: Make sure you provide valid information when registering.

5. Credit Limit: This is determined by evaluating your daily transactions, including debits to and from the bank account you specified when registering in the App. Xcredit helps you know how much you can borrow and increase your credit limit by repaying outstanding loans on time.

Xcredit Loan APK

Xcredit Loan Registration

To register for the Xcredit Loan Apk application, you just need to download and install the application on your mobile phone. Scroll down to the App Download section of this guide.

Once the installation is complete, open it and swipe right until you see the start button, click on the start button and you will get a box to enter your phone number. Enter your valid phone number and click the arrow at the bottom of the page.

Answer and hear the four-digit code, end the call, and return to the site to enter the code. If you are not satisfied with the call option, click the SMS button and you will receive the OTP via SMS, verify your phone number and configure your account dashboard.

You will be taken to a page that will ask for your basic information like bank verification number, name, address, source of income, and more. Fill out the form correctly with valid information and once this step is completed you can proceed directly with your loan application.

How to apply for a loan?

Applying for an Xcredit Loan Apk is very simple. All you have to do is follow these steps:

  • create an account
  • Ask for a loan
  • Get your credit straight into your bank account
  • Create your debt limit each time you pay off your debt.
ADDITIONAL INFORMATION about Xcredit Loan APK’s latest version.

Requires Android -5.0 and Up

Target: Android 9.0

File Size- 63.0 MB

Current Version: v2.0.1.0

Package Name: com.helplend2u

Rating – 4.5+

Price – Free

Written by prince rai

Prince Rai is a multifaceted individual whose journey is a combination of tech mastery and creative expression. Over seven years, he has become an experienced tech professional capable of solving complex problems and delivering innovative solutions. Prince is also a prolific content creator and blogger. Using his passion for writing, he weaves seamlessly between the realms of technology and storytelling, wowing audiences with his insightful articles and compelling stories.

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