GoMoni Loan App: How to Apply and Repay Loans with No Stress
How to Download GoMoni Loan App and Get Instant Loans Online
Do you need some quick cash to pay your bills, buy groceries, or handle an emergency? If yes, then you might want to check out GoMoni loan app, a mobile app that provides instant loans to its users. In this article, we will tell you everything you need to know about GoMoni loan app, including what it is, how it works, how to download it, how to apply for a loan, how to repay a loan, and what are the pros and cons of using it. By the end of this article, you will be able to decide if GoMoni loan app is the right choice for you.
What is GoMoni Loan App?
GoMoni loan app is a mobile application that offers fast and easy loans to Nigerians who need some extra money. The app is developed by Fezotech Nigeria Limited, a company that specializes in providing financial solutions to individuals and businesses. The app is available on Google Play Store for Android users.
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GoMoni loan app uses a loan software that collects prospective customers information, including phone records, banking transaction alerts, and BVN, to build each borrowers credit score. Based on the credit score, the app determines the loan amount, interest rate, and repayment period for each borrower. The app claims to offer loans ranging from 10,000 to 100,000, with repayment periods from 91 days to 365 days, and interest rates from 24% to 56% per annum. The app also claims to provide loans without any collateral or guarantor needed.
Features and Benefits of GoMoni Loan App
GoMoni loan app has some features and benefits that make it attractive to borrowers who need quick and convenient loans. Some of these features and benefits are:
Requirements and Eligibility for GoMoni Loan App
To be eligible for a loan from GoMoni loan app, you need to meet some basic requirements. These are:
You must be a Nigerian resident.
You must be between 18 and 60 years old.
You must have a valid document and proof of identity, such as a national ID card, drivers license, or passport.
You must have a bank account with a Nigerian bank.
You must have a BVN (Bank Verification Number).
You must have a smartphone with an internet connection.
How to Download and Install GoMoni Loan App
To download and install GoMoni loan app on your Android device, follow these simple steps:
Go to Google Play Store on your device and search for GoMoni-personal loan online or click on this link .
Tap on the Install button and wait for the app to download and install on your device.
Open the app and grant it the necessary permissions to access your phone data.
How to Register and Apply for a Loan on GoMoni Loan App
After installing the app on your device, you need to register an account with your phone number and create a password. Then, you can apply for a loan by following these steps:
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Tap on the Apply Now button on the home screen of the app.
Fill in your personal information, such as your name, date of birth, gender, email address, and occupation.
Fill in your bank information, such as your bank name, account number, and BVN.
Upload a clear photo of your ID card and a selfie with your ID card.
Choose the loan amount and repayment period that suit your needs.
Submit your loan application and wait for approval.
If approved, you will receive the loan amount in your bank account within minutes.
How to Repay a Loan on GoMoni Loan App
To repay a loan on GoMoni loan app, you have two options. You can either repay manually or automatically. To repay manually, you need to follow these steps:
Go to the My Loan section of the app and check your loan status and repayment amount.
Tap on the Repay button and choose the payment method that is convenient for you. You can pay with your debit card, bank transfer, or USSD code.
Follow the instructions on the screen and complete the payment process.
You will receive a confirmation message from GoMoni once your payment is successful.
To repay automatically, you need to enable the auto-debit feature on the app. This feature allows GoMoni to deduct the repayment amount from your bank account on the due date. To enable this feature, you need to follow these steps:
Go to the Settings section of the app and tap on the Auto-Debit option.
Select the bank account that you want to use for auto-debit and enter your debit card details.
Confirm your consent and activate the auto-debit feature.
You will receive a notification from GoMoni before each auto-debit transaction.
How to Contact GoMoni Customer Service
If you have any questions, complaints, or feedback about GoMoni loan app, you can contact their customer service team through any of these channels:
Pros and Cons of GoMoni Loan App
Like any other loan app, GoMoni loan app has its advantages and disadvantages. Here are some of them:
Pros of GoMoni Loan App
Fast and Easy Loans
One of the main benefits of GoMoni loan app is that it provides fast and easy loans to its users. You can apply for a loan in minutes and get approved in seconds. You can also receive the loan amount in your bank account within minutes. This makes GoMoni loan app a convenient option for people who need urgent cash.
No Collateral or Guarantor Needed
Another benefit of GoMoni loan app is that it does not require any collateral or guarantor from its borrowers. This means that you do not have to risk losing any of your assets or involve any third party in your loan transaction. This makes GoMoni loan app a safe and hassle-free option for people who do not have any collateral or guarantor.
Flexible Repayment Terms
A third benefit of GoMoni loan app is that it offers flexible repayment terms to its borrowers. You can choose the loan amount and repayment period that suit your needs and budget. You can also repay your loan manually or automatically, depending on your preference. This makes GoMoni loan app a flexible and convenient option for people who want to manage their finances better.
Low Interest Rates
A fourth benefit of GoMoni loan app is that it offers low interest rates to its borrowers. The app claims to offer interest rates from 24% to 56% per annum, which are lower than some other loan apps in Nigeria. This makes GoMoni loan app an affordable option for people who want to save money on interest payments.
Cons of GoMoni Loan App
Limited Loan Amounts
One of the main drawbacks of GoMoni loan app is that it offers limited loan amounts to its users. The app claims to offer loans ranging from