Swiftkash Login With Phone Number, Email, Online Portal, Website

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Welcome Today we’ll be discussing on Swiftkash Login With Phone Number, Email, Online Portal, Website.

Swiftkash is a fintech company offering quick short-term loans to individuals in Nigeria. With their easy registration process, fast disbursals and flexible repayment options, Swiftkash aims to provide financial inclusion using digital lending. Customers can conveniently login using phone number, email or directly through Swiftkash website to avail loans.

In this comprehensive guide, we provide step-by-step process to login to your Swiftkash account using various methods. We also cover account creation, loan products, repayment process, customer support and other key details about Swiftkash lending services.

Overview of Swiftkash

Let us first understand what Swiftkash offers:

  • digital lending platform based in Lagos, Nigeria
  • provides collateral-free personal loans from ₦1,500 to ₦500,000
  • loans paid directly into bank account within 24 hours of approval
  • repayment tenure from 30 days to 180 days
  • interest rate starting from 1.75% per day
  • no hidden charges or administrative fees
  • fully online process done through website or mobile app

Benefits of Swiftkash Loans

Some of the major benefits of taking a loan from Swiftkash include:

  • Fast disbursal – Get loan within 24 hours of application
  • Digital process – Apply completely online with minimal paperwork
  • Flexible repayment – Repay over 1 to 6 months as per preference
  • Higher loan limits – Borrow upto ₦500,000 based on eligibility
  • Build credit – Timely repayments are reported to credit bureaus
  • Transparent terms – No hidden costs or surprise charges

How to Login to Swiftkash Account

Here is the step-by-step process to login to your Swiftkash account using different methods:

Login via Phone Number

  • Download the Swiftkash mobile app and open it
  • Tap on ‘Login’ and enter your registered mobile number
  • Enter the OTP received as SMS on your phone number
  • Submit OTP to complete 2-factor authentication
  • You will be logged in to your Swiftkash account dashboard

Login via Email

  • Open the Swiftkash app and tap on ‘Login’
  • Select ‘Login with Email’ option
  • Enter your registered email ID and password
  • Tap on login to access your Swiftkash account

Login via Swiftkash Website

  • Go to the official website – swiftkash.com
  • Click on ‘Login’ button on top right corner
  • Enter your registered mobile number or email ID
  • Enter the password and click ‘Login’
  • You will be able to access your Swiftkash account

Account Creation Process on Swiftkash

If you are a new user, here are the steps to create an account with Swiftkash:

  • Download the Swiftkash mobile app and tap on ‘Register’
  • Enter your phone number and an OTP will be sent for verification
  • Set a password and enter your personal details
  • Upload KYC documents like ID proof and address proof
  • Accept the terms and conditions to complete registration

The account creation process is quick and paperless. Your KYC documents are verified electronically for faster processing.

Swiftkash Loan Products

Swiftkash offers collateral-free personal loans. Based on your profile, you can avail below loan products:

  • Instant Cash Loan – Get instant cash credited for emergencies
  • Payday Loan – Get short-term loan to cover expenses until next salary
  • Business Loan – Get capital for your business needs
  • Rental Loan – Pay rent, deposits etc. for your accommodation
  • Festival Loan – Finance for special occasions and festivals

Swiftkash Loan Amounts and Tenure

Swiftkash offers flexible loan amounts and repayment tenors:

  • Loan amount from ₦1,500 to ₦500,000
  • Repayment period from 30 days to 180 days
  • Higher loan amounts have longer repayment tenors
  • Interest rate reduces on choosing longer tenor

Based on your credit profile, you can avail suitable loan amount and customize the repayment tenure as per requirement.

Swiftkash Interest Rates and Charges

Swiftkash has transparent interest rates and charges:

  • Daily reducing balance interest from 1.75% to 4% based on loan details
  • No hidden costs or administrative fees
  • No charges for early repayment or part-payment
  • No late repayment charges
  • Interest rates clearly mentioned upfront

There are no surprise charges. Interest rate is charged only on reducing principal amount, ensuring affordable EMIs.

Repayment Process

Repaying your Swiftkash loan is quick and easy via below channels:

  • Auto-debit from bank account on due date
  • Via debit/credit card on Swiftkash website
  • Make online UPI or bank transfer on Swiftkash portal
  • Pay at bank branch using account number
  • Visit nearest paypoint outlet for cash/card repayment

Swiftkash provides multiple repayment options for convenience of borrowers. Timely repayments ensure seamless loan journey.

Swiftkash Login With Phone Number, Email, Online Portal, Website

Pros of Swiftkash

  • Digital lending ensures quick loan disbursal
  • Higher loan amount upto ₦500,000
  • Repayment tenor upto 180 days
  • Build your credit score with timely repayments
  • Dedicated customer assistance via call, email, social media etc

Cons of Swiftkash

  • Interest rates are higher compared to banks or P2P lending platforms
  • First-time users get lower loan amount approval
  • Customer service needs improvement
  • Misleading ads about approval rates

FAQs On Swiftkash Login With Phone Number, Email, Online Portal, Website

Q1: What is the maximum loan amount I can get on Swiftkash?

A1: As a first-time borrower, your loan amount on Swiftkash can range from ₦1,500 to ₦50,000. With responsible borrowing and timely repayments, you become eligible for higher loan upto ₦500,000.

Q2: How does Swiftkash verify my documents?

A2: Swiftkash uses electronic KYC to instantly verify your PAN, Aadhaar, mobile number etc. against various government databases for authenticity. Manual verification may also be done.

Q3: Can I prepay my Swiftkash loan anytime?

A3: Yes, Swiftkash does not charge any penalty for prepaying your loan or making part-payments before tenure. You can prepay partially or fully as per your convenience.

Q4: What if I miss my Swiftkash EMI repayment?

A4: If you miss your EMI repayment, Swiftkash will keep trying to auto-debit the amount from your bank account upto the loan expiry tenure. This may attract late payment charges, so ensure you repay on time.

Q5: How soon is my Swiftkash loan application approved?

A5: Swiftkash aims to provide instant loan approval decision and disburse funds within 24 hours after submission of application and documents. The amount is credited to your bank account.

Q6: Can I apply for multiple loans with Swiftkash?

A6: Yes, existing Swiftkash customers with healthy repayment track record can avail multiple loans. Your new loan amount will depend on previous borrowing pattern.

Q7: What happens if my Swiftkash loan application gets rejected?

A7: Loan rejection mainly happens if you do not meet the eligibility criteria or have low credit score. You can check with customer care on reasons for rejection before reapplying. Build your creditworthiness to improve chances.

Q8: How does Swiftkash determine the interest rate on my loan?

A8: Swiftkash considers factors like your credit score, income stability, loan amount and tenure to customize the interest rate. Higher amounts and shorter tenors attract higher interest rates.

Q9: Can I extend my loan tenure if I am unable to repay?

A9: Yes, you can request to increase your Swiftkash loan tenure by contacting customer service. This will spread out your EMIs over longer period but you will pay additional interest charges.

Q10: Is there any Swiftkash branch near me for enquiries?

A10: Swiftkash does not have offline branches as they provide only digital lending services. You can contact them online via website chat, email or call them for any enquiries.

Q11: What are the charges if my EMI bounces?

A11: If your auto-debit payment fails due to insufficient balance, Swiftkash will levy bounce charges and late payment penalty. This can impact your credit score adversely.

Q12: How soon will I get the Swiftkash loan amount?

A12: Swiftkash aims to disburse approved loans within 24 hours on business days. The amount is directly credited to the bank account you provided during application.

Q13: Can I apply for loan if I already have existing loans?

A13: Yes, you can still apply for Swiftkash loan if your obligations under existing loans combined with Swiftkash EMI equates to under 50% of your monthly income.

Q14: What details are required to register on Swiftkash?

A14: You need to submit your PAN, Aadhaar, full name, date of birth, mobile number and email ID to create an account on Swiftkash for loan application.

Q15: How does Swiftkash verify my income documents?

A15: Swiftkash verifies your salary slips, bank statements etc. directly with your employer or bank through digital channels to check income authenticity before approving loan.

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Swiftkash makes accessing short-term loans convenient through quick approval and disbursal.

Login through mobile app, email or website to start your digital lending journey. Ensure to make your repayments on time to avoid penalties and build good credit profile.

Evaluate loan details carefully as per your repayment capacity before applying. Use the multiple customer assistance channels available for any queries.

After reading this article know you Swiftkash Login With Phone Number, Email, Online Portal, Website.

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