Tloan App: Loan Requirements, Apk Download, Interest Rates and Customer Care

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Hello Today we’ll talk about Tloan App: Loan Requirements, Apk Download, Interest Rates and Customer Care.

Getting quick access to financing through digital lending apps like Tloan is gaining popularity in Nigeria. With minimal paperwork and instant approvals, Tloan makes borrowing super convenient. In this detailed guide, we provide information on Tloan app download, loan requirements, interest rates, and how to contact customer care.

Tloan is an online lending app that provides collateral-free personal loans up to ₦500,000 to salaried individuals. Tloan offers a completely paperless process via its Android/iOS apps and disburses funds within 24 hours of approval. Some key features include:

  • Loans from ₦1,500 to ₦500,000
  • No collateral required
  • Instant loan approval
  • Loans disbursed in 24 hours
  • Repayment periods up to 12 months
  • Late repayment charges apply
  • Interest rates from 5% to 14% per month

Tloan uses alternative data like mobile top-up history, app usage etc. to determine creditworthiness. This allows salaried and self-employed individuals to qualify for loans.

Step-by-Step Guide to Getting a Tloan

Tloan App: Loan Requirements, Apk Download, Interest Rates and Customer Care

Follow these steps to get a loan on Tloan:

  1. Download: Get the Tloan app on your Android or iOS device.
  2. Register: Provide your personal details to create an account.
  3. Loan details: Select desired loan amount and repayment tenure.
  4. Verification: Upload required documents for verification.
  5. Approval: If approved, e-sign loan agreement and get funds in your bank account.
  6. Repayment: Repay loan through timely installments via direct debit.

The whole process from application to disbursal can be completed in under 24 hours if you meet the eligibility criteria and have all documents handy.

Key Benefits

Some major benefits of getting a loan through Tloan include:

  • Digital process: Apply and get approved completely online via app.
  • Fast disbursal: Get loan amount credited to your account within 24 hours.
  • No paperwork: No physical documents required.
  • No collateral: Get unsecured personal loans.
  • Higher approval: Alternative data helps get loans with minimal documentation.
  • Flexible tenure: Repay loan in up to 12 months as per repayment capacity.

Eligibility Criteria

To qualify for a loan on Tloan, you must:

  • Be a Nigerian aged 18 years or older
  • Have a valid means of identification
  • Be employed or have regular source of income
  • Have a functional bank account and BVN
  • Provide contact details of referees
  • Meet the credit scoring criteria

Required Documents

You will need to upload the following documents when applying for a Tloan:

  • Valid government-issued ID card
  • 3 months bank account statements
  • Utility bill (electricity/water/cable TV) as address proof
  • Current payslip or employment letter
  • Passport sized photo
  • TIN number (if applicable)

How to Download the Tloan App

Tloan App: Loan Requirements, Apk Download, Interest Rates and Customer Care

Follow these simple steps to download the Tloan app on your Android or iOS device:

  • Android: Open Google Play Store, search for “Tloan”, and tap “Install” to download.
  • iOS: Open Apple App Store, search for “Tloan”, and tap “Get” to download.
  • Allow all permissions required for smooth functioning of the app.
  • The app size is around 25MB on Android and 64MB on iOS.
  • Register with your basic details to create an account.

Interest Rates and Processing Fees

Tloan charges interest rates between 5% to 14% per month, based on your credit score, loan amount and tenure selected. First-time borrowers get lower interest rates. Tloan also charges a one-time processing fee of 2% of loan amount. Ensure to repay your loan on time to avoid late fees.

Repayment Options

Repayment for Tloan is done via authorized debit from your linked bank account. The repayment structure includes:

  • Loan tenure of 2 weeks to 12 months
  • Equal monthly repayments as per tenure selected
  • Repayment date between 1st to 15th of every month
  • Late payment fees apply for missed installments
  • Early repayment allowed without prepayment penalties

Customer Care Contacts

Get in touch with Tloan’s customer care through:

  • Email:
  • Phone: 0904 909 6911
  • WhatsApp: 0904 909 6911
  • Social Media: Facebook & Instagram @tloanapp
  • Website: Start a live chat at

The customer care team is available 7 days a week (9am to 6pm on weekdays and 10am to 4pm on weekends) to answer loan-related queries and assist with your application.

FAQs On Tloan App: Loan Requirements, Apk Download, Interest Rates and Customer Care

Tloan App: Loan Requirements, Apk Download, Interest Rates and Customer Care

How much loan amount can I get?

You can get approved for Tloan between ₦1,500 to ₦500,000 based on eligibility.

How quickly is the loan amount disbursed?

Once approved, you get the loan amount directly in your bank account within 24 hours.

What is the maximum loan tenure?

Tloan offers flexible repayment tenures up to 12 months.

Can I prepay my Tloan?

Yes, you can pay off your entire loan early without any extra charges.

Does Tloan offer loans to self-employed people?

Yes, Tloan uses alternative data to offer loans even if you don’t have fixed monthly salary.

How does Tloan determine my eligibility?

Tloan uses your social, financial, and credit behaviour data for customised credit scoring.

What if I miss my repayment date?

Late repayment can incur additional late fees. It also negatively impacts your credit score.

Is there any hidden fee for Tloan?

There are no hidden charges. All applicable interest rates and fees are disclosed upfront.

Can I apply for multiple loans from Tloan?

You can only have one active Tloan at a time. But you become eligible for another loan once existing loan is repaid.

How do I pay my EMI?

Loan repayment is done by auto-debit from your bank account on the scheduled repayment dates.

Read more: finance access bank mobile app and internet banking


Tloan provides an easy and quick way to get access to financing for your personal needs through its mobile app. With minimal eligibility requirements, fast disbursals, and flexible repayment terms, Tloan aims to provide loans conveniently via your smartphone. While interest rates are on the higher side, responsible borrowing and timely repayments can help build your credit profile for future loans. For salaried individuals as well as self-employed people who may not qualify for bank loans, Tloan offers a useful digital lending solution.

However, be prudent about the loan amount you apply for and ensure you have the repayment capacity. With a sharp focus on using technology to make borrowing easier, Tloan has strong potential for growth in the fintech lending space in Nigeria.

After reading this article now you know Tloan App: Loan Requirements, Apk Download, Interest Rates and Customer Care.

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