Loan Application

How do I apply?

All applications MUST be completed on your android device . You can begin your application by downloading the QuickCheck app from the Google Playstore. After downloading the app, sign in with your facebook email address and password and fill the provided fields correctly.

*NOTE: You cannot change your login details.

Who is eligible to apply?

Nigerian adults with good credit score. You can access our services from anywhere in Nigeria as long as you are eligible and you own an android device.

Why was my application rejected?

Loan application can be rejected due to a number of reasons such as:

  • User do not have enough available data for proper evaluation.
  • User owes another lending platform.
  • User’s loan request exceeds 30 percent of his / her monthly income.
  • User has bad loan history.
  • If the system discovers any form of data falsification.
  • User does not meet our lending criteria.

Do I need to submit any document?

No. To get a QuickCheck loan, you do not need to submit any document. We will only need you to provide accurate answers to the questions we are going to ask you while filling in your details.

*NOTE: Please ensure you provide accurate answers on the required fields. You would be barred from accessing QuickCheck loans if any detail is falsified.

Can I apply for up to 500, 000 Naira?

We are fully devoted to ensuring users are supported in micro lending. This means that you get just a little money to keep afloat until your payday. However if you want business financing this we might do over time but it is not a priority for us.

When can I apply for higher amounts?

Your loan cap increases as you pay your loans on time and build trust with the system.

How much can I apply for and how long?

As a first time user, you can access up to 10,000 Naira for a period of 30 days. Early repayment guarantees higher amounts and lower interest rates.

Why didn't I get a notification about my loan application status?

Once your application is submitted, an email notification is sent. If you do not receive any notification, this means that the email address provided is incorrect.

Can I apply for a loan on my computer or with another operating system?

The QuickCheck app is ONLY available on android devices for now. However, if and when we launch on other operating systems we will notify the public.

Loan Repayment

Why was my loan cancelled?

Please ensure that your card is added on the QuickCheck platform and you have submitted accurate details and forward a mail to support@quickcheck.ng.

How can I payback my loan?

Here are the payment methods available:

Debit card:
Follow the steps below to make payment via your debit card (ATM Card)

-Click ‘Pay Now’ from your dashboard or loan menu
-Select the debit card you prefer to pay with
-Click ‘Continue’ and tap ‘Pay Securely Now’ to complete your payment
-Wait for the congratulatory message to confirm your payment
-A message will be sent to you by email or telephone to confirm your payment.

Bank Transfer
Follow the steps below to make payment via your debit card
-Click ‘Pay Now’ from your dashboard or loan menu
-Select ‘Bank Transfer’ as the payment method
-Make payment by bank transfer to the account number displayed on your screen
A message will be sent to you by email or telephone to confirm your payment.

Follow the steps below to make payment via your debit card
-Click ‘Pay Now’ from your dashboard or loan menu
-Select ‘USSD ‘as the payment method
-Scroll to locate your bank on the list of banks displayed
-Click on your bank from the listed banks to dial your unique USSD
-Follow the USSD procedure of your bank to complete the payment
A message will be sent to you by email or telephone to confirm your payment.

Cash deposit:
Use the details below;

Account Name: Arve Ltd
Bank: Guaranty Trust Bank (GTB)
Account Number: 0266302303

*NOTE: If you repay by Bank Transfer or USSD, verifying the payment will allow us to match the payment to your loan.
To verify your payment;
-Click on ‘Loan Payment’
-Scroll down and click on “bank transfer”.
-Choose your means of payment and amount
-Ensure to backdate the payment by one hour.
Without this, your payment will not be recognized, and late payment fees may apply.

Can I payback in instalments?

To make loan repayment easier and flexible, you can make weekly payments. All you need to do is to toggle the “instalment or one-off payment” button while applying for a new loan and it will automatically calculate and show you the amount you are to pay each week.

What if I don't payback my loan?

We love you as our customer and we would never want you to leave our platform, however, if you do not pay back your loan as at when due, it can attract serious consequences such as:

  • Poor credit rating with the Credit Bureau agencies which will prevent you from accessing loans from us and any other financial institution.
  • Suspension of your account on our platform which means you will no longer have access to our loan facility in the future.
  • Reporting you to State authorities.
  • Legal action: You may be charged to court for taking a loan and not wanting to pay back after agreeing to the terms and conditions amongst other consequences.

If you know you are going to have difficulty paying back your loan as at when due, please contact us a week before your due date to work out a repayment plan.

Will I pay less if I payback before the due date?

You can make loan payment before the due date and save funds as you only pay interest for the number of days accrued. We charge a minimum of 15 days interest on all loans.

What happens if I can't payback before the due date?

You are advised to take a QuickCheck loan only if you are certain of making a repayment on or before your due date. Late repayments also attract extra charges which means you are liable to pay more than the expected amount if you don’t pay when due.

*NOTE: Defaulters will be reported to the National Credit Bureaus and this will deter your chances of accessing loans from us or any other financial institution.

How can I check my expected date of loan repayment?

To view any information concerning your loan, please log in to your Quickcheck account and click “ongoing loan”.

I made a payment via bank transfer or USSD, what next?

Verification is done after payment via bank transfer or the QuickCheck USSD Code. To verify your payment on the application, click on “LOAN PAYMENT” and scroll down click on “BANK TRANSFER”, our account number will pop up. please choose the amount you paid, time and date of payment, means of payment(mobile payment,quickteller etc) and the click on verify.

I just made a repayment. When can I apply for another loan?

If you login your app and your loan status reads “Paid”. It means your repayment has been received and updated accordingly. You can apply for another loan.

*NOTE: We have system limits in place to avoid excessive usage of the platform, which can be financially damaging to our customers. You have a 10 days waiting period before applying for another loan for users with less than 5 successful loan payments.

Can I make a repayment with a different account name and number?

Yes. You can make a repayment with a different account number and name. Ensure you notify us of this by sending a mail to support@quickcheck.ng with a screenshot of the transaction.

I have paid back my loan but my account is yet to be updated, what should I do?

Send an email containing your proof of payment to support@quickcheck.ng. However, to ensure your account is updated immediately,make your payment via the QuickCheck App. If you used other means of payment,your payment updated might be slightly delayed(1-2 business days)

General Inquiries

Why is my card not added?

Here are some of the reasons why your card is not added:

  1. Card is to expire before the loan duration
  2. If you are attempting to add a verve card
  3. If the phone number inputted is not the one registered with the bank. (Please contact your bank to Update your personal information e.g Phone number linked with your BVN and then Notify us)
  4. If your card is not enabled for online transactions (Please contact your bank)
  5. If this is a new card (Continue usage of the card for 30 days before adding to the platform).
  6. Insufficient funds (If you have already been debited please contact us)

Please retry after a while if the above does not apply to you.

Why is my account suspended?

There are two possible reasons why your account was suspended:

  1. Based on your request
  2. Bad loan history

*NOTE: Always login with the same Facebook details.

What are your terms and conditions?

Please read our terms and conditions here

Can I have a QuickCheck bank account?

This feature will be available soon

How long does it take for my loan to be credited?

You will receive your loan within 24 hours of loan Validation. Please notify us if after 24 hours your loan isn’t credited. Please check your bank account directly as you may not receive alerts.

How can I get in contact with a QuickCheck agent?

If you experience any difficulty in using the QuickCheck application, please download our app and utilize the support section or send us a mail support@quickcheck.ng or through any of our social media pages (Facebook, Twitter, Instagram and LinkedIn @QuickCheckng).

I can't validate my phone number, what should I do?

Please make sure the number inputted in your application is the same as the number of the SIM on your device which is linked to your BVN. Also please input your number in the correct international format without the first zero i.e 0903056574 becomes +234 903056574 Make sure you don’t pick the call when that comes in. Please allow a few hours and try again if an error occurs.

*NOTE: If you are using a phone with dual sim, please swap the SIM cards.

I can't validate my account number, what should I do?

Kindly confirm that you selected the correct bank name for which the account number you filled is linked. Sometimes the service is overloaded by requests and it takes longer to validate. Please allow a few hours and try again.

Can I change my personal information/banking details on the app?

Some information can be updated at will. If you wish to change any information about yourself that is not allowed in the app, kindly put your detail(s) in a mail and forward it to support@quickcheck.ng with proof(s) and cogent reasons as to why you want to make the changes.

I have not received my loan after 24 hours of disbursal, what do I do?

If funds are not received after 24 hours of disbursal, please forward your bank statements to support@quickcheck.ng. We will be contact your bank.

I tried downloading the app from the Google Play Store but I am getting "a device not compatible". What does this mean?

Our app currently works on android devices running on version 4.1 and above. Nonetheless, some phones may not be compatible due to the security settings the app requires.
Please check your device settings to ascertain if your device runs on the required version.

Why does my app show “email address already associated with an account"?

You receive this notification when you already have an account with QuickCheck.

Kindly login with the initial Facebook details used to sign up. If you cannot access it or it has been hacked, kindly contact Facebook support.

*NOTE: You can only have one Facebook account attached to your profile (this is non-reversible).

Privacy and Security

Is my data safe with you?

Yes. We hold every piece of information about you in high esteem and we do not share with any other individual or institution. Your data are stored in an encrypted format and no one can have access to them unless they are granted.

Why is my card information required?

Your card details makes it easy for loan payment as we will automatically debit your card when your loan is due. This method is safe because all cards come with an end to end encryption this means that it cannot be accessed or decrypted by third party it can only be stored.We understand that it is highly sensitive information and we have put all measures in place to make our platform safe and secure.

Why is my Bank Account & BVN required?

Your bank account details are required for disbursal of your approved loan. Your BVN is needed for verification purposes and for certain security measures.

I lost my device, how do I retrieve my account?

Your account can be easily retrieved. All you need to do is to download the app on your new device and sign in with your details.

*NOTE: Ensure you sign in with the same Facebook details.

Can I change my personal information/banking details on the app?

Some information can be updated at will. If you wish to change any information about yourself that is not allowed in the app, kindly put your detail(s) in a mail and forward it to support@quickcheck.ng with proof(s) and cogent reasons as to why you want to make the changes.

I am getting this error message: "BVN already in use", what does it mean?

This means you already have a profile with QuickCheck. If you are sure you did not open this account, it can mean someone is using your BVN. Please contact us as soon as possible to resolve this.

*NOTE: Your BVN is confidential and should not be shared with anyone.