Loan app crashes during application are a major headache for Nigerians seeking urgent funds. This disruption can waste valuable time and even hurt your approval chances. Understanding the root causes is the first step to a smooth, successful loan process.
This guide provides proven, practical solutions tailored to Nigeria’s unique digital landscape. We cover everything from network issues to device settings, ensuring you can complete your application without stress. Follow these expert tips to fix crashes and access your funds seamlessly.
Requirements / What You Need
Before you begin troubleshooting, ensure you have the basics ready. This preparation prevents repeated crashes and saves your application progress.
- A Stable Internet Connection: Use mobile data (MTN, Glo, Airtel, 9mobile) with strong signal. Avoid public Wi-Fi at cyber cafés or malls, as they are often unstable and insecure for financial transactions.
- Your Smartphone: Ensure it has at least 1GB of free storage space. Loan apps like FairMoney, Branch, and Carbon need room to function and update properly.
- Basic Personal Information: Have your full name, BVN, phone number, and email address ready to input quickly and avoid session timeouts.
- Necessary Documents: Clear, well-lit photos of your valid NIN slip, a government-issued ID (National ID card, Driver’s License, International Passport, or Voter’s Card), and proof of address (utility bill).
- No Upfront Fees: Legitimate loan apps in Nigeria do not charge application fees. Any request for ₦500, ₦1,000, or more to “process” or “guarantee” your loan is a scam.
Step-by-Step Process
Step 1: Force Stop and Clear the App Cache Go to your phone’s Settings > Apps > find the loan app (e.g., FairMoney). Tap “Force Stop” to shut it down completely. Then, tap “Storage” and select “Clear Cache.” This removes temporary corrupted data that often causes crashes, especially after a failed attempt. Do not select “Clear Data,” as this will delete your saved login and application progress.
Step 2: Check for App and System Updates Open the Google Play Store, search for the loan app, and update it. Outdated versions are incompatible with newer phone systems. Also, check for a pending phone software update in your Settings. Nigerian users often ignore these updates, but they are critical for app stability.
Step 3: Switch Your Network Connection If the app crashes during upload, your network is likely the culprit. Turn on Airplane Mode for 30 seconds, then turn it off to refresh your connection. Alternatively, switch from Wi-Fi to mobile data (or vice versa). For critical steps like BVN verification, use a 4G connection from a major network like MTN or Airtel for the most reliable speed.
Step 4: Restart Your Phone and Re-attempt A simple restart clears your phone’s RAM and stops background processes that may interfere with the loan app. After restarting, open only the loan app and immediately continue your application. Avoid switching to other apps like WhatsApp or Instagram during the process, as this can cause the loan app to reload and crash.
Step 5: Reinstall the App as a Last Resort Uninstall the loan app completely, then download it fresh from the official Play Store. This installs a clean version, fixing deep file corruption. Before reinstalling, ensure you know your registered phone number and have your documents handy, as you will need to log in and start the application again.
Alternative Methods
If the app continues to crash persistently, consider these alternative paths to secure a loan in Nigeria. These methods bypass the technical glitches of mobile apps entirely.
For a fully digital alternative, access the loan platform via a desktop computer or laptop. Some lenders like Renmoney and Aella Credit have full-featured websites where you can complete the entire application and upload documents. This is better if your phone is old or has insufficient RAM, as browsers on a computer at a trusted cyber café (ensure it’s secure) are more stable.
For a physical, in-person option, visit a licensed Microfinance Bank (MFB) or a commercial bank branch. Institutions like LAPO Microfinance Bank, AB Microfinance Bank, or your regular bank offer structured loan products. This method is better when you need larger amounts (above ₦200,000) or want to discuss terms face-to-face, though it requires more documentation and has a longer processing time, often several days.
Common Problems and Solutions
Problem: “BVN Validation Failed” or Portal is Unresponsive
This is often due to high traffic on the NIBSS portal or a mismatch between the details on your loan app and your BVN record. It causes the app to freeze or crash.
Solution: First, wait 2-3 hours and try again, especially outside peak business hours (avoid 10 am – 4 pm). If it persists, dial *565*0# to check your BVN details and ensure your name, date of birth, and phone number match exactly what you’re inputting. Any discrepancy will cause failure.
Problem: App Crashes Specifically During Document Upload
You try to upload a picture of your ID or utility bill, and the app immediately closes. This is usually a storage or file size issue.
Solution: Before taking the photo, go to your phone’s camera settings and reduce the image resolution to “Medium.” Compress the file. Also, ensure you are granting the app permission to access your gallery/camera when prompted. Upload documents one at a time and wait for confirmation before proceeding.
Problem: App Works, But You Get “Pending Review” for Days
Your application didn’t crash, but it’s stuck after submission. This isn’t a technical fault but a common Nigerian lending delay due to system checks or high application volume.
Solution: Do not reapply on another app, as multiple concurrent applications can label you as high-risk. Wait at least 3-5 working days. If no feedback, contact the lender’s official Nigerian customer service via their verified social media page (Twitter/X or Facebook) or email with your application reference number.
Fees, Costs and Timeline
Understanding the true cost and timeline prevents frustration and scams. Legitimate digital loan apps in Nigeria charge zero application fees. The costs are embedded in the interest rate and a one-time management fee, typically between 1% to 10% of the loan amount, which is deducted before disbursement. For example, a ₦50,000 loan may have a ₦2,500 management fee, crediting you ₦47,500.
Beware of agents or messages demanding upfront “processing” fees of ₦1,000 to ₦5,000; this is a scam. The standard timeline is instant to 24 hours for app-based loans after successful application. If using a Microfinance Bank, expect 3-7 working days. Delays often occur during BVN verification or public holidays. Lagos and Abuja branches may process slightly faster than others.
Warnings and Scams to Avoid
- Fake Customer Service Agents: Scammers create fake social media pages or WhatsApp numbers posing as support for FairMoney, Branch, etc. They will ask for your OTP, ATM card details, or an “activation fee.” Never share these. Only use contact details from the official app or website.
- Cloned or Fake Loan Apps: Download apps only from the official Google Play Store. Avoid links sent via SMS or social media. Fake apps like “QuickCredit NG” or “CashLoan Naija” are designed to steal your data and money.
- Upfront Fee Requests: As stated, no legitimate Nigerian loan app asks for money before disbursement. Any request for airtime, data, or direct bank transfers (even ₦500) to “unlock” or “fast-track” your loan is a scam.
- Guaranteed Approval Scams: Be wary of messages or agents promising “100% loan approval” if you pay a fee. Loan approval depends on your creditworthiness, not a bribe.
Acceptance, Use and Next Steps
Once your loan is approved and disbursed, the funds are sent directly to the bank account linked to your BVN. These funds are universally accepted across Nigeria—you can use them for bills, POS withdrawals, online transfers, or payments to merchants on platforms like Jumia or Jiji. There are no geographical restrictions within the country.
Your immediate next step is to set a repayment reminder. Note the due date, as defaulting leads to high penalties, report to credit bureaus, and harassment from loan recovery agents. Consider setting up a standing order on your mobile banking app if possible.
A key limitation is that these digital loans are typically for short-term emergency use, with amounts often capped between ₦50,000 to ₦500,000 for first-time users. They are not suitable for long-term business capital or major investments. For larger, structured financing, explore products from commercial banks or government schemes like the CBN’s Agri-Business/Small and Medium Enterprise Investment Scheme (AGSMEIS).
Frequently Asked Questions
Why does my loan app keep crashing only when I want to apply?
This is typically due to a poor internet connection, an outdated app version, or insufficient phone storage during the data-heavy application process. The app works fine for browsing but crashes when trying to load the BVN verification portal or upload documents, which requires more stable resources.
Can a loan app crash affect my credit score or BVN?
No, a technical crash does not directly affect your credit score or BVN. Your creditworthiness is only impacted when you successfully apply, take a loan, and then fail to repay. However, multiple incomplete applications in a short period might be logged by some lenders as suspicious activity.
I uninstalled and reinstalled the app. Will I lose my application progress?
Yes, reinstalling usually erases local application progress. However, if you had already submitted an application, it is stored on the lender’s server. Use your registered phone number to log in; you may see a pending status or need to restart. Always note your application reference number before reinstalling.
Is it safe to use a cyber café to apply for a loan if my app crashes?
It is highly discouraged due to major security risks. Public computers can have keyloggers that steal your BVN, passwords, and personal data. If you must, use the café’s computer only to access the lender’s official website, never save your login details, and clear the browser history after.
What should I do if the app crashes after my loan is approved?
Do not panic. The approval and disbursement are server-side processes. Force stop the app, clear its cache, and restart your phone. Then log back in. The funds should reflect in your bank account within minutes to hours. Check your account balance via your bank’s USSD code (*906# for example) for confirmation.
Are older Android phones (like Tecno Pop 2) compatible with loan apps?
They can be, but compatibility issues are common. Older phones with low RAM (less than 2GB) and outdated Android versions (below 5.0 Lollipop) struggle with newer app updates. If crashes persist after all troubleshooting, the phone’s hardware may be the limitation. Consider using a more recent device for the application.
Disclaimer
This article is for informational purposes only and does not constitute financial or legal advice. Loan app terms, interest rates, and procedures are subject to change by individual lenders. Readers are advised to consult directly with financial institutions for the most current information and to make independent decisions. The author and publisher are not liable for any financial losses or decisions made based on this content.