Wondering how to increase your loan limit on QuickCheck? You’re not alone. Many Nigerians rely on this popular digital lender for urgent funds, but the initial amounts can be limiting. This complete guide provides expert tips and proven methods to help you build a stronger profile with the platform.
By understanding how QuickCheck’s system works, you can take practical steps to boost your eligibility. We’ll break down the key factors, from repayment behavior to app usage, all within the Nigerian financial context. Let’s explore how you can access larger loans for your needs in Lagos, Abuja, Port Harcourt, and beyond.
Requirements / What You Need
To start the process of increasing your loan limit on QuickCheck, you need to have a few basic things in order. The platform operates entirely digitally, so your smartphone is your primary tool. Here’s what you must have ready:
- A Functional Android Smartphone: The QuickCheck app is only available on Android via the Google Play Store. If you use an iPhone, you’ll need access to an Android device, perhaps from a friend or family member, or you can use one at a trusted cyber café.
- Stable Internet Data: A reliable internet connection is crucial for downloading the app, submitting requests, and completing the mandatory facial verification. Consider completing the process during off-peak hours if your network is often slow.
- Your Bank Verification Number (BVN): This is non-negotiable. QuickCheck uses your BVN to verify your identity and pull your financial history from the Nigerian Central Bank’s database.
- An Active Bank Account: Your account must be in your name, match your BVN details, and be active for receiving and repaying loans. QuickCheck partners with most major Nigerian banks.
- A Valid Means of Identification: While the app may not always ask to upload it, have your National ID, Driver’s License, International Passport, or Voter’s Card handy for full verification.
Important Note: There is no official fee to apply for a loan or request a limit increase on QuickCheck. Any request for payment to “process” or “fast-track” your limit is a scam. The entire process is automated and free.
Step-by-Step Process
Step 1: Download and Install the Official QuickCheck App
Go to the Google Play Store on your Android phone and search for “QuickCheck – Instant Loans.” Ensure you download the app published by “QuickCheck Credit Limited” to avoid fake clones. Install the app and grant the necessary permissions for it to function. Be wary of downloading APK files from third-party websites or links sent via SMS, as these are common sources of fraud in Nigeria.
Step 2: Complete Your Profile with Accurate Information
Open the app and sign up using your Nigerian phone number. You will be guided to fill in your personal details. It is critical to use the exact information tied to your BVN and bank account—your full name as it appears on your bank statement, your correct date of birth, and your residential address. Any mismatch here can cause an instant rejection or limit your loan offers from the start.
Step 3: Link Your BVN and Submit to Verification
The app will prompt you to enter your Bank Verification Number (BVN). This step allows QuickCheck to access your financial footprint from the Central Bank of Nigeria (CBN). After entering your BVN, you will need to complete a live facial verification. Ensure you are in a well-lit area with a stable internet connection. Network issues or server delays are common, especially during peak hours; if it fails, try again later in the evening.
Step 4: Apply for and Repay Your First Loan Promptly
Once verified, the app will display your eligible loan offer. Even if the amount is small (e.g., ₦2,000 – ₦5,000), accept it if you need it. The key action is repayment before the due date. Set an alarm or note the repayment date. The system is designed to trust users who demonstrate reliability with small amounts first. Repaying late or defaulting on this first loan severely hurts your chances of a limit increase.
Step 5: Maintain Consistent Financial Behavior and Re-apply
After successfully repaying your first loan, continue to use the app responsibly. Apply for subsequent loans only when needed and repay them early or on time. With each successful cycle, log back into the app to check for new offers. The limit increase is not automatic; you must initiate a new loan application to see if your eligible amount has been raised. Do not bombard the app with applications; space them out over weeks.
Alternative Methods
Since QuickCheck operates exclusively as a digital platform, there are no physical branches or agents to visit for a loan limit increase. The entire process is managed through their app. However, Nigerians who face specific barriers have a couple of practical alternatives to complete the required steps.
If you do not own an Android phone, your best alternative is to use a trusted friend or family member’s Android device to download the app, complete your registration, and apply for your first loan. Ensure you log out completely after each session for security.
Alternatively, you can visit a reputable cyber café in areas like Computer Village in Ikeja, Lagos, or similar hubs in Abuja or Port Harcourt. Use a café where you can privately perform the facial verification and ensure the app is downloaded from the official Play Store on their device.
For individuals whose BVN has issues—such as a mismatch in name or date of birth—the alternative is to first resolve this at your bank branch. You cannot proceed with QuickCheck or any other digital lender in Nigeria until your BVN details at the Central Bank of Nigeria (CBN) are correct and uniform across all platforms.
Common Problems and Solutions
Problem: “BVN Verification Failed” or “Details Mismatch” Error
This is the most frequent issue. It occurs when the name, phone number, or date of birth you entered in the QuickCheck app does not perfectly match the information linked to your BVN at your bank. A common example is using a shortened name like “Tunde” on the app when your BVN reads “Babátúndé.”
Solution: You must first correct your details at the bank where you registered your BVN. Visit your branch with a valid ID and request a BVN data update. This process can take 24-72 hours to reflect across all systems. Only after this should you re-attempt verification on QuickCheck with the corrected details.
Problem: “Server Error” or App Crashing During Facial Verification
Many users in Nigeria face this due to poor network connectivity from providers like MTN, Glo, or Airtel during peak hours, or temporary glitches on QuickCheck’s server.
Solution: Switch your connection. If you’re using mobile data, try connecting to a Wi-Fi network. Perform the verification very early in the morning (before 8 AM) or late at night when network traffic is lower. Ensure your app is updated to the latest version from the Play Store. If the problem persists for over 24 hours, it’s likely a system issue on their end; wait and try again later.
Problem: Loan Limit Not Increasing After Several Repayments
You’ve repaid two or three loans on time, but your eligible amount remains stuck at, say, ₦5,000.
Solution: First, ensure you are using the same, active bank account for all transactions. Secondly, limit your frequency of applications. The algorithm considers responsible usage, not desperation. Wait for at least 3-4 weeks and maintain a healthy bank account balance. The increase is not always linear and depends on broader financial behavior assessed from your transaction history via your BVN.
Fees, Costs and Timeline
Understanding the costs involved is crucial to avoid scams. Officially, there is no fee to apply for a loan or request a limit increase on QuickCheck. The platform makes money solely from the interest and one-off processing fee on disbursed loans. For example, a ₦10,000 loan for 30 days may have a total repayment of about ₦12,000, which includes the interest and fee.
You must be vigilant against unofficial fees. No legitimate QuickCheck agent will call or message you requesting payment for “verification,” “fast-tracking,” or “upfront processing” to increase your limit. This is a common scam in Lagos, Abuja, and other major cities. The entire process is automated and free.
Regarding timeline, after your first successful loan repayment, it typically takes 2 to 4 weeks of consistent financial behavior before you may see a limit increase. There is no fixed schedule; the system reviews your profile periodically. Any promise of an “instant increase” for a fee is fraudulent.
Warnings and Scams to Avoid
As you seek to increase your QuickCheck limit, be aware of prevalent scams targeting Nigerian borrowers. Staying informed is your best defense.
- Fake Agents and “Connection” Fees: Individuals on social media, WhatsApp, or even in markets may claim to be QuickCheck agents who can “manually increase” your limit for a fee (e.g., ₦2,000 – ₦5,000). QuickCheck does not use human agents for limit increases. The process is fully automated. Anyone asking for money is a fraudster.
- Phishing Links and Fake Apps: You might receive SMS or WhatsApp messages with links to “upgrade your QuickCheck account” or download a “new version” of the app. These links lead to fake portals designed to steal your BVN, bank details, and app login credentials. Only ever download the app from the official Google Play Store.
- Impersonation Calls: Scammers may call you, claiming to be from QuickCheck “Head Office” in Lagos, and ask for your OTP or banking details to “process your increase.” Legitimate QuickCheck support will never ask for your password, transaction PIN, or OTP.
Acceptance, Use and Next Steps
Once your QuickCheck loan limit is increased and you receive a disbursement, the funds are sent directly to the bank account you registered. The money is accepted anywhere in Nigeria that your bank card or account can be used.
You can withdraw it as cash from any ATM, pay for goods and services online or in-store via transfers, or use it for bill payments and airtime purchases. It is not a physical voucher or a card-specific credit; it’s liquid cash in your account.
Your next step is to maintain the trust you’ve built. Use the increased limit responsibly for genuine needs, not impulse spending. Continue to repay every loan on or before the due date. Consider setting aside a small portion of the loan for the repayment, so you’re never caught off guard. This consistent behavior is what leads to further increases over time.
Be aware of the limitations. QuickCheck is designed for short-term credit needs, not long-term financing or large business capital. The interest costs can be high compared to traditional bank loans, so it’s not ideal for prolonged debt. Your limit can also be decreased if you miss a payment or if your linked bank account shows consistent negative balances.
Frequently Asked Questions
How long does it take for QuickCheck to increase your limit after repayment?
There is no fixed timeline, as the system reviews profiles automatically. Typically, after 2 to 4 successful loan cycles with early or on-time repayment, you may become eligible for a higher limit. You must initiate a new loan application within the app to see if your offer has improved. Consistent financial behavior linked to your BVN is the key driver.
Can I increase my QuickCheck limit without BVN?
No, it is impossible. Your Bank Verification Number (BVN) is the mandatory cornerstone of verification for all legitimate digital lenders in Nigeria, including QuickCheck. It is required by the Central Bank of Nigeria (CBN) for customer identification. Any platform or person claiming to offer loans without BVN is operating illegally and is almost certainly a scam.
Why is my QuickCheck loan limit still low after many repayments?
A persistently low limit often stems from your broader financial history accessed via your BVN. Factors include a low average bank account balance, frequent overdrafts, or having multiple outstanding loans with other digital lenders (like FairMoney or Branch). QuickCheck’s algorithm assesses overall risk, not just your history with them. Improving your general account health can lead to increases.
Does QuickCheck check my credit bureau report?
Yes, indirectly. As a lender licensed by the CBN, QuickCheck has access to your credit information through your BVN. They can see your credit history from other institutions and your repayment performance. Defaulting on a QuickCheck loan will negatively affect your credit score with the Credit Bureau of Nigeria, making it harder to get loans from banks and other apps.
What is the highest loan limit I can get on QuickCheck?
The maximum limit varies per customer based on their profile strength. While some long-term, consistent users report accessing up to ₦500,000, most users see limits between ₦50,000 and ₦200,000. The highest amounts are reserved for users with a long, flawless repayment history, a stable income flow visible in their bank statements, and a strong overall credit profile.
I changed my phone number. How do I update it on QuickCheck?
You must contact QuickCheck support directly through the official channels in the app or via their verified social media pages. You will likely need to provide proof of identity and possibly your old number. Do not attempt this through unofficial WhatsApp numbers, as this is a common scam vector. Updating your number is crucial to maintain access to your account.
Disclaimer
This article is for informational and educational purposes only. The author is a financial content strategist and not a direct employee or agent of QuickCheck Credit Limited. Loan terms, interest rates, and eligibility criteria are set solely by QuickCheck and are subject to change. We encourage readers to always review the latest terms within the official QuickCheck app and make independent financial decisions. The Central Bank of Nigeria (CBN) regulates digital lending in Nigeria.