A simpler &
faster access to
quick loans

We are a digital lending application that offers microloans to
eligible users in no time and with little to no documentation.


Easy Credit Offers

Easy Credit

₦1,000 to ₦5,000

15% per month with minimum of ₦500 interest


3 - 15 days

Processing Fee


*Build your credit history with Irorun

Easy Credit Loyalty

₦1,000 to ₦10,000

15% per month with minimum of ₦500 interest


7 - 15 days

Processing Fee


*Must have at least 2 previous loans

Easy Credit supreme

₦50 to ₦499,998

0% per month with minimum of ₦500 interest


1 - 15 days

Processing Fee


*To get missing funds from ISW

Easy Credit free

₦1,000 to ₦20,000

10% per month with minimum of ₦500 interest


7 - 30 days

Processing Fee


*Must have at least 2 previous loans

Amazing rewards
for loyal customers

We value our customers and want to continue to help you
meet your needs. As you continue to get and pay back you
will have access to higher loans up to N50k with 10%
interest. We also offer gifts on your birthday and for
referring other users to sign up and get a loan.

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Interest free loans

For our most loyal customers who need urgent
assistance with a little cash. 0% interest on your
loans for a short period.


Airtime & Bill

With only a few clicks on your smartphone, you can
pay all of your bills and top up your airtime at the
lowest possible cost.

two phones

Ethical behavior (no harassments)

We are your friends

We will never misuse your data, resort to shady debt collectors or harass your friends and family. If you are having issues with your repayment just reach out to us. We are always here to help.

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What others are
saying today

This is the best loan app I ever experienced, they have lower interest rate with longer duration. If you are looking for a good and reliable loan, go for "Irorun loan", just as the name apply "Irọrun" (easily).

Olagoke Holo

30th July, 2023

Irorun is a great option for borrowers who are looking for a low-interest loan. The app is easy to use and the customer service is good. I would definitely recommend Irorun to anyone who is looking for a short-term loan.

Oluwadara Ajao

20th July, 2023

I am delighted to express my appreciation for the Irorun app, which offers a user-friendly interface and delivers a seamless experience to its users. The ease of use provided by the app greatly enhances the overall experience, making it convenient and straightforward for borrowers to navigate through the lending process. Irorun's commitment to creating a smooth and hassle-free user experience is commendable and sets them apart from other lending apps.

Adelaja Oluwaseyijeje

9th June, 2023

I suggest you download it. Very seamless in my opinion. Hasn’t given me any problems so far especially knowing that often times things in Lagos can be especially frustrating. I love the app

Kimberly O A

6th June, 2022

Frequently Asked

Getting a Loan

Repayment & Transactions

Card Issues


What do I need to get a loan?

Getting a loan with Irorun is as easy as ABC if you take the following simple steps:

  1. Download the app or sign up on the web app
  2. Provide your next of kin
  3. Update your address
  4. Add your government-issued ID
  5. Add a debit card
  6. Apply for the loan

As a general note

  1. Don't request more than you are capable of repaying
  2. Don't lie on your application; you would be found out, barred and may be reported for fraud

If your loan got declined, it may be one of these reasons. If you think this was wrongly done, you can engage with the Customer Support team right on this chat.

What interest rates are charged?

Please be informed that our interest rate is N1,000 flat on the principal amount. This implies that on every loan amount/offer that you apply for, the N1,000 interest rate will be added upon repayment i.e. you are to repay N6,000 for a loan amount of N5,000 received.

Must I be employed to be qualified for a loan?

No you don't need to be employed to be qualified for a loan but you must have a valid source of income that will show you are able to repay the loan as and when due.

How long does it take to get your loan approved?

Our loan decision process usually takes about 24 hours [or longer during weekends] before updating your loan status.

If your loan status has been pending for more than 24 [or 72 hours] hours please reach out to us on the app or at support@irorun.com to look into it.

Kindly exercise patience as we review your loan application.

How many loans can I have at once?

On Irorun you are only allowed to have one active loan at a time. If you would like to get another loan you must repay your current loan first. Applying for another loan immediately after you've just repaid your loan might cause the system to find you ineligible as our system can take up to 24 hours to process and resolve your repayment.

If after 24 hours you are still ineligible for a loan please reach out to us on the app or at support@irorun.com to look into it.

How can I get higher loan amounts?

For you to have access to higher loan amounts you must show evidence that you will be able to repay the loan by applying for a lower loan amount and repaying it. For example if you pay back your first two loans, you would be able to get ₦10,000 with a longer time to pay back.

And it doesn't take that long to have us trust you with even much more. If you need further assistance, please email support@irorun.com. If after 24 hours you are still ineligible for a loan please reach out to us on the app or at to look into it.

Reasons why loans get declined

Here are the 5 most common reasons for why loans get declined;

  1. You've delayed in paying back previous loans

    Not paying back your previous loans, even with other lenders, on time affects your ability to get new loans with Irorun. We encourage you to be prompt with loan repayments or contact support if you are experiencing difficulty paying back before the due date.
  2. Poor selfie image

    Your selfie must be good quality in a well lit room. Our algorithms can detect when you didn't take a selfie and have taken a snap of another picture.
  3. Invalid ID card

    Irorun requires a valid ID which must have been issued by a government such as an international passport, drivers license, Voter's card, National ID card and NIN slip. We don't accept company ID cards, association ID cards, etc.
  4. Bank card issues

    You will be repaying your loan using your debit card so ensure this is a card that works. Additionally, your card must be valid beyond the date when you want to make your last loan repayment. Furthermore, we only accept Mastercard and Visa debit cards; Verve cards are not acceptable.
  5. Mismatch in BVN and Selfie image

    We AI compares your selfie images to your BVN image and also the images on all the ID documents you have provided. Kindly follow the guidelines for uploading your selfie image to improve the chances of your loan getting approved.
If your loan application is not affected by these reasons and your loan request was still declined, you can email us at support@irorun.com. If you love to chat, we are right there within the app, just go to “Accounts” and click on “Chat” - someone is usually available to provide assistance. And don't forget you can also call us on +234 1 700 5288

Download now

1B, Church Street, Off Ilo-Awela road, Ota, Ogun State.