A simpler &
faster access to
quick loans

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.

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.

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.

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.