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.

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Easy Credit Offers

Easy Credit

₦5,000 to ₦10,000

15% per month with minimum of ₦500 interest

Tenor

7 - 15 days

Processing Fee

₦400

*For first time applications
Easy Credit Loyalty

₦5,000 to ₦20,000

10% per month with minimum of ₦500 interest

Tenor

7 - 30 days

Processing Fee

₦400

*Must have at least 2 previous loans
Easy Credit supreme

₦5,000 to ₦50,000

10% per month with minimum of ₦500 interest

Tenor

7 - 30 days

Processing Fee

₦400

*Must have at least 5 previous loans
Easy Credit free

₦5,000

Zero interest

Tenor

7 days

Processing Fee

₦400

*Must have at least 5 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
Payment

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.

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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

Very friendly app. Good and respond on time. Highly recommended to anyone who needs loan. Hoping to get my account funded soon.

Tolex Biokelvin

1st March, 2020

This is a great app. Surprisingly they even give huge cash birthday gift to users. It's worth your time and services for real, speaking from experience. Thank you Irorun.

Favour Samuel

22nd December, 2020

Irorun is a great loan app. Loan disbursements is very swift. I'll recomend it to others. Just work on increasing customer's credit limit.

Mimi Kon

9th December, 2020

Frequently Asked
Questions

Getting a Loan

Repayment & Transactions

Card Issues

Others

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 N1000 flat on the principal amount. This implies that on every loan amount/offer that you apply for, the N1000 interest rate will be added upon repayment i.e. you are to repay N6000 for a loan amount of N5000 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.

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

It’s available on both the Apple App
Store and the Google Play Store

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