Get quick loans to meet your urgent needs

We value and reward loyalty and consistency

Exclusive interest free loans for our VIP customers

We work with you, for you, and never against you

Whether you need N50,000 tomorrow or an urgent N2,000, Irorun is the best loan app to provide that instant relief.

We value our customers and want to continue to help you meet your needs. As you continue to repay your loans from Irorun, you will have access to higher loans up to N50,000 with the lowest interest rates in the market. We also offer gifts on your birthday and for referring other users to sign up and get a loan.

We recognize our most loyal customers by offering them exclusive benefits, including 0% interest on urgent loans for a short period.

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.

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.

Hey there Rockstar! Today we’ve simplified the Irorun loan application process into 5 simple steps.

Come along let’s help you get your first loan:

## Set up your account
Visit the Irorun website and follow the prompts to either download any of the apps and sign up or just sign up directly on the web app. Once you are signed up successfully, you also need to do the following as they are mandatory requirements to apply for a loan:

## Update your address and also add the details of your next of kin
Add a government-issued ID card such as a drivers’ licence, international passport, etc.
Add a valid and active debit card. We usually accept only Mastercard or Visa debit cards
Now you’re ready to apply for a loan with Irorun.

## Apply for a loan
With the Irorun app installed on your device (or you may be registered on the web app), it’s time to get your first loan.

## Log on to your dashboard and click on the “Apply for a loan” icon.
- Fill out the application form: You’ll be shown an application form, in which you’re required to fill in your relevant personal data. For example, name, age, email address, valid ID card, bank verification number etc.
- Assess the form thoroughly and ensure you fill in the correct data.
- Submit loan application form.
- Complete the final verification process

Once you have submitted your loan request, it would be in pending status. You would then get an email from Irorun stating that your documents have been received, however, you would need to speak with the Irorun loan team to complete the final stage of verification. The number to call would be in the email sent by Irorun. This final stage is necessary to help us curb the issue of identity theft or lending to scammers using the identity of innocent and unaware individuals.

Please note that leaving a voicemail or voice message does not count as a call to the Irorun representative.

## Kindly wait for our feedback email
Once you’re done with the final stage i.e the phone call verification, look out for one final email with either an approval or denial of your loan request. This final email will only be sent to you if you have completed the phone call verification.

Kindly note that Irorun operates on an algorithm-driven database and this means that after your credit profile is vetted, you’re matched to the loan option that is the best fit for you.

…

For further questions and assistance send us a message at support@irorun.com!

A simple guide to the Irorun loan application process


Do you have vex money?

Do you have anything-fit-sup money?

Do you have extra-flex money?

Hmm…you have none? Not to worry, [Irorun](http://irorun.com/) has you covered. This article will show you actionable tips for saving an **emergency fund.**

Any amount of money kept separately and used to cover the expense of unexpected situations is an emergency fund.

Life is unpredictable and situations (even ones that you are prepared for) can pop up at any time and surprise you. For instance, in a situation where one loses their job, an emergency fund allows them to live well for a few months while on the search for a new job. It’s almost like insurance for any “what-if” situation that arises.

Living without an emergency fund is similar to living on the edge — the “financial” edge, hoping that you won’t run into any unexpected situation. (That’s very unlikely though).

Being prepared with an emergency fund gives you the confidence that you can tackle any situation life throws at you without stressing about your finances.

Here are a few tips to help you start saving with ease:

## Set a monthly/weekly savings goal
Setting up an emergency fund could be likened to budgeting. You calculate all your expenses and set aside an amount for your emergency fund.

You can give yourself a realistic goal, say #20,000/month or #8,000/week. Giving yourself a goal to work towards allows you to put more effort and consideration into creating that emergency fund. We’re cheering for you! 

## Automate your savings
Another tip to help you save for an emergency fund is using the power of technology by “Automatic saving”. You can set up a standing order for a set amount of money to be transferred into your emergency fund account. This way, even if you forget to transfer into the account, your standing order will ensure that money will be transferred into your emergency funds account. See how seamless it is to save money these days.

## Check for extra money that can be added
In today’s highly inflated and recessive economy, it could be hard to squeeze out extra money when you’re trying to live comfortably. Yes, it may be hard doesn’t mean it’s impossible. Every amount helps whether it’s a gift (in the form of money), employee bonus or relief package. These extra cash could be added to your savings especially if you do not have an immediate need or use for them. Money left over from buying your necessities can also be added to boost your emergency funds. The goal is to be financially ready for any August visitor.

## Keep your funds accessible
Your emergency funds are exactly for that — Emergencies so you should keep them in a place where they can be easily accessible to you when you need them but do try to keep them in a place where you can hold off the temptation of using them. Taking from your emergency funds once can lead you to take from it multiple times. Fight the temptation, ma’am!.

## Cut down unnecessary expenditure
As we mentioned in the beginning, setting up an emergency fund can be likened to budgeting, this means that there is a need for you to cut down on expenses that eat into your finances.

“No one knows tomorrow” that’s why even the wealthy save. Those extra expenses(phone upgrade, restaurant hopping, etc…) can be halted for a moment until you’re able to build a habit of saving for a rainy day.

…

At Irorun, we’ll not only show you how to borrow with ease but also how to make the best financial choices.

Send us a message today at support@irorun.com!

Tips for saving an emergency fund

We’ve all been there. It’s mid-month, and your wallet feels lighter than a feather. You think you’re good until you remember your transport budget is spent, the stove’s out of kerosene, or you get a call about an unexpected bill. Suddenly, that small 5,000 naira becomes the difference between calm and chaos.
But in a country with a minimum wage of N30,000, N5,000 might not sound like much. Still, when life happens — and it often does — this “small” amount can feel huge. And for many Nigerians, having quick access to just 5,000 naira could make all the difference. It’s the lifeline that keeps your day running smoothly or helps you manage an unexpected crisis.

## What can 5,000 naira do for you?
Don’t let the number fool you. N5,000 can stretch surprisingly far. Imagine needing medicine at the pharmacy or a last-minute grocery run. Maybe you’ve run out of gas for cooking, or worse, you need urgent transport to an important meeting.
These aren’t “luxury” expenses but essential ones. And with N5,000, you can cover those emergency needs without digging into funds meant for rent, school fees, or other significant expenses. It’s the cash buffer that helps you keep things on track when life throws a wrench into your carefully planned budget.
[According to a recent report, about 40% of Nigerians live on less than N10,000 per month](https://www.thisdaylive.com/index.php/2024/06/07/bagudu-despite-economic-growth-40-of-nigerians-still-live-below-poverty-line/), which makes N5,000 significant for short-term relief in tight situations. It’s not about reckless spending. It’s about preparing for life’s little surprises.

## Where can you get an urgent 5,000 naira loan?
True to its name, which means "peace of mind" in Yoruba, [Irorun](https://irorun.com/) offers a hassle-free way to get a loan ranging from N1,000 to N50,000 without collateral or extensive documentation. You can apply through our app or website, and your loan will be disbursed in minutes. Irorun’s flat interest rate is around 15%, with a processing fee of N400. The repayment period is flexible, ranging from 3 to 30 days. It’s designed for Nigerians who need quick access to credit without jumping through hoops.

## Why choose Irorun?
Irorun stands out from the crowd not only because of its simplicity but also due to its customer-centric approach:
- No documentation: Just your basic details, BVN, and a valid ID. No need for cumbersome paperwork.
- Available for anyone: Irorun caters to all, whether you’re self-employed or working full-time.
- 24/7 online access: Get a loan anytime, anywhere — no waiting for business hours.
- Multiple channels: You can access loans via mobile and web app.

## What if you can’t get a loan from Irorun?
Irorun understands that sometimes, one may not qualify for a loan due to circumstances like poor credit history or insufficient verification. However, we don’t leave you hanging. We recommend other trusted platforms like [SnapCash](https://lendsqr.com/lenders/snapcash), [Urgent10K](https://www.urgent10k.ng/), and [Blocka Cash](https://blocka.cash/), ensuring you can still find the funds you need. This dedication to helping customers, even when they can’t assist directly, sets Irorun apart.

## Get 5,000 naira loan now!
Help is just a few clicks away. Whether you need N5,000 or more, [Irorun is here to support](https://lendsqr.com/lenders/irorun) you with hassle-free access to quick loans, keeping you focused on what really matters.



Where to get 5,000 naira urgent loan

What have you heard about credit reports?

If you’d like to know more…then you’re welcome

First, let’s see what it means…

A credit report is a thorough examination of your credit history prepared by a credit bureau. Credit bureaus gather financial information about you and use it to generate credit reports, which lenders use along with other details to determine your creditworthiness.

In the same sense, you could simply say a credit report is a summary of your past and current credit information. Your credit report may be regarded as a dependable friend or a looming shadow it all depends on the status of your credit accounts at the time and the history of your bill and loan payments. This means that a dirty financial past may turn the ever-dependable credit report into a dark shadow hanging over you.

The process of applying for a loan may seem overwhelming if your financial past has been bumpy. You can prepare for what to expect by knowing what information is on your credit report and how it affects your credit score.

What information appears on your credit report?
Let’s take a look at what’s inside the credit report.

Credit reports contain a wide range of financial information peculiar to you. The following information is frequently found on a credit report, regardless of the credit bureau.

## Personal information
Identifying information, such as your entire name (and any alternative names you may have used in past credit applications, such as surnames before marriage, and your name without your middle name.)

It also contains information such as your birth date, current and previous residences linked to your credit accounts, phone numbers linked to your credit accounts, current and previous employers you’ve listed on credit applications, and more.

This information helps in the confirmation of your identity and to prevent fraudulent acts from being carried out with your identity.

## Accounts
The credit report contains information about your current and historical credit accounts from the last seven(7) to ten(10) years, including installment accounts (loans), the name of the creditor/lender, the opening date and/or closure, the status (such as current or past due), the credit limit (for credit cards) or loan amount, your payment history, and so on.

## Inquiries
Additionally, your credit report contains details about the organizations — loan companies included — that have viewed your report as well as the dates and times of those accesses.

## Information that does not appear on your credit report
Credit reports contain a lot of information, but they also exclude some personal and financial details. Here are a few details you won’t ever find on your credit report:

## Marital status
An individual’s past or present marital status has no place in their credit report. Apart from it being deeply personal and intrusive, it’s not a suitable measure of an individual’s financial status (good or bad) and therefore, has no effect whatsoever on one’s credit score.

## Income
One’s income from their place of employment is also not included in a credit report. Although some lenders require such information before making a loan application decision.

## Bank account details
The credit report also doesn’t contain an individual’s bank account details. However, certain details, such as your bank account statement are considered by a lender when reviewing a loan application. This confirms one’s cash inflow and outflow and helps the lender determine if the client can afford the loan.

## Education
The educational level or history (past or present) is not included in a credit report. So don’t worry if you crashed out of the university, it has no bearing on your creditworthiness. What must be noted is the individual’s age, as any loan application is only legal for persons aged 18 and above.

…

As always, Irorun brings the most useful information to you and is further available to answer your questions and offer assistance in securing your first loan, send us a message at support@irorun.com!

What is a credit report and what can be found on it

Irorun is your go-to instant loan app in Nigeria for immediate relief. Need {{amount}} today? 

Apply now and enjoy the fastest service available.


Get {{amount}} for {{period}} {{period_type}} Instantly for Your Urgent Needs



Sign up to Irorun and get an {{amount}} loan for {{period}} {{period_type}} to meet your immediate needs without documents or collaterals. Get disbursed in minutes.

Get ₦10,000 for 30 Days Instantly for Your Urgent Needs

Irorun Blog

A simple guide to the Irorun loan application process

Tips for saving an emergency fund

Where to get 5,000 naira urgent loan

What is a credit report and what can be found on it

Download now