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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.

Hello Rockstar!! 

How’s the economy at your end? We understand these days might be tougher than others and we thought to bring some light to the beginning of the tunnel.

If you ever get stuck in a situation where you need that extra help to fulfill your loan obligation, you can always turn to family and friends to help (well, those that have money to spare) and as such we give you 3 ways your friends and family members can help you pay back your loan with Irorun.

Read more: [What influences the interest rates for loans](https://irorun.com/blog/what-influences-the-interest-rates-for-loans)

## Direct transfer
When you are in need of money to pay back your loan and have had a nice long discussion with that Uncle (or friend) that wants to help, you can send them your bank account details so that they can directly send you the money.

From there you can now wire the pending loan amount to your Irorun virtual account. This is everyone’s choicest method, the individual gets in touch with a friend or family member who’s kind enough to offer help, and they send the money to them so that the individual can make the payments themself.

Read more: [Who are the credit bureau and what do they do](https://irorun.com/blog/who-are-the-credit-bureau-and-what-do-they-do)

## Share your Irorun virtual wallet
This method can work well alongside direct transfer. Instead of asking a friend or family to send the money to your bank account, you can simply provide them with your Irorun-issued virtual account number. They can directly send the money to your virtual account and then you can pay it back with ease. This method is especially helpful as a means to avoid any extra transfer charges your bank might slap you with.

## Share your payment link
Another method others can use in helping you pay back your loan is the payment link method. This link takes the friend or family to a webpage created for the specific purpose of paying money into your Irorun virtual account. A payment link is usually single-use, so it can’t be used more than once.

Read more: [4 ways to repay loans on Irorun](https://irorun.com/blog/4-ways-to-repay-loans-on-irorun)

Payment links tend to have many purposes but in this sense, [they offer an individual a way to clear up a loan debt](https://irorun.com/blog/mistakes-you-must-avoid-when-paying-off-debts). Remember, if you ever get stranded in paying back a loan at Irorun, you have the option to share the payment link with a friend or family member willing to help you out.

…

At Irorun, we understand that some days are tougher than others and you can have great intentions to pay back your loan, but life just happens.

We urge that you don’t keep us in the dark or be unruly to us, send us a message at [support@irorun.com](mailto:support@irorun.com) and find out the options available to you.

Best of luck rockstar!

3 ways others can help you to pay back your loan


As you dey plan for money…na so money sef dey plan for you! 

Have you ever been in a position where you’ve saved up a particular amount more times than you can count?

You save. Obinna needs money to buy a lecturer’s handout. You spend.

You save again. Mama falls sick. You spend.

You save AGAIN! Water from the flooded streets of Lagos knocks your car engine. You spend.

Frustrating right?

When it comes to loans… you may be tempted to run away…

This is your reassurance that GOOD lenders ([like Irorun](https://irorun.com/)) understand that LIFE HAPPENS to everyone and even when you plan to repay on the due date, an unplanned emergency could pop up and you hit a roadblock. If this happens to you, there’s no need to panic or abscond (you’re not a thief are you?!).

Take a deep breath and follow the steps below to make informed decisions that’ll get you out of financial muddy waters in no time…

## Contact the lender immediately
The first instinct most people have when they realize they are unable to pay back their loan on time is to panic, dread and hide. While this might be a natural response, it does more harm than good.

They sit, fret and wait for the lender to call and ask why they haven’t paid their debt or inform them of the seizure of their collateral.

This is what most people go through, but you are not most people and can avoid this. It’s quite simple, when you get into a tight situation that’ll deprive you of meeting the repayment date, it’s now time to make that ‘bound-to-be-uncomfortable’ but ‘needed’ CALL to the lender.

Explain your situation to them with sufficient evidence, so they don’t think you are trying to skip on your payment. Informing them of your struggles on or after the due date makes you seem like a fraud, so contacting the lender and keeping them informed shows a level of trustworthiness they might not have known existed. (Don’t blame us! We are used to super-stories from borrowers too).

## Ask for a grace period
The next thing you should do when you can’t make loan payments on the due date is to ask for an extension AKA GRACE PERIOD.

Now that you’ve contacted the lender and explained your situation, you can ask for a grace period as a means to smooth out any problem affecting loan payment.

Depending on their terms, lenders may grant a grace period of 0 to 30 days after the due date.

During this extended period, you will be free to work through your financial difficulties, and here’s something really interesting — when you resume debt payment you won’t be asked to pay a late fee. (See why honesty is the best policy!). The grace period also gives you a chance to restructure your loan with the lender and agree on terms that are fit for you and the lender.

## Restructure your loan terms
Restructuring the terms of your loan can take the form of reduced interest rate, extended repayment period or reducing the remaining balance. (Plenty of options available for you!)

It will give you some relief and make it easier for you to repay your debt. It could be temporary or permanent. Temporary restructuring is such that your terms will be adjusted for the period you are facing problems while permanent restructuring is such that your loan terms are adjusted and the adjustments are kept even after your problems have been solved.

## Budget and save towards clearing up debt
Once your loan has been restructured…

The panic dies down and you relax back into your any-how money routine.

No! Don’t do that.

Now would be the time to swiftly get your finances in check and pay back your loan. And you do that by strict budgeting, that’ll allow you to save up enough to clear up your debts within your grace period.

Remember that for the duration of your grace period any debt paid off will not attract a late fee.

And while it may entice you to look for get-rich-quick investments, you should not succumb to the temptation, as a high-risk investment is another means to splurge your money and end up in the financial trenches. AGAIN! (Suffer nor dey tire you?).

## Pay your debt
Well, this speaks for itself. Doesn’t it?

Once you’ve followed the above steps; contacting the lender, asking for a grace period, restructuring your loan terms and budgeting to save up, you can now pay your debt with ease.

The lender will thank you for it and might even sneak your name into the responsible borrowers’ list. [Here’s a way to know how you can make that list](https://medium.com/@Theirorunapp/are-you-a-responsible-borrower-6564b24a9e6a).

A rule of thumb is to always clear up pending debts before your grace period elapses. It not only boosts your credibility but also your loan worthiness for the future. 

…

As always, Irorun will always get you out of sticky financial crises with our never-ending curated information just for your consumption!

We’re always happy and available to offer you expert advice and opinions…

Shoot us a message at support@irorun.com for more clarification on what to do when you fall short on repayment!

What to do if you can’t repay your loan when due

Life has a funny way of throwing curveballs just when you think you’ve got everything figured out. You’ve paid your rent, handled the school fees, and sorted out the essentials. Then suddenly, your phone runs out of data during an important meeting, or you realize you’re out of fuel on your way to an appointment. N10,000 may not seem like a lot to some, but in these moments, it’s the lifeline that keeps your day on track.

In today’s world, having access to a small, quick loan can be the difference between resolving a minor inconvenience and spiraling into a bigger financial mess. With a growing number of Nigerians looking for ways to manage unforeseen expenses, getting a fast N10,000 loan is more relevant than ever.

## What can 10,000 naira do for you?
Let’s face it: N10,000 won’t change your entire financial situation, but it can definitely save you from a few headaches. Whether it’s topping up your electricity meter, paying for unexpected transport, or restocking groceries, having a bit of extra cash on hand can provide much-needed breathing space.

Let’s break it down:

### Medical emergencies
Perhaps a family member falls ill unexpectedly, and you need to buy medications urgently. 10,000 naira can help you avoid delay, allowing you to quickly get the care or medicines you need.

### Household expenses
Imagine running out of electricity or gas, and payday is still a week away. With N10,000, you can keep the lights on or prepare meals without borrowing from friends or family.

### Transport costs
Whether it's an urgent trip to handle a family issue or a need to get to work, unexpected transport expenses can throw a wrench into your plans. That quick loan of N10,000 ensures you don’t miss important appointments.

### Phone/data refill
In today’s digital age, being without data can stop many of our daily tasks, from work to personal communication. A small loan like this can ensure you stay connected when it matters most.

When you think about it, N10,000 is more than just a number; it's the reassurance that you can handle minor crises without derailing your budget. [According to recent reports](https://blogs.worldbank.org/en/opendata/nigerias-dichotomy-low-unemployment-high-poverty-rates), access to a quick N10,000 loan could be the key to navigating through a tough week in a country where the unemployment rate hovers around 33%. It’s not about luxury. It's about survival and stability when life’s uncertainties strike.

## Where can you get an urgent 10,000 naira loan?
[Irorun](https://irorun.com/), which means "peace of mind" in Yoruba, offers a smooth loan process ranging from N1,000 to N50,000. You don’t need any collateral or extensive paperwork, just basic information, your BVN, and a valid ID. With a flat interest rate of 15% and a small processing fee, Irorun is perfect for anyone who needs fast cash with minimal hassle. Plus, the money is disbursed in minutes, with repayment periods of up to 30 days.

## Why choose Irorun?
While there are plenty of platforms offering quick loans, Irorun’s simplicity and accessibility make it a top choice:
- Minimal requirements: You only need your BVN, valid ID, and some personal details — no lengthy paperwork involved.
- Inclusive: Whether you're employed, self-employed, or temporarily unemployed, Irorun makes loans accessible to everyone.
- Round-the-clock access: Irorun operates 24/7, meaning you can apply for a loan whenever an emergency strikes.
- Multiple channels: You can access loans via our [mobile](https://play.google.com/store/apps/details?id=com.irorun&hl=en&gl=BM) and [web app](https://app.irorun.com/).

## Get 10,000 naira loan for when you need it the most
Unexpected expenses don’t have to derail your financial stability. [With Irorun](https://lendsqr.com/lenders/irorun), you have a reliable solution at your fingertips, whether you need a small loan of N10,000 or more. Irorun's flexible lending options ensure you can tackle unforeseen costs without added stress or delays.


Need an urgent 10,000 naira loan? Here’s where to get it

Ho! Ho! Ho! 

It’s the holidays and as you know MONEY makes the holidays even more fun right?

As always, Irorun wants all her Rockstars to make smart financial choices even during the holidays and that’s why we’ve carefully handpicked ways you can responsibly use a loan this holiday season

Check them out

## Determine the amount of money you need
It may seem very tempting to borrow more than what you need even if it wasn’t the holiday season. That’s why you have to stay strong and think it through with your head and not your heart.

Take the time to make proper calculations and beat down any form of long throat. So, you need to determine the amount of money you need and borrow only what you can realistically afford to pay back.

## Consider the loan term
The loan terms may just be the most important aspect of a loan and what you should put your focus on when taking out a loan, especially during the holiday season.

Always take the time to look through the loan terms properly and make inquiries about what you don’t understand. Never let your lender rush you through the loan terms as that may be a sign they are hiding something from you.

Consider the terms of the loan, including the interest rate, processing fees and the repayment schedule when you want to take out a loan.

## Compare loan offers
Don’t just pick the first loan offer that comes your way. Put in the effort to compare different loan offers, and remember that lenders have different loan packages and there will always be one that will fit you perfectly (or near perfect). Don’t let the rush of the holiday push you into settling for just any loan.

Every loan offer is different in one way or another, so compare them and find the best option for you.

## Avoid loan default
You should never make any plans to take out a loan with thoughts of defaulting on your mind. There’s a lot that could go wrong. Plus that’s wickedness na!

Make sure you understand the consequences of defaulting on the loan, including penalties, credit score damage, blacklisting etc. As you plan to take a loan for the holiday, ensure you include the loan repayments plan as well. There’s life after detty December.

## Make a budget
You can never go wrong with the good ‘ol budget plan. A budget can help you get all your expenses in order including your loan repayments.

Plan a budget for the holiday season and stick to your budget to avoid overspending and financial strain. The holidays naturally come with a lot of expenses and a hike in prices. Luckily, with a budget, you’re assured of a sustainable plan to help you maintain your finances and keep you in check while having a good time.

…

We wish you a happy (financially smart) holiday and as always, send us a message at support@irorun.com and let’s get you started on the holiday loan that’s just right for you!

How to responsibly use a loan this holiday

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Irorun Blog

3 ways others can help you to pay back your loan

What to do if you can’t repay your loan when due

Need an urgent 10,000 naira loan? Here’s where to get it

How to responsibly use a loan this holiday

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