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Whether you need N50,000 tomorrow or an urgent N2,000, Irorun is one of the top loan apps in Nigeria, helping you borrow money online easily, and with low interest.

At Irorun, we understand your needs and, as you continue to repay your loans, we reward loyal customers with higher loan limits up to ₦50,000, low interest rates, and exciting perks like birthday gifts and bonuses for referring friends to borrow easily and meet their financial needs with us.

We reward our loyal customers with special perks, including interest-free loans for a limited time, so you can meet urgent needs without worrying about high interest rates.

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.


Have you ever found yourself with money that you didn’t need anymore? I doubt it. We all need money.

How about a loan you didn’t need urgently anymore?

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Now, Imagine a scenario like this:

A health emergency comes up and the bills are due soon. You decide that the best thing to do at that moment is to apply for a small loan, that’ll help clear up the hospital bills.

You find a responsible lender, apply for a loan and days later your loan is approved and sent to you…

But moments after, you receive a message from a family member telling you that they’ll pay the bill.

That’s great but now you’re stuck with a loan that you no longer need, what do you do?

In this case, there are only two things that can be done, and this article will show you.

You can decide to:

## Return the money
From the moment you sign the loan document, a binding contract exists between you and the lender. And every contract has terms attached to them including terms of dissolution.

This means that to return the loan amount without repercussions, you must read the fine print of the loan terms and ensure your lender is good with the new situation. Don’t transfer the money to your lender without proper documentation and agreement on both sides!

Your lender has most likely gone through a lot of effort to get your loan to you and as such, they want to be paid for their time, this is where the origination fee comes in. It’s taken from your total loan amount (i.e. if you borrow #20,000 and the origination fee is #2,500, you will be given #17,500, but you’re to pay the full loan amount of #20,000). Again, read the loan terms and make informed decisions.

There’s also a possibility of a prepayment penalty (if specified in your loan terms) which usually takes the form of a percentage of the loan balance or the interest rate that will be missed out by the lender. (This prepayment fee varies from lender to lender). [Read more on other loan fees including prepayment fees.](https://creditnigeria.com/types-of-loan-fees)

## Spend the money
Knowing that you may have to put in additional money on your loan if you prepay(i.e pay before your repayment date) might convince you to spend the money on something else. This isn’t a bad idea as long as you’re willing to meet up with your repayment date.

If you have taken out an unsecured loan, your lender is not concerned about the end goal of the loan amount, so you have free rein over how you choose to spend the loan. They’re only concerned when you fail to meet up with your repayment date. In cases where one fails to pay back their lender and tries to outsmart them, they’ll be reported to the credit bureau and their credit score will take a hit. [Here are some of the consequences of loan default.](https://medium.com/@Theirorunapp/consequences-of-ignoring-your-loan-obligation-e2ffb939c601)

With a secured loan, your valuables that were placed as collateral will be at stake if you default on your loan. Any attempt to skip out on a loan puts you and your guarantor (if for any reason you needed one to qualify for the loan) in trouble which will affect both your credit history negatively.

…

As always we want you well-informed before any key financial decision is made. Remember, whatever you decide has to be in line with the loan terms you had with your lender.

If you have any questions please send us a message at support@irorun.com!

What happens when you take out a loan but don’t use it?

Jingle coins…Jingle coins…Jingle all the way (to the bank) 

As the holidays are fast approaching, we’ve curated 5 money mistakes you should avoid this season

Dive in!

## Impulse buying
There are a lot of people who believe that holidays are a perfect time to spend money on miscellaneous items due to rapid inflation in prices, the thought process is usually “I don’t know how much it would be after the holiday so let me just buy it now.” Irorun is here to tell you to relax.

When the urge to buy every random item crosses your mind, fight it! You’re not missing out on anything.

Satisfying every “buy me” impulse may leave you broke before the holidays are even over. Be a little intentional about curbing those impulsive habits, to avoid regret and unchecked expenses.

## Having no holiday budget
A sure way to curb impulse buying during the holiday season is to set a realistic holiday budget that covers all your major expenses for the season. This holiday budget will help you put a check on your spending limit.

Having a holiday budget will give you that sense of responsibility that you didn’t even know you needed and that’s why you need one (because life doesn’t end at the holidays). Having no budget affects your thought process, it becomes a free-for-all, and you just might end up struggling to keep up after the holidays are over.

## Not saving for January 35th
We can’t be the only ones to have noticed that the days after the holidays seem to stretch on forever and seem to have a lot of expenses piled up (It’s like the universe has decided to punish you for having too much fun). You seem to realize that in your bid to enjoy the holidays to the fullest you are left with nothing and are now struggling. God forbid! Abi? That’s where budgeting comes in. Remember, when making a budget, you are always advised to set aside some savings. January has 35 days o!

One piece of advice we’d love to give you regarding saving is this — Don’t just save for the rainy days with cloudy skies, save for sunshiny days with clear skies too.

## Don’t get lost in the holiday spirit
Many holiday decisions are made under the influence of the “holiday spirit”. It’s easy to get lost in the bubble and fritz of the holiday and that’s why some people only decide to travel and visit family during this period. For someone who is trying to survive till after the holidays, this would mean extra expenses for you. Village people would want more than greetings o!

Unless you have enough to spare for a holiday trip, you shouldn’t be taking one on a whim. Even when others travel for holiday adventures in other parts of the world doesn’t mean that you should.

Imagine getting stranded in another state or country because in the ‘spirit of the holiday’ you wanted to visit some random family member or go on an adventure without making plans for it. Ha! don’t do it!

## Hosting the Joneses
Say it out loud “I’m not at home!”

We know that sometimes it’s hard to outrightly say ‘no’ when asked for a favour from family or friends. But sometimes learning how to say “no” saves you from unplanned and burdensome expenses.

Take, for instance, a family member or friend suggests “spending the holiday with you”. Although it seems like a nice holiday gesture, it would be best to decline if your finances cannot accommodate so much at that point. Taking on extra expenses in a bid to “save face” may cost you more than you expect.

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It’s the festive season soon and as always, we want you to make great financial choices and plans in preparation for the new year.

Irorun is still in the business of providing the best loan options. Send us a message at support@irorun.com to find out more.

5 money mistakes to avoid this holiday

Having a regular 9-5 job always looks like the safer option compared to hustling full-time. On paper, a monthly salary should bring stability, help you plan ahead, and shield you from constant financial uncertainty. But the truth is many salary earners know this is far from reality. Salaries are sometimes delayed, bills don’t wait, and responsibilities (from rent and school fees to medical emergencies and family support) usually come before the end of the month. In many offices across the country, you’ll hear colleagues joke about how their pay is already “finished” before it lands.

This is why loan apps have become such an important financial tool for employees. They provide quick cash in between pay cycles, covering urgent needs and helping workers manage their finances without having to beg friends or family. For some, loans are even the bridge that keeps small side hustles alive until payday.

## What matters when choosing a loan app as a salary earner
Not every digital lending platform is built for workers on fixed incomes. The best apps for 9–5 employees are those that recognise the rhythm of a monthly salary and offer repayment options that fit into it. Disbursement speed is super important because salary earners often need money for emergencies that can’t wait. Flexibility also matters, especially with repayment plans that allow workers to settle debts directly after payday without falling into default. Above all, transparency is non-negotiable. Salary budgets are usually tight, so hidden charges or unclear interest rates can derail financial planning quickly.

## The best loan apps for Nigerian salary earners
- **PalmCredit**: PalmCredit is widely used among Nigerian workers who need short-term loans without excessive paperwork. It offers quick loans up to about ₦100,000, making it suitable for emergencies like utility bills or transportation issues. With its straightforward application process, PalmCredit appeals to employees who value speed and convenience above all else.
- **Aella Credit**: Aella Credit has carved out a space for itself by focusing on financial inclusion, especially for salary earners. It provides loans that are directly tied to income, making repayments more structured and manageable. Beyond loans, the app offers bill payment options, giving workers a chance to keep their daily finances in one place while still accessing credit when necessary.
- **QuickCheck**: For workers facing emergencies that can’t wait, QuickCheck is a reliable option. Its AI-powered platform approves and disburses loans rapidly, often in minutes, without collateral. Loan sizes can grow as users repay on time, which makes it appealing to employees who want to gradually build trust and access higher credit over time.
- **Renmoney**: Renmoney has long been a popular choice for Nigerian workers because it focuses on both salary earners and business owners. Salary earners in particular benefit from its larger loan amounts sometimes reaching into the millions and longer repayment plans. For those dealing with bigger obligations such as rent or school fees, Renmoney can provide the breathing space they need.
- **Irorun**: For 9–5 employees looking for a truly accessible app, Irorun stands out. Unlike others, it is designed for quick, everyday needs rather than big-ticket borrowing. Salary earners can get loans from as little as ₦1,000 to ₦50,000, disbursed almost instantly, and repayment is simple enough to fit within a monthly salary cycle. For workers who constantly find themselves stretched between paychecks, Irorun provides just enough flexibility to stay afloat without overburdening future earnings. It may not offer the largest amounts, but it delivers exactly what many salary earners need most, which is quick relief and financial breathing room.

## Why Irorun is your best bet
While apps like PalmCredit, Aella Credit, QuickCheck, and Renmoney all serve this group in different ways, Irorun offers a practical alternative for workers who want simplicity, transparency, and fast access to funds. When used responsibly, these loans give salary earners the cushion they need to manage life confidently between paychecks. Help is just a few clicks away. Whether it’s for 10,000 naira or more, [Irorun is here to support you](https://lendsqr.com/lenders/irorun) with hassle-free access to quick loans, keeping you focused on what really matters.


Best loan apps for 9–5 salary earners in Nigeria

Have you ever had that “debt” that you planned to repay but something just happened and you found it difficult to repay?

The truth is most of us never planned to owe. We all think we can pay until it’s time to pay.

Today we want you better prepared to tackle any unforeseen circumstances that might hinder you to pay back your loan at the right time.

Check out 5 ways you can prepare for loan repayment before borrowing:

## Create a budget
Creating a budget after you take out a loan is a great idea when considering your repayment but creating a budget before you take out a loan is even better.

Here’s why; when you take out a loan before creating a budget, you automatically have to tailor your budget to cater firstly to your loan repayment regardless of the effect it has on your living standard. On the other hand, when you create a budget before taking out the loan, it ensures that you don’t borrow more than you need or can repay.

It’s important to create a budget that takes into account your monthly income and expenses, as well as how much you can afford to set aside for loan repayment.

This also helps when you are negotiating loan terms. Yes or Yes?

## Shop around for the best loan
There is no rule that states “The first lender you meet is the one you must borrow from.” There’s a possibility you may not like the first lender at all; their terms may not suit your current needs. There is no harm in you checking out various lenders to find a loan option (and lender) that works best for you.

Compare different loans from different lenders to find the one that offers the best interest rate and terms that suit your needs. Check out how to compare different digital lenders and choose the best one for you.

## Understand the loan terms
Another way you can prepare for your loan repayment is by fully understanding the loan terms. Never rush into taking out a loan. Yes, you may have found the perfect loan option for you, but there are some necessary checks you must do before you transact with the lender.

Take the time to ask questions to get a better understanding of what the loan offers, read the terms and conditions applied to the loan option and seek clarification for any unclear detail. Do this before you accept the loan, as it helps you make a solid decision that will protect your finances as well as your standard of living. Always read the fine print!

## Consider the total cost of the loan
The total cost of a loan is a lot more than just the principal and interest. Other fees like processing fees, late payment fees, and prepayment fees should also be taken into account.

It’s important to consider the total cost of the loan before you borrow.

Ask yourself questions — “If I am unable to pay on the due date, will I be able to pay the late fee?”, “Will I be able to handle the extra cost of prepayment?”

These questions are important in assessing if you can afford a loan and also prepares you for repayment.

## Plan for unexpected expenses
“Expect the Unexpected”

As much as creating a budget and searching for the best plan can help you prepare for repayment, you should also take into account, emergencies.

Sometimes, the wheels of fate may spin and land on an unfavorable spot, and then one gets into a sticky situation.

Irorun encourages you to always have a plan ready for unexpected expenses such as job loss, illness, or other emergencies that may impact one’s ability to make loan repayments.

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Now that you’re sufficiently prepared to handle a loan and all that it comes with, send us a message ASAP at support@irorun.com and let’s get you started on a loan option that suits your need.

5 ways to prepare for loan repayment before borrowing

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Irorun Blog

What happens when you take out a loan but don’t use it?

5 money mistakes to avoid this holiday

Best loan apps for 9–5 salary earners in Nigeria

5 ways to prepare for loan repayment before borrowing

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