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 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.

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

New year, New me…does that sound familiar?

If you have made new year resolutions as regards your finances, you’d be glad you read this article

We’ve carefully selected 7 reliable tips for sticking to your new year’s financial resolutions.

Take a look at them

## Start small
A lot of people tend to make new year financial resolutions but never stick to them. It’s either they can’t be bothered or it has become too much hassle to keep up with. We understand.

The mistake some people make is that they tend to make big plans, and these plans later end up looking unachievable in their eyes. The best start to a good financial year is to make small achievable goals for yourself, to build momentum and confidence in your ability to stick to your financial resolution.

## Make realistic plans
Having your financial resolution is all good but you need a solid plan to make sure that it works. Remember, results come from how effective the plan is.

Here’s how you can yield better financial results this new year; Write down your financial goals and create plans for how you’ll achieve them. You can create a short checklist under each goal, describing the weekly or monthly action you’ll take towards achieving your goals. Ensure these actions you’ve set to carry out are realistic, that is, they fit within your current cash inflow with considerations to your important needs. Once you have this down, try to stick to your plan as closely as possible.

## Set a workable budget
Keep a lookout on your cash inflow and outflow every month, and put a great amount of effort into creating a budget system that outlines your expenses and savings goal.

If you have a high-interest debt consider paying it up as a top priority to help you save money on interest and free up more money for other financial goals. Your first budget might not be it, but that’s okay, watch for patterns that work and those that don’t and make all the necessary adjustments. Rome wasn’t built in a day.

You may even consider setting up an automatic transfer to your savings account to make it easier to save money, this will help you stay on track with your financial resolution. Find the best option that works for you and suits your needs.

## Track your progress
Keep track of your progress toward your financial resolution, this may seem like it doesn’t need to be mentioned but it’s important.

You can make use of a budgeting app or even a journal to help you keep track. Set a time each day where you sit and record your expenses of the day and see if they line up with what you’ve made in your plan.

Make any adjustments as needed to help you stay on track.

## Find an accountability partner
An accountability partner will be a great help to you on your financial resolution journey. This is someone who will help keep you on track and remind you to focus when you begin to stray.

It could be a friend or family member, someone you trust. Share your financial resolution with them and let them hold you accountable to help you stay on track. No man is an Island.

## Seek out resources and financial advice
If you keep having trouble with the plan you’ve made or are unsure of how to go about making a plan, you should consider speaking with a financial advisor or professional to help you develop a plan for reaching your financial goal.

You can also utilize resources such as budgeting apps, online courses, and microloans that help build your credit history. All these can help you get a hang of managing your finances as well as keep you on track.

## Be patient and stay flexible
Sticking to your financial resolution takes time and discipline, and sometimes life happens, so it’s important to be patient and keep your financial resolution flexible.

If something happens that causes you to deviate from your plan or you don’t see immediate results, don’t get discouraged, adjust your plan and get back on track.

Don’t forget to celebrate your progress along the way, this can go a long way in keeping you motivated.

…

Now that you’re ready to make smart money choices and smash those money goals this year! Send us a message at support@irorun.com and let’s help you fund that goal!

7 reliable tips for sticking to your new year’s financial resolutions

Quite honestly, everyone wants their loan approved but not everyone gets their loan approved. But that doesn’t have to be you, with these 5 hacks you’ll have your loan secured with ease.

Let’s get started!

## Check your credit score
Are there really any loan problems you may have that don’t involve your credit score? The answer is yes but in regards to ‘getting’ a loan, your credit score may be the biggest contributing factor to why you were declined.

So before you get subjected to rejection from your lender, check out what your credit score might state before going ahead to apply for that loan. When you do this you can easily identify any issue or error that may cause your loan application to get rejected and take steps to correct them.

## Provide accurate information
It may seem too tempting to provide false information when asked, to make yourself seem more eligible for a loan but all that does is make you get rejected a lot faster.

Digital lenders use automated algorithms to process loan applications which rely on accurate data that is also consistent. Providing false or ‘slightly altered’ data can result in your loan application being rejected or delayed. Lies and technology are a bad mix.

So your best bet is to provide information that is accurate and consistent so your loans can be processed and approved faster.

## Reduce your debt-to-income ratio
A high debt-to-income ratio may indicate that you have too much debt in contrast to your income, which can lower your chances of getting approved for a loan.

Lenders also use your debt-to-income to determine the loan amount you would be eligible to receive. You stand the risk of only being approved for a smaller loan regardless of what you want if your debt-to-income ratio is too high.

Reducing your debt-to-income ratio by paying off all existing debts before applying for a new loan can greatly improve your chances of being approved for a loan by a digital lender. Read more about your debt-to-income ratio and its impact on your loan application process.

## Build your credit history
If you don’t have much of a credit history, now is the time to fix that. Consider taking out a small loan and making regular on-time payments to build up your credit history.

People who have no credit history, have no credit record and as such, have no credit score and lenders consider a lack of a credit history a big risk, as they have no way of knowing if the individual asking for a loan is creditworthy.

A good credit history is a sign of creditworthiness, so take out some time to build one and your loan approval chances will be improved. You’re welcome!

## Research loan options
Another hack that would increase your loan approval chances is dependent on you. We’ll tell you how…

In order to get a better idea of the loan product fit for you, you ought to do proper research on the loan options made available by your prospective lender. This helps you pick a loan option that is already tailored to your specific needs and qualification, making your loan approval all that much faster.

Remember, proper research of your prospective lender will save you from so many troubles!

If these hacks have been helpful to you — please share with your family, friends and even foes. Don’t forget to send us a message at support@irorun.com and let’s get you started on your loan application process!

Do you want your loan approved? Try these 5 hacks!

Loan request declined? We’ve got good news for you! 

There’s still a chance to get that loan approved. As always, Irorun is here with actionable and helpful tips for you.

Check out 5 actions to take if your loan gets declined 

## Review the decline notice
The first thought that tends to come to mind for several people when they get declined for a loan is “Why?”. You start to question the lender’s judgement because as far as you’re concerned, everything was in order at your end, but instead of making assumptions or giving up completely, you can review your decline notice to learn and understand the reason for it. Doing this already puts you one step ahead in solving the problem. PS: Secrets are always hidden in the fine print. So read the fine prints!

Read more: [5 facts Irorun first-time users should know
](https://irorun.com/blog/5-facts-Irorun-first-time-users-should-know)

## Ask for more details if you can
When you get rejected for a loan and receive a decline notice, even after reading the notice, you should make an effort to ask the lender for more details about your loan rejection. Most times, it isn’t all details that have been placed on the notice and you can gain a lot more understanding by asking the lender to clarify what was written on the notice or simply asking for more information. If your lender doesn’t mind or if it’s not against their policy, they could be willing to share what went wrong in your application that warranted a decline.

Read more: [What to do if you can’t repay your loan when due
](https://irorun.com/blog/what-to-do-if-you-can%E2%80%99t-repay-your-loan-when-due)

## Review your credit report
How often do you review your bank statements, credit reports and financial documents? 

Most people hardly check through these reports, because it’s believed that everything is as it should be, but the truth is, it’s not always so. Your finances, just like any other aspect of your life deserves regular checks and review.

When you get declined for a loan, you should take the time to check for inaccuracies in your credit report as these might’ve been what the lender saw that made them decline your loan application.

Your credit report holds most of the power in your approval for a loan, so you should take the time to make sure that it’s as accurate as it can be as even a tiny error can lead to a loan rejection.

Read more: [Consequences of ignoring your loan obligation
](https://irorun.com/blog/consequences-of-ignoring-your-loan-obligation)

## Pay off other pending debts
A genuine lender checks your past credit history with the credit bureau to ensure there are no defaults, disputes and uncertainties.

If the lender reviews your past credit history and finds one or more unpaid debts, best believe your loan request will be declined. The fact that you are still indebted to other lenders may make them believe that you don’t have the capacity or even worse, the willingness, to pay off any loan that they may lend you. Remember, a lender who’s unafraid to lose their money is a red flag.

Your best bet is to pay off all other pending debts you may have before trying to take out another loan.

Read more: [A simple guide to the Irorun loan application process
](https://irorun.com/blog/a-simple-guide-to-the-irorun-loan-application-process)

## Apply for a smaller loan amount
When you get declined for a loan, it’s advisable you apply again but for a smaller amount than what you previously applied for. There’s a possibility that the lender has noticed an unclear detail in your documentation that affected their belief in your capacity to repay the loan amount you requested.

You can try for a smaller loan amount, an amount that can be paid back with ease and speed. This increases your chances of getting approved and not declined.

Read more: [5 qualities of a good borrower
](https://irorun.com/blog/5-qualities-of-a-good-borrower)

…

We hope you’d try out these tips and let us know how it works out for you. For more clarification and assistance in applying for a loan, send us a message at [support@irorun.com](mailto:support@irorun.com)!

5 actions to take if your loan was declined

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 with only NIN, BVN and no collaterals. Get disbursed in minutes.

Get ₦10,000 for 7 Days Instantly for Your Urgent Needs

Irorun Blog

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

7 reliable tips for sticking to your new year’s financial resolutions

Do you want your loan approved? Try these 5 hacks!

5 actions to take if your loan was declined

Download now