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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.

Frustrating right?

Trying to reach out to a brand and not getting a response for days has to count as one of the most frustrating moments!

It gets even worse when it involves an issue that requires urgent attention.

At Irorun, we understand how frustrating and disappointing it could be especially when it involves money and that’s why we constantly find ways that allow you to communicate with us with ease via various mediums.

Everyone has a preferred contact method, and sometimes different problems have different ways they can be addressed. Here are 3 ways you can make inquiries/solve your problems with Irorun:

Read more: [How to spot a destructive small loan](https://irorun.com/blog/how-to-spot-a-destructive-small-loan)

## Contact us via email or phone number
At Irorun, we make it our priority to be available to assist all of our users, including prospective clients. This is why you can always, and at any time, send an email to Irorun if you have any inquiries or concerns that need to be addressed. In a matter of minutes or a few hours, you can get a reply to your inquiries and concerns.

If you feel like an email is not your style(and also doubt that your reply was written by a human), you can also contact us through our helpline made readily available for you on our website. We have representatives available to listen and help you solve your problems.

Read more: [What is a credit report and what can be found on it](https://irorun.com/blog/what-is-a-credit-report-and-what-can-be-found-on-it)

## Chat with an Irorun representative using our live chat feature
The world is miles ahead of Nigeria as regards technology. But Irorun quickly adapts and that’s why the live chat feature has been made available for you. It connects you with one of our representatives right there on the website or even on the app. This way you don’t have to worry about your contact details being in the wrong hands.

With our live chat feature, a representative will be there to guide you through any issue you’re struggling with, by giving you suggestions and directions on what approach can quickly solve your specific issue. All on the website.

Read more: [6 loan myths that have been debunked](https://irorun.com/blog/6-loan-myths-that-have-been-debunked)

## Go through our frequently asked questions (FAQs)
There may be inquiries that you need to make that others have made before you. When situations like this happen, Irorun takes a count of how many people have asked that particular question (phrased in different ways) and provides an answer for it which will then be made available on the website. These questions and answers are called FAQs — Frequently Asked Questions.

Most times, when you make inquiries through the live chat feature, you’ll be directed to the FAQs if it’s a question that has been answered. Irorun has a wide selection of FAQs that you can go through to find an answer to your inquiries and a solution for any problem you may be stuck on. Here’s a look at Irorun FAQs.

Read more: [How to compare different digital lenders](https://irorun.com/blog/how-to-compare-different-digital-lenders-and-choose-the-best-one-for-you)

…

Reach out to us with your inquiries at [support@irorun.com](mailto:support@irorun.com) and we’ll be sure to give you more tips.

3 ways you can make inquiries/solve your problems with Irorun

Wait!!!

Before you apply for that loan, hear us out

To reduce the myths surrounding loans, we’d first have to break the stereotypes around them.

For your sake and ours as well, you should never have to apply for a loan “unsure” or “undecided.”

And that’s why we’ve listed out 3 important questions you should ask yourself before taking that loan:

Read more: [How to qualify for a loan with a low income](https://irorun.com/blog/how-to-qualify-for-a-loan-with-a-low-income)

## Do you need a loan?
This is a highly underrated but important question to ask yourself before applying for a loan. Are you actually in need of it or are you craving credit alert?

We know that the joy that comes with receiving a credit alert is incomparable and very tempting but, we urge you to take another look at your finances and be 100% sure you want to take out a loan. Are you ready to pay back with the added interest? Are you ready to face the scrutiny? Are you ready to lose something you own or face court charges in a case where you default on loan repayment?

If taking out a loan does not benefit or aid you extensively in the long run then there is no need for you to take out one.

Read more: [Mistakes you must avoid when paying off debts](https://irorun.com/blog/mistakes-you-must-avoid-when-paying-off-debts)

## How urgently do you need the loan?
Another thing you should consider before applying for a loan is the “urgency of the situation.” The type of emergency you’re facing also determines if you truly need the loan at that moment. Some emergencies need a more immediate reaction than others, for instance, if you had to choose between taking out a loan for a health emergency and a car emergency, you’d obviously pick the health emergency (your health is more important than a broken bonnet).

You’d need to take out an immediate loan to solve a health emergency but a car emergency can be postponed to another time (while you make do with other alternatives). The urgency of a situation can also be a deciding factor your lender may use.

Read more: [5 actions to take if your loan was declined](https://irorun.com/blog/5-actions-to-take-if-your-loan-was-declined)

## How do you intend on paying back?
Okay, so you’ve answered the questions above and it’s looking a lot like you need to take out that loan. There’s just one more thing to consider — How are you going to pay back the loan? Do you have a stable source of income that will help you compensate for the loan while maintaining an acceptable living standard? Or are you just trying to press your luck and hope for the best?

When you decide to take out a loan you have to cover all ground and that also includes how you’re going to repay your lender without ending up living below standards. The idea that loans are destructive and cripple one’s finances is totally wrong! It’s bad financial choices that cripple one’s finances. With the right financial plans, a loan can very well be a boost to your overall standard of living.

Once you’ve worked out how you’re going to repay your loan then there should be nothing holding you back.

Read more: [7 ways to spot a loan scam](https://irorun.com/blog/7-ways-to-spot-a-loan-scam)

…

As always, Irorun is more than just a loan app. We care about the money choices you make and we contribute our quota in ensuring you never lack good financial knowledge.

Remember, we’re just one message away. Reach us at [support@irorun.com](mailto:support@irorun.com) today!

3 questions to ask yourself before you apply for a loan

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


Pulling yourself out of debt can be incredibly challenging especially when other necessary expenses are fighting for your resources as well.

We want to make the process smoother and quicker, by showing you several mistakes you must avoid during this time, so you too can be debt free!

## Bad spending habit
When someone is in debt most of their effort, rationally, should go towards paying off the debt, so why then would they still consider frivolous expenses? (I know you’re not like that sha).

But if for any reason you struggle with bad spending habits that are hindering your finances and you urgently need to clear up debts, here’s what you can do — find better and cheaper alternatives to curb overspending; You want to eat out with friends to catch up? Host an indoor movie hangout with a home-cooked meal. New clothes? You haven’t finished wearing the ones you have . Gadget upgrade? Beautify the one you have (change the screen and get a new pouch). Make a genuine effort to avoid bad spending habits that are likely to push you deeper into debt.

## Trying to do it alone
“No man is an Island”

Being in debt doesn’t automatically make you a lone wolf, you can ask for help from family and friends, and if you can’t do that (you may feel uncomfortable going to them and that’s okay) there are always other options.

You can turn to people around you who can help you create an effective budget system or also try getting an extra income from working for sure jobs. Look through some of your under-utilized skills and start monetising them. So many options available abi?.

Taking on all that pressure alone can be bad for your mental health, so please do ask for help.

## No practical budget
One mistake you must avoid is having no form of budgeting, this would not only slow down your debt repayment, but your finances will also be jaga-jaga.

And that’s why you must create a detailed and realistic budgeting system.

Every aspect of your spending is taken into consideration when making a budget, expenses that you can do without should be taken out entirely and expensive necessities should be exchanged for cheaper alternatives.

The budgeting system should be made around the debt to be paid and with that, every other expense can be calculated in a way that is affordable and efficient. And that’s a smooth path to the “debt-free” bus stop.

## Tackling multiple debts at once
The idea that splitting your finances to tackle multiple debts at the same time will speed up repayments is false. It does work in few cases but puts a damper on your standard of living and leaves you drained in the long run.

A more effective way of debt repayment would be to pay off the larger debt first as they are likely to have higher interest rates. This will free you up from financial constraints in a better fashion than trying to pay off all loans at the same time.

## Not engaging with your creditor
A very common mistake that you must avoid at all costs is the mistake of hiding from your lender when faced with a financial crisis and being unable to repay your loan on time.

The truth is, engaging with your lender honestly and asking for a loan term restructure is well within [your right as a borrower](https://medium.com/@Theirorunapp/know-your-rights-as-a-borrower-a7bdbfda3f8).

Lenders are obligated to listen to your struggles regarding debt repayment they would like to know because your struggles also affect their business. They are willing to make adjustments where it is necessary (reducing interest rate, extending repayment period). [Here’s a step-by-step process on what to do if you can’t repay your loan when due](https://medium.com/@Theirorunapp/what-to-do-if-you-cant-repay-your-loan-when-due-773eb03f7084). Nevertheless, it’s not only during times of struggle that your lender would like engagement, feedback on the loan processing and repayment is also welcome and help to build rapport with your lender.

…

As always, [Irorun](https://irorun.com/) wants you to enjoy a seamless borrowing experience through AUTHORIZED and ETHICAL Lenders (*coughs*like us).

Send us a message today at support@irorun.com and get matched with the loan that’s just right for you!

Mistakes you must avoid when paying off debts

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Irorun Blog

3 ways you can make inquiries/solve your problems with Irorun

3 questions to ask yourself before you apply for a loan

5 actions to take if your loan was declined

Mistakes you must avoid when paying off debts

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