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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)

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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


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


Have you always wondered why lenders ask for your BVN and what they do with it?

This article explains in detail why lenders need your BVN and how necessary it is to get a loan.

You’ll agree that any individual who owns a functioning bank account must be familiar with the acronym BVN, but let us further understand what it is.

BVN (Bank Verification Number) is a unique 11-digit number issued by the CBN (Central Bank of Nigeria) to individuals. It’s the same across all bank institutions for the same individual. This means that no matter how many accounts you open with different banks, your BVN remains unchanged.

## Is BVN necessary to get a loan?
The answer to this question varies with each source you find. Some might say “yes”, others might say “no”, and there may even be a few “it depends” but the most correct and logical answer would be “yes”.

## Here’s why:
Not all lenders indeed ask for BVN, as they all have different criteria but you should be worried if your lender doesn’t ask for your BVN. (Very worried).

Your BVN does more than allow you access to a bank account, it also serves as an identifier within the financial space. (Like a financial ID card).

Lenders use it to check your credit history and Karma (a privately sourced blacklist, so if one has a history of default with another lender, this is where there will be “a caught”.)

A lender who doesn’t ask for a BVN is skipping a lot of the credit check procedures, that’s why you should be careful. It’s almost like the lender isn’t afraid to lose their money, smells like trouble.

## For the lenders that do, why ask for BVN?
A means to verify identity: BVN serves as a universal ID in all banks in Nigeria (think of it like your NIN but for the financial industry), as such the information connected to your BVN remains unchanged across all banking institutions. This means it serves as the surest way that a lender can verify your identity.

To prevent identity theft: No two individuals have the same BVN, and as it serves as a means of identification, the chances of individuals using another person’s identity to get a loan drastically subside because of the checks involved.

To prevent fraud: The use of BVN as a check can also prevent fraud both on the side of the borrower (connected to identity theft) and lender (they might be loan sharks in disguise).

…

At [Irorun](https://irorun.com/), we understand you might have doubts about giving out your BVN and that’s why we advise that you carry out the proper checks on your prospective lender to ensure they’re legitimate and not a scam. [Here’s how to carry out these checks on lenders.](https://medium.com/@Theirorunapp/how-to-spot-a-responsible-online-lender-b1888f06011c) Be rest assured as well that Irorun doesn’t illegally store your sensitive financial data or share with third parties.

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

Why do lenders need BVN: is it necessary to get a loan?

Have you found yourself in a fix and can’t seem to pay back that loan you owe?

Is your lender hounding you to pay off your outstanding debts?

We understand your first instinct may be to hide and play coy with your lender. But here’s the truth of it all; YOU’RE MAKING IT WORSE!

We understand your plight and have done the work for you. Keep reading to find out what to do when you struggle to pay back that loan

## Assess your financial situation
A lot of people struggle with loan repayment and end up defaulting, mostly because they may be dealing with some financial crisis that affects their loan repayment.

The first step to be taken to fix this is to assess your financial situation. This may not seem important at first, but if one takes the time to look at their current income level and stability, and analyze their monthly expenses. They’ll find areas where one can cut costs to allocate for loan repayment.

As we always say, it’s important to know where you stand financially. It helps you come up with effective solutions to manage your loan payments. This means assessing your available funds and making practical decisions for repaying your debts.

## Communicate with your lender
Don’t ghost your lender! It’ll do you more harm than good. Regular communication with your lender when you’re experiencing difficulties with loan repayment is necessary. Discussing openly with your lender can clarify your loan management options.

This includes learning about potential repayment plans, negotiating revised loan terms, and exploring temporary relief options. Communicating with your lender promptly can help you avoid penalties, protect your credit score, and establish a more manageable repayment plan that fits your current financial situation. Lenders are often willing to work with borrowers who demonstrate a genuine intention to fulfill their obligations.

## Explore loan restructuring options
Now that you’ve communicated with your lender, exploring the loan restructuring options given to you is the next step. Loan restructuring involves considering various alternatives such as loan modification, consolidation, extended repayment plans, or income-driven repayment plans. Each of these options offers you unique benefits and considerations that can be tailored to your specific needs and financial situation.

This is why we keep doubling down on early communication with your lender; discuss the available options, and evaluate their implications in terms of interest rates, repayment terms, and overall financial impact. This helps you find the best solution for your situation and manage your loan repayment effectively.

## Explore additional income stream
We all need the extra income and that’s why obtaining secondary sources of income can be very helpful when one struggles with loan repayment. Seeking out opportunities for side jobs, freelancing etc can increase one’s overall cash flow.

Additionally, one can also start an online business or consider part-time employment to provide extra income that will be strictly allocated towards loan payments. Trying out these options can make it easier to meet your loan obligations with ease.

## Strict budget and payment plan
One who fails to plan, plans to fail.

This holds true for money matters as well. This is why we consistently preach the gospel of good budgeting. A strict budget and payment plan is just what any loan defaulter needs to fix their loan repayment struggles.

By making use of a budget, one can carefully manage their income and expenses, allowing them to allocate funds towards loan payments effectively.

This involves tracking income sources and analyzing expenses to find ways to cut costs and free up money for loan repayment. With a structured payment plan, the individual can set up a clear schedule for timely, consistent payments to their lender.

Following this plan helps you control your finances, stay on top of loan repayments, and achieve your financial goals.

... 

If you’re having difficulty paying back that loan and would want to ask more questions, send us a message at support@irorun.com and we’ll get you back on track!

What to do if you struggle with loan repayments?

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Irorun Blog

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

Tips for saving an emergency fund

Why do lenders need BVN: is it necessary to get a loan?

What to do if you struggle with loan repayments?

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