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Home Loan App Download Xcross Cash Loan App: Download And Interest

Xcross Cash Loan App: Download And Interest

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XCross Cash Loan app as well as other similar services are available to give you assistance in crises of financial crisis.

In the current economic climate in Nigeria and the country, getting a bit of financial aid has become a necessity for the majority of people. 

Xcrosscash is an Nigerian loan application that allows customers who qualify to receive immediate loans that can be as high as N50,000. In this article we will examine Xcrosscash requirements for loans, Xcrosscash app download, how to obtain the loan you need from Xcrosscash and how to repay it, and much more.

XCross Cash Loan app

What is XCross Cash loan app?

XCross Cash is a Nigerian loan application that provides customers short-term, medium-term and microloans that start from N5,000 to N500,000 for personal loans and emergency loans.

It’s a personal and reliable online loan application. Xcrosscash allows you to activate your credit limit. Cash can be withdrawn at any time for emergencies. Also, you can raise your credit limit through various methods every day. That means that you will you can enjoy higher limits, lower rates of interest, and more flexible tenor when you use it.

Xcross cash loan application increases the loan amount and lends you a greater amount each when you make repayment in time. There is a chance to increase your limit each day by taking a break from routines or setting a limit by keeping a clean payment record.

The app has received more than 1 million downloads through the Google Play Store, with mixed opinions. The majority of users are impressed by the application’s straightforward registration procedure. It utilizes loan software to collect information from prospective customers including phone records, bank alerts for transactions, and BVN to build the credit score of every borrower.

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To be eligible for greater amounts, make sure you keep a record of your bank transactions on your mobile and don’t have any outstanding debts from other loan applications!

It’s easy to use, just download the application from the Google play store, enter your personal information The algorithm will then analyze your data and determine your credit score and offer offer of a loan within a matter of hours.

How Xcross Cash Loan App Works?

Xcrosscash is a loan service provider which is located in Nigeria. It permits eligible individuals to take out loans via their mobile.

There is no need for documents for collateral or property before you can obtain loans using the Xcrosscash application. Furthermore, Xcrosscash lets you increase the credit limit. This way, you’ll be able to get large amounts of loans with low-interest rates.

The ability to increase your credit limit will enable you to obtain large amounts of credit at low-interest rates.

How to apply for an XCross Cash loan?

Application for loans:

  • Install and download it. XCross Cash loan application via Google Play Store. Google Play Store.
  • Create an account.
  • Choose the item you’d like to apply to.
  • Complete your basic details and then send the application.
  • It will cost you N50 to tie an ATM account to the account to increase your chances of getting a higher amount.
  • You can deposit the loan directly into your account at the bank.
  • You’ll have to supply your BVN which is used to assess your creditworthiness. When you install the XCross Cash loan app they must be authorized by your cell phone data to confirm your identity as well as assess your creditworthiness. Your information is secured by the most secure standards around the globe. In no way will they divulge your data without your consent.

The N50 that is charged to tie the ATM credit card with your bank account can be refunded, however, it could take up to 12 days to allow the funds to be credited back to your banking account.

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Your BVN is tied to your credit rating. So should you have an outstanding loan with another lender, or did not pay your other lenders in full when they were due be prepared for your application to be denied.

A credit score is a summary of previous loans and the time you pay cash transactions coming into as well out of your account, and other data.

After downloading this app, you will need to agree to allow access to your phone book contacts which will act as your guarantors. You can also use SMS for access to your bank transactions, and apps on your phone to track how you interact with other loan applications and other information it utilizes to improve the score of your credit.

Xcrosscash loan requirements

To qualify to get an Xcrosscash loan in Nigeria You must satisfy the criteria.

  • It is necessary to be a Nigerian citizen of Nigeria and a resident of Nigeria
  • You must be between the age group of 20- 55 years of age

Xcrosscash may also need information from you. It will ask for:

  • Your account number
  • The phone number at the phone number you’ll receive confirmation messages
  • Your Bank Verification Number (BVN)

The interest rate on the XCross Cash loan?

The interest rate as per the company is monthly interest rates of 0.9 percent to 4.7 percent, and annual Percentage Rate (APR) between 10.8 percent to 56% annually.
Example: If you select a 6-month loan and you borrow NGN100,000, Xcrosscash charges an interest rate of 0.9 percent per month. Borrow NGN Interest Rate: 5.4% and The APR is 10.8%. 180 days interest payments are NGN 10,800. The total amount of payment is NGN110,800.

In reality, however, your interest rate could be quite different from those. It is because each rate is calculated differently depending on your credit score, creditworthiness, and other factors analyzed using an algorithm. 

The Loan Limit begins at N 5, 000 up to a maximum of N 500,000.
Repayment times begin with a period of 90 days to 180 days.

As with all things in life, the length of your loan will depend on your creditworthiness and therefore, you should be prepared for a different duration at the time you begin.

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  • Processing of loans quickly
  • Trusted and tested, it has been around for quite a long time.
  • competent customer service, which is relative.
  • Charges up to 10% interest rate per month.
  • The loan duration typically starts at the monthly level, however, many Nigerian loan apps offer weekly loan terms.


  • A high-interest rate and a short term, particularly for those who are first-time loan borrowers.
  • There are network issues that hinder card binding without issue.
  • Auto debits customers’ ATM cards, sometimes before the due date.

When you take out a loan, be aware of the repayment schedule. If you are taking 60 days of loan that has two installments for repayment The app could attempt to automatically debit your account at the due date of the first installment. It may also charge you for overdue fees before the expiration date of 60 days.

You can modify your ATM card’s password to avoid auto debit. The app was reported to purposely auto-debit customers, even after they’ve paid through bank transfers.

How much loan can you get from Xcrosscash?

You can take out a loan from N10,000 to N50,000 through the Xcrosscash application. This is a good thing since it’s a loan that’s instant and will be deposited into your bank account in about a day or two.

Xcrosscash head office

Xcrosscash additionally has its own central office in Nigeria which is where they accept loans and manage the application.

The headquarters are located at 50c Sauket Street, Ikeja GRA, Ikeja, Lagos, Nigeria.

Xcrosscash customer care and email address

If you have any questions or complaints for complaints or questions, you can contact Xcrosscash. They have a customer service team who can assist with your needs. You can reach them by the email addresses they provide.
E-mail address: xcross.91******34b@1***6.com

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