Xcross cash loan app review: is it legit, how to apply, Interest rate and others - Startuppreneur

Xcross cash loan app review: is it legit, how to apply, Interest rate and others

In this bad economy it is normal to get broke or need money to off set an emergency bill, while the best option is to meet Friends and Family, this can be shamefull and most time friend and family are also going through financial difficulties.

Thanks to loan app like xcross cash you don’t need to beg any friends for money with your phone you can borrow money and pay back at later date.


In this article you will read everything about xcross cash, how to apply, their interest rate and if it is lgeit.

What is xcross cash loan app

Xcross cash is a loan app targeting Nigeria market, they give out quick loan to people without collateral or guarantor.


With xcrosscash you can loan up to #500,000 at a go, but as first timer you might not be able to get up to this but as you borrow and pay back regularly your credit score mill move up and you will be able to borrow more.

Xcross cash loan requirements

To be able to get loan from xcross cash you need to meet up with their tequitment and this requirements are

Be a Nigerian and reside in Nigeria

Your age should be between 22 to 55 years


You should have a source of income

You must have a BVN and bank account

You will provide your name and e-mail address

You must not have defaulted on any loan before

How to apply for xcross cash loan

The first step to take is to head over to plays store, download xcross app and launch it
You will be ask to submit your name and create a password

Then you will be require to submit your bvn and other details

After the registration you will be log in automatically

While in the dashboard, loacte and click on loan

You will see deferent loan offer click it

You will be prompt to link your ATM card if you have not done so

Once you do this the loan will be disburse into your account in the next 1 hour.

Xcross cash loan interest rate and repayment period

Xcross cash interest rate depend on the amount of loan you take and the repayment period, usually it is between 0.9% to 4.7% per month.

The repayment period is between 91 days to 180 days also depends on your credit score and loan amount.

How to repay your xcross cash loan

You have two options to repay your xcross cash loan you can repay using your ATM card or transfer to xcross bank account.

To repay with ATM card

Login to your xcross dashboard

Locate and click on loan repayment

There you will see option to pay back with your ATM card

Click it and your loan will be repaid

To repay with bank transfer

On the dashboard click on contact us

Tell them you want to repay your loan

They will give you a bank account to transfer to

Make sure it is their customer care you talk to, to avoid story that touch.

How much you can borrow from xcross cash

Though the amount you can borrow depends on your credit score nevertheless the minimum loan you can borrow is #5,000 while maximum loan you can borrow is #500,000.

Is xcross loan app legit

In giving out loan xcross cash app is legit, you can get an instant personal loan with them, but they can be cruel to their defaulter. If you default they will blackmail you and send a derogative message to your contacts.

Also there have been numerous cases where people pay back their loan but xcross cash continue to debit them, until they block their ATM card.

The only solution for this is to take loan you can pay back and pay back with virtual card, you can get one from Opay and Kuda.

What is good about xcross cash loan

  • Loan disbursement is fast
  • No collateral or guarantor
  • You can take loan from the comfort of your home
  • The loan app has been around for a while

What is bad about xcross cash loan

High interest rate

Cruel to their defaulter

May over charge you due to network issue

Xcross cash loan contacts

Xcross cash loan office address

50c Sauket St, Ikeja GRA, Ikeja, Lagos, NigeriaNigeria

Xcross cash loan email address

[email protected]

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