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How to Apply for Flypay Loan

By Oluchukwu Ikemefuna

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Flypay Loan is a modern financial solution that shines brightly for those grappling with unexpected expenses or financial uncertainties.

In today’s fast-changing world, getting help from traditional banks can be tough due to long processes and strict rules. That’s where FinTech companies step in, using technology to make money-making services easier to access. 

Flypay Loans is one of these innovative options, offering quick access to money when you need it. With a simple application process, flexible ways to pay back, and openness to many kinds of borrowers, Flypay Loans has become a trusted source of financial help. 

In this piece, we’ll take a close look at how to get a FlyPay Loan, answer common questions, and weigh the good and not-so-good sides of this service. 

What is a FlyPay loan?

Flypay Pro is a well-known Nigerian loan application that claims to provide loans at competitive rates. While it appeals to those looking for swift financial assistance, a comprehensive assessment of the application’s attributes, security protocols, and general user satisfaction remains imperative before deciding to use it.

Flypay loan aims to streamline the borrowing process, offering convenience and accessibility to users in Nigeria. However, as with any financial service, potential borrowers should conduct thorough research and due diligence to ensure they understand the terms and conditions before applying for a loan.

How to apply for a loan on the Flypay loan website?

1. Visit the Flypay Loans Website:

 Open your preferred web browser and navigate to the official Flypay Loans website. You can do this by typing “Flypay Loans” into the search bar or directly entering the URL if you have it.

2. Find the Application Section:

Once on the Flypay Loans website, explore the homepage to locate the section dedicated to loan applications. Look for buttons or links labeled “Apply Now,” “Get Started,” or similar phrases. These buttons are typically prominently displayed to attract applicants’ attention.

3. Initiate the Application Process:

 Click on the “Apply Now” or “Get Started” button to initiate the loan application process. This action will redirect you to a new page or a pop-up window where you can begin filling out the online application form.

4. Complete the Online Application Form:

On the application form, you’ll be asked to provide various personal and financial details. These may include:

  • Personal Information: Name, address, date of birth, Social Security number, etc.
  • Contact Information: Phone number, email address, etc.
  • Employment Details: Employer name, job title, income details, etc.
  • Financial Information: Bank account details, monthly expenses, etc.
  • Ensure that all information entered is accurate and up to date. Inaccurate information could delay the application process or lead to rejection.

5. Upload Required Documents:

 Flypay may require you to upload certain documents to verify your identity, income, and other relevant information. Commonly requested documents include:

  • Proof of Identity: Driver’s license, passport, or other government-issued ID.
  • Proof of Income: Pay stubs, bank statements, tax documents, etc.
  • Additional Documentation: Depending on Flypay’s requirements, you may need to provide additional documentation to support your application.

Follow the instructions provided to upload these documents securely.

6. Review Terms and Conditions:

Before submitting your application, carefully review the terms and conditions of the loan agreement. Pay close attention to interest rates, repayment terms, fees, and any other relevant details.

Ensure that you understand and agree to all terms outlined by Flypay before proceeding.

7. Submit Your Application:

Once you’ve completed the application form and reviewed the terms and conditions, submit your application by clicking the designated button or link.

Your application will be sent to Flypay’s team for review and processing.

8. Await Approval:

 After submitting your application, you’ll need to wait for Flypay to review your information and make a decision regarding loan approval. This process typically takes a short amount of time, ranging from a few minutes to a few hours.

9. Receive Funds:

If your application is approved, Flypay will deposit the loan amount directly into the bank account you provided during the application process. You will receive notification once the funds have been transferred.

By following these steps and providing accurate information, you can successfully apply for a Flypay loan on their website. Remember to keep track of your application status and check your email or account dashboard for any updates from Flypay regarding the status of your loan application.

Read also: Payday Loan: How to Apply and Access 

What is flypay Loan requirement?

  • You must download and use the Flypay app to apply for the loan.
  • You’ll be asked for your name, phone number, and possibly more basic information. 
  • You’ll need to take a selfie using the app, possibly in real-time.
  • You’ll need your BVN handy.
  • Have your bank account details ready.
  • You’ll need an ATM card to pay back the loan.

Now, linking your ATM card can be handy for payments, but it comes with risks. When you link your card, the app gets access to your bank accounts. This means they can take money directly from your account for payments. So, before you link your card, make sure you understand all the rules about payments and what happens if you can’t pay back the loan.

Read also: How to Know if Your Capfin Loan has Been Approved

What is Flypay Loan Limit?

FlyPay sets a limit on how much money you can borrow from them, known as the loan limit. 

This limit ranges from ₦5,000 to ₦600,000, meaning you can borrow anywhere within this range depending on your needs and eligibility. 

When you borrow money from FlyPay, you’re given a certain period to repay the loan, which typically falls between 91 and 180 days. This gives you some flexibility in managing your repayment schedule based on your financial situation and cash flow.

Like most lenders, FlyPay charges interest on the amount you borrow. The maximum Annual Percentage Rate (APR) they can charge is 36% per year, which translates to a daily interest rate of 0.08%. This interest rate is applied to the outstanding balance of your loan on a daily basis until it is fully repaid.

To illustrate how interest is calculated, let’s consider an example. Suppose you borrow ₦10,000 from FlyPay and choose a repayment period of 91 days. 

Using the daily interest rate of 0.08%, the total interest accrued over the 91-day period would amount to ₦10,000 * 0.08% * 91 = ₦728. 

Therefore, in addition to repaying the initial ₦10,000 principal amount, you would need to pay an additional ₦728 in interest, bringing the total repayment amount to ₦10,728.

It’s important to understand these terms and calculations before borrowing from FlyPay to ensure you can comfortably manage the repayment obligations and avoid any surprises or financial strain down the line.

Read Also: Zenith Bank Loan for Salary Earners

What are Benefits of Flypay Loans?

  • Accessibility: 

Flypay Loans are accessible to a wide range of applicants, including those with less-than-perfect credit histories.

  • Quick Approval: 

The application process is quick, with many applicants receiving approval within minutes.

  • Flexible Repayment: 

Flypay offers flexible repayment options tailored to the borrower’s financial situation, making it easier to manage payments.

  • No Collateral Required: 

Unlike traditional loans, Flypay Loans are unsecured, eliminating the need for collateral.

  • Convenience: 

The online application process and direct deposit of funds make Flypay Loans a convenient option for those in need of immediate financial assistance.

Read also: Edu Loan: How to Apply and Get it

What are the Disadvantages of Flypay Loans?

  • Higher Interest Rates: 

Flypay Loans may have higher interest rates compared to traditional bank loans, especially for borrowers with poor credit.

  • Potential for Debt Cycle: 

Without proper financial management, borrowers may find themselves trapped in a cycle of debt, especially if they rely on payday loans frequently.

  • Limited Loan Amounts: 

While Flypay offers loans up to $5,000, some borrowers may require larger loan amounts for significant expenses.

Read also: Mcoop Cash Loan Limit and How to Increase it

What other thing should i keep in mind?

Flypay is also accessible via the mobile app. After registering, you can choose from various loan offers on the platform. You simply have to create an account after downloading the app. Provide your personal identification documents, proof of income, and bank verification numbers (BVN) to get your credit limit.

Then go ahead to apply for the flypay loan.

Read also: Where to Get Urgent Cash Loan Without Documents in Nigeria

What is flypay loan customer care number?

If you find yourself in need of assistance or have any inquiries regarding Flypay Loans, there are several ways to get in touch with them. One option is to reach out to their customer care hotline at 02018871456

This hotline serves as a direct line of communication for customers seeking support, guidance, or answers to their questions. Whether you’re facing challenges with your loan application, need clarification on terms and conditions, or simply require general assistance, the customer care team at Flypay Loans is available to assist you.

In addition to their hotline, Flypay Loans also offers the option to contact them via email. By sending an email to service@flypaypro.ng, you can communicate with their team at your convenience. 

This allows you to articulate your concerns or inquiries in writing, providing a detailed explanation of your situation or request. Whether you prefer verbal communication over the phone or written correspondence via email, Flypay Loans strives to accommodate your communication preferences and ensure that your needs are addressed promptly and effectively.

If you prefer face-to-face interaction or need to visit their office for any reason, Flypay Loans has a physical presence at 3 New Jerusalem D/Makarant Und Street Dutse Baupna, AMAC, FCT

Visiting their office allows you to speak with a representative in person, discuss your concerns directly, and receive personalized assistance tailored to your specific needs. 

Whether you’re seeking guidance on loan repayment options, require assistance with documentation, or have any other inquiries, the staff at Flypay Loans is committed to providing you with the support and guidance you need to navigate your financial journey with confidence.

Whether you choose to contact Flypay Loans via phone, email, or in-person visit, rest assured that their dedicated customer care team is ready to assist you every step of the way.


What are the eligibility criteria for Flypay Loans?

To qualify for a Flypay Loan, applicants must be at least 18 years old, have a stable source of income, and possess a valid bank account.

How much can I borrow with Flypay Loans?

The loan amount varies depending on factors such as income, credit history, and the lender’s policies. Flypay typically offers loans ranging from #5000 to #600,000.

What is the repayment period for Flypay Loans?

Flypay offers flexible repayment options, including weekly, bi-weekly, or monthly installments. The repayment period can range from a few months to several years, depending on the loan amount and terms.

Is collateral required for Flypay Loans?

No, Flypay Loans are unsecured, meaning applicants are not required to provide collateral to secure the loan.

Can I apply for a Flypay Loan with bad credit?

Yes, Flypay considers applicants with varying credit histories. While a poor credit score may affect the loan terms, it does not necessarily disqualify you from obtaining a loan.


Flypay Loans offer a convenient and accessible solution for individuals facing unexpected financial challenges. By understanding the application process borrowers can make informed decisions about utilizing this financial service.

If you found this piece useful, kindly drop a nice comment. Also visit and follow us on X @SiliconAfriTech for access to other useful contents .


  • flypaypro – We get you the lowest interest rate loan offers in Nigeria
  • web.flypay – Flypay-Fast money lending product


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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

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