The rise of online microfinance apps in Nigeria has made getting personal loans faster than ever, especially for people who do not have time to go through traditional bank processes.
The truth is, most people now prefer mobile lending platforms that are simple and stress-free to use and one of the most popular names among them is EaseMoni.
In this article, we’ll go through everything you need to know about the EaseMoni Loan App, how it works, real users’ reviews, complaints, and what to expect before applying.
All information here is based on our personal use and direct review checks from multiple past users to ensure you get only verified details.
Learn More About the EaseMoni Loan App
EaseMoni is a licensed loan app operated by Blue Ridge Microfinance Bank Limited, fully approved by the Central Bank of Nigeria (CBN).
The platform offers instant personal loans to Nigerians without collateral, targeting salary earners, small business owners, and anyone with a verifiable income source.
It’s designed to make borrowing fast and stress-free—hence the name “EaseMoni,” meaning easy money. The app works fully online, and users can get approved in minutes once they meet the credit requirements.
Here’s what you can do with the EaseMoni app in:
- Apply for quick personal loans up to ₦2,000,000.
- Choose flexible repayment between 91 and 365 days.
- Get funds sent instantly to your linked bank account.
- Pay back through auto debit or manual transfer.
- Check loan balance, repayment history, and due dates directly in the app.
EaseMoni Reviews and Users’ Feedback
After reviewing several verified comments from the Play Store and our independent testers, here’s a summary of what users are saying:
Positive Reviews:
- “EaseMoni is just like the name—easy money. Absolutely the best loan app out there. No hassle.” – Chinagorom Ogwu (Oct 2025)
- “The app is very easy to use, and I’ve never had any issues. Payments go smoothly every time.” – Oloba Muller (Jan 2025)
- “They increased my credit limit after two loans. Fast and simple!” – Verified User, Lagos
Negative Complaints (mostly from 2023–2024, now reduced):
- Some users complained about debt collection messages in the past, but the issue has been fixed after CBN and FCCPC’s intervention.
- A few users report auto debit delays when their app is not updated to the latest version.
Overall rating on Google Play Store as of October 2025:
⭐ 4.7 out of 5 – with over 5 million downloads and hundreds of thousands of active users.
EaseMoni Requirements (Before Applying)
To qualify for a loan on EaseMoni, you must:
- Be a Nigerian citizen aged 18 or above.
- Have a verifiable BVN and active bank account.
- Maintain a good repayment record with no active loan defaults.
- Use a smartphone with internet access.
EaseMoni Loan Complaints & Common Issues
Issue Explanation Quick Fix Loan not disbursed after approval. Usually caused by network delay or inactive receiving bank.
Wait 10–30 mins or contact support. Auto debit failed. Insufficient balance or inactive linked card: Fund account before due date.
App not opening or crashing Old app version Update to the latest version from the Play Store. Unable to log in to SIM or device change Use the registered number or reset the password in the app.
EaseMoni Customer Support
If you face any issue, you can reach them easily through:
- Email: easemoni@blueridgemfb.com
- Phone: +234-700-123-6700
- Office: 77 Opebi Road, Ikeja, Lagos
- Facebook: facebook.com/p/EaseMoni
FAQs
Q1. Is EaseMoni a legitimate loan app?
Yes. It is owned by Blue Ridge Microfinance Bank Limited, licensed by the Central Bank of Nigeria (CBN), and NDIC-insured.
Q2. How much can I borrow on EaseMoni?
Between ₦3,000 and ₦2,000,000, depending on your credit score.
Q3. How long before I get the money?
Approval and disbursement take less than 10 minutes for verified users.
Q4. What happens if I don’t repay?
Your BVN will be reported to credit bureaus, and you may be blocked from future loans.
Q5. Can I increase my loan limit?
Yes—pay your loan early and maintain a good record. The limit increases automatically.
Conclusion
EaseMoni has proven to be one of the most consistent and trusted loan apps in Nigeria for 2025. It operates transparently under a licensed CBN microfinance bank and provides flexible repayment terms for both individuals and small business owners.
Like every loan app, it’s not perfect, but compared to others, EaseMoni has improved its system, reduced complaints, and built strong trust among users.
