Most people after taking a loan from EaseMoni usually want to know how much they owe before the repayment date or check if the loan has started counting interest already.
EaseMoni makes this part easy by allowing users to check their loan balance and repayment details directly from the app without needing to visit any office or contact customer care.
In this post, we’ll show you all the possible ways you can check your EaseMoni loan balance, how to confirm interest added, and even how to calculate the total amount you’ll repay before your due date. Everything here is written step-by-step, just the way users will understand it.
How to Check Your Loan Balance on the EaseMoni App
This is the main and easiest method to know how much you owe.
Follow the steps carefully below:
Step 1: Open the EaseMoni app on your phone.
Step 2: Log in using your registered phone number and 4-digit PIN.
Step 3: From the home dashboard, you will see your current loan status displayed at the top.
Step 4: Tap on the “My Loan” or “Loan Details” section.
Step 5: You’ll see full loan information, including:
- Total amount borrowed
- Amount repaid so far
- Outstanding balance
- Interest and due date
EaseMoni updates this page automatically, so you can check anytime to know the exact balance left before repayment.
How to Check EaseMoni Loan Balance Without App
As of 2025, EaseMoni supports checking basic loan information through their USSD code.
If your phone number is already linked to your account, you can dial:
USSD Code: *347*22#
After dialing:
- Select EaseMoni from the on-screen menu.
- Choose Loan Services → Loan Balance.
- Enter your registered PIN.
- Your loan balance and repayment date will appear instantly.
Works on all networks (MTN, Airtel, Glo, 9mobile).
Make sure you’re dialing with the same number used to register your EaseMoni account.
How to Check Your Loan Balance via Customer Support
If you don’t have access to your app or you’re having issues logging in, you can contact EaseMoni’s customer support to help you confirm your current balance.
You can reach them through:
- Email: easemoni@blueridgemfb.com
- Phone: +234-700-123-6700
- Office Address: 77 Opebi Road, Ikeja, Lagos
Send them your registered phone number, full name, and loan reference ID (if available), and they will send your updated loan balance to you.
How to Calculate EaseMoni Loan Interest Manually
Even though the app shows your repayment total automatically, it’s still good to know how the interest works and how to calculate it yourself.
EaseMoni interest is usually between 12% and 30% per month, depending on your credit record and repayment behavior.
How to Check Interest Rate on EaseMoni
You can confirm your exact interest rate before borrowing or after approval using any of these:
- During Loan Application: When you enter the loan amount, EaseMoni shows the rate and total repayment before you tap “Apply.”
- Inside “My Loan” Section: After approval, tap “View Details”—you’ll see the interest rate per month and the total payable amount.
- Repayment Screen: Before making payment, the exact interest already added will be displayed.
This transparency helps users know exactly what they owe—no hidden fees or charges.
Common Problems When Checking Loan Balance
• App not showing loan details:
Log out and log in again, or update the app on the Play Store.
• USSD code not responding:
Network downtime—wait 2–5 minutes and retry.
• Loan already repaid but still showing unpaid:
Give it 24 hours to update, or contact EaseMoni support with your repayment reference.
• Wrong balance showing:
Make sure you’re logged in with the same number used during registration. If the issue persists, contact support directly.
FAQs
1. Can I check my EaseMoni loan balance without the app?
Yes, by dialing *347*22# and selecting the loan balance option.
2. Does EaseMoni charge for checking balance?
No, checking loan balance is completely free both in-app and via USSD.
3. How often does EaseMoni update loan status?
Usually in real time. However, payments may take a few hours to reflect if made through transfer.
4. Can I check my balance after repaying?
Yes, the app still shows your loan history and repayment record even after completing a loan.
5. Can I check interest before applying?
Yes, the app displays the interest rate and total repayment before you confirm the loan request.
Conclusion
Checking your EaseMoni loan balance is very simple and can be done anytime using the app or USSD code. Always make it a habit to confirm your balance before your repayment date so you don’t get surprised by any extra charges or penalties.
By knowing your current loan balance and interest early, you can plan your repayment better and maintain a strong credit record, which also helps you qualify for higher loans and lower interest in the future.
