One of the most common questions among TLoan users is how to extend their loan repayment date when they can’t meet the due time. Many Nigerians fall into this situation because of unexpected business delays, salary hold-ups, or emergencies.
The truth is, TLoan doesn’t openly show any “extend loan” button inside the app like some others, but there are still ways you can handle this if you act early before the due date.
Understanding the Loan Repayment Policy
TLoan’s repayment is mostly automatic, meaning once your due date arrives, the system can debit your linked ATM card or bank account directly.
The due date is clearly shown in your loan dashboard right after disbursement. The company expects payment before or on that date and any delay attracts an extra penalty charge daily until full repayment is made.
Is Loan Extension Allowed on TLoan?
Officially, there is no self-extension option on the app, but users can still request a manual repayment extension by contacting their support team.
This can only work if:
- You reach out before your loan due date.
- You have not defaulted or skipped past loans.
- You give a clear repayment plan and date.
If approved, they may freeze your penalty and move your due date slightly to match your request.
Steps to Request Loan Extension on TLoan
Follow these simple steps if you want to increase your repayment time:
- Open the TLoan app and note your exact due date.
- Go to “Help” or “Customer Support” inside the app.
- Send a clear message like:
“Hello, my repayment is due on (date). I’d like to request an extension for (X) days due to (reason). I plan to complete repayment by (new date).” - You can also contact them directly through WhatsApp or phone (listed below).
- Wait for confirmation, they’ll tell you if your request is approved and what to do next.
If your account is still active and clean, most users say they got between a 3–7-day grace period after contacting support early.
What Happens If You Don’t Pay on Time
If you miss the due date without notice:
- Extra interest starts counting daily.
- Your credit record under BVN may be affected.
- The app may still auto-debit from your linked card.
- You could also get reminder calls or messages from their recovery team.
That’s why the best move is always to contact them before your due date, not after.
Tips to Avoid Late Repayment
- Always borrow what you can repay easily.
- Enable reminders on your phone 2–3 days before the due date.
- Don’t borrow from another app to pay the old one, it only increases your total debt.
- If you expect a delay in payment, send a message to TLoan early.
FAQs
Q1. Can I extend repayment directly inside the app?
No, there’s no direct button, but you can message support to help manually.
Q2. How many days can they extend?
Usually between 3 and 7 days, depending on your loan record.
Q3. Can I get charged for asking for an extension?
No charge for asking, but penalties apply if you delay after approval.
Q4. Will my loan limit reduce if I extend?
It depends, sometimes it drops temporarily until you clear all balances.
Conclusion
Extending your TLoan repayment date isn’t automatic, but it’s possible when you communicate early.
TLoan responds better to users who notify them before the due date, and this simple step can save you from unnecessary penalties or credit score issues.
If you ever find yourself short of cash before repayment day, don’t panic, just reach out through their support line, explain your situation politely, and request extra time.
Being responsible and honest with repayment is the fastest way to keep your credit line growing on TLoan.
