Many people find it hard to keep their business or daily life stable without a good money backup. The truth is, no matter how smart or hardworking you are, unexpected expenses can show up anytime. For those who understand how money rotation works, loan apps have become one of the best ways to stay ahead without stress.
In 2025, several microfinance and digital lenders are helping Nigerians solve short-term money problems without collateral, and one of the most active among them is TLoan, a verified app by Giasun Technology Nigeria Limited.
The app is built specifically for Nigerian users, with quick cash processing and repayment terms that respect your timeline. From hospital deposits to school fees, business restocking, or personal needs, TLoan provides instant financial help when you need it most.
In this post, we’ll show you everything you need to know about how to get a loan on TLoan, how it works, its interest rate, and all key details you must know before applying.
Overview of TLoan App
TLoan is a digital lending app that gives personal and business loans without collateral. It focuses on helping Nigerians meet emergency needs within minutes using only a mobile phone and BVN.
The app is available on the Google Play Store with over 1 million downloads, rated 4.1 stars, and supported by Giasun Technology Nigeria Limited which is a registered financial company operating under Nigerian lending regulations.
TLoan Loan Features
- Loan range: ₦5,000 – ₦1,000,000
- Tenure: 91 days to 365 days
- Annual Percentage Rate (APR): 12% – 36%
- No collateral or guarantor required
- Fast disbursement within minutes after approval
- Flexible repayment through debit card or account transfer
- 100% online process (no physical paperwork)
Example:
If you borrow ₦200,000 for 6 months at 24% APR, your total interest is ₦24,000.
That means your total repayment will be ₦224,000 with a monthly plan of ₦37,333.
Step-by-Step: How to Apply for a Loan on TLoan
- Download the TLoan App
Get the latest version from the Google Play Store. - Register Your Account
- Use your phone number linked to your BVN for verification.
- Agree to the app’s Privacy Policy and Terms of Service.
- Provide Basic Information
- Full name, BVN, occupation, and income source.
- Verify using OTP sent to your registered phone number.
- Complete Credit Assessment
The app will check your eligibility automatically, this takes less than a minute. - Select Loan Amount and Duration
Choose how much you want and a repayment duration that fits your comfort. - Submit and Wait for Approval
If approved, money drops instantly into your linked bank account.
Loan Eligibility Requirements
To qualify for a TLoan loan, make sure:
- You’re a Nigerian citizen aged 18–60 years.
- You have a valid BVN and an active bank account.
- You use a smartphone with Android 5.0 or higher.
- You have a stable income record or transaction history.
Loan Uses (What You Can Borrow For)
- Business capital or stock refill.
- School fees and academic expenses.
- Medical or hospital deposits.
- Utility or rent payments.
- Festive or family events (Eid, Christmas, weddings, etc.).
Advantages of Using TLoan
- No collateral, no paperwork.
- Instant cash sent to your account.
- Multiple repayment methods.
- Clean, simple app interface.
- Option for higher limits when you repay early.
Common Issues and Fixes
• Loan rejected:
Make sure your BVN and personal details match your bank account name.
• App not sending OTP:
Check your mobile network or update the app to the latest version.
• Loan approved but not received:
Wait 15–30 minutes; if not received, contact TLoan support.
• App freezing during repayment:
Restart and retry; if the issue continues, clear the app cache.
Frequently Asked Questions
Q1. Does TLoan require collateral?
No. All loans are processed digitally without collateral or a guarantor.
Q2. How fast is TLoan loan approval?
Most loans are approved within 2–5 minutes if your information is correct.
Q3. Can I borrow again after repayment?
Yes. Your loan limit increases automatically once you repay on time.
Q4. What happens if I miss the repayment date?
Late repayment attracts small penalties and may reduce your credit score.
Q5. Is TLoan safe and legit?
Yes. It’s operated by GIASUN TECHNOLOGY NIGERIA LIMITED and verified on the Google Play Store with over 1M+ downloads.
Conclusion
TLoan has proven itself as one of the trusted instant loan apps for Nigerians in 2025. With no collateral, fast approval, and a clean repayment system, it remains a strong choice for individuals and small business owners who need quick support.
However, always borrow what you can repay, and keep your account records accurate. Loan apps like TLoan reward loyal users who pay back early with higher limits and longer durations.
