QuickCheck App Review —Features, Ratings, and Real User Experience

The loan market in Nigeria keeps changing, but one app that has remained stable and constantly improved over the years is QuickCheck.

In this year, QuickCheck continues to be one of the most trusted personal and small business loan apps in the country.

Many users prefer it because it’s simple to use, the approval speed is fast, and there are no hidden steps before you get your loan. Below is a complete review based on live usage, verified user feedback, and app store performance to help you understand how QuickCheck really works before downloading or applying for a loan.

About the QuickCheck App

QuickCheck is a fintech loan app developed by Arve Limited, operating fully under the Central Bank of Nigeria (CBN) license. It provides instant personal and business loans using AI-driven credit scoring.

The app officially launched in 2017 and has since expanded across Nigeria, with over 1 million downloads and thousands of daily transactions.
It runs mainly through its mobile app (available on the Google Play Store) and offers a fully digital lending process, meaning no paperwork, no collateral, and no physical visit to any office.

App Features (2025 Updated Overview)

QuickCheck keeps updating its system for speed, accuracy, and better user experience.
Below are the latest features as of 2025:

• Instant Loan Access: Borrow up to ₦1,000,000 directly through the app.
• AI-Based Loan Decision: Uses advanced credit scoring and repayment data.
• No Collateral or Guarantor: Only your BVN and verified phone are needed.
• Flexible Tenure: Loan duration starts from 91 days to 12 months.
• Credit History Tracking: Users can monitor their credit score inside the app.
• Referral Program: Earn bonuses by inviting friends to join.
• Automatic Debit Setup: Repay easily without stress.
• Loan Top-Up: Existing users can get higher amounts after good repayment.
• 24/7 Availability: Fully digital, no banking hour limit.
• Smart Notifications: Alerts for repayment, loan due date, and offers.

Real User Reviews & Experience

Common praise: fast disbursement, clean UI, simple repayment flow.
Common complaint: strict repayment reminders and penalties for overdue payments.

Security & Privacy

The app complies with NDPR (Nigeria Data Protection Regulation) and encrypts personal data during transactions.

Advantages and Disadvantages

Pros

• Fast approval with no collateral.
• Transparent loan summary before acceptance.
• Lower interest for returning users.
• Active support and auto repayment.
• Legit and regulated by CBN.

Cons

• No option to apply via USSD (app only).
• No iOS app version.
• Loan limit grows slowly for new users.
• High reminder alerts for late repayment.

Customer Support Details

• Email: support@quickcheck.ng
• Website: www.quickcheck.ng
• Phone: 018888599
• Social Media: @quickcheckng
• Work Hours: Mon–Sat, 8am–5pm

FAQs

Q1. Is QuickCheck a legit loan app in Nigeria?
Yes. QuickCheck is CBN-approved and operates under Arve Limited.

Q2. What are the minimum and maximum loan amounts?
₦1,500 minimum and up to ₦1,000,000 for active users.

Q3. Does QuickCheck give business loans?
Yes, it offers both personal and SME-type loans for small business owners.

Q4. Why was my loan rejected?
A low credit score, incomplete profile, or unstable income record can cause rejection.

Q5. Can I use QuickCheck offline?
No. Currently, all services run only inside the mobile app (internet required).

Conclusion

QuickCheck remains one of the most consistent and transparent fintech lending platforms in Nigeria in 2025. Its fast approval, clean interface, and real-time disbursement make it a go-to app for individuals and small businesses.

Although new users may face smaller limits initially, consistent repayment unlocks higher credit levels and lower interest rates.