Every business requires capital and funds to strive in any atmosphere. However, getting the required capital to scale this business might sometimes be difficult due to a lack of access to funding.

Financial institutions such as banks are known to offer loans to business owners but the entire process of getting that loan can be tedious sometimes and which can be discouraging at the same time.

We’ve seen many individuals complain that the paperwork involved in securing a loan from the bank is too much and the probability of getting the loan is not certain.

Most businesses have gone out of business due to a lack of money to support their businesses. In other to bridge that gap and create adequate access to funds, Pennee a digital lending platform and company has come into the picture to bridge that gap and make available funds to qualified businesses. With Pennee, companies can secure a loan of up to 25 million Naira to support their businesses and also scale by hiring more hands and purchasing more machinery to boost productivity.

If you’re a business owner and you’re looking for a loan to scale your business, then you’re in the right place.

In this guide, you’ll learn how you can secure a loan of up to 25 million Naira for your business.

Make sure you stick to this article without skipping any part of it or else you might miss out on the most important part of it.

Also Read: Fundy Loan App Review ( My Experience With Shady Loan Shark)



Penee (Company Profile and Overview)

Pennee is a fast-rising company in Nigeria that is into the provision of loans to businesses looking to expand their business. The company operates through its financed-centred mobile app which allows its users to have access to loans and enjoy its available accounting service.
According to loanspot. Pennee is an organization that was founded by Majero Emmanuella Kunu in the year 2019. The aim of the founder is to support small businesses with the required loan they need to expand their business to a level where they can stand firm, survive on their own, and also provide job opportunities to job seekers.


Services Being Offered By Pennee

Pennee provides different services to its customers such as Asset financing, Overdrafts, Inventory Financing, and Cash Flow Management.

Asset Financing

With the asset financing service being rendered by Pennee, customers can use this service to purchase the equipment and different tools they’ll need to scale their business and production power.

Basically, this is designed as a powerhouse for business growth. Most businesses are stuck in the stage of growth when they need to upgrade their production equipment. Most of these businesses, when they touch their reserved funds, will drastically affect their business when it comes to paying salaries, taxes, maintenance, and other miscellaneous expenses.
With Pennee a business can get finance to scale and then pay back a 2-4% interest rate every month.

Overdrafts

The overdraft service provides customers with an overdraft. This can help when your business needs urgent cash to sort out some financial predicaments that need urgent attention.

Inventory Financing

As the name goes, inventory financing is a service that is designed to provide businesses with the right capital to stock up their inventories. This will help them scale up and still remain in business while they pay back gradually.
Cash Flow Management
Cash flow management is a business management tool that helps businesses keep proper records, track their business, budget properly, and also predict their inflow and outflow of funds. This service is vital for any business that wishes to grow and be more accountable.
As a business owner, you can know if you’re at a loss on profit if you properly make use of the cash flow management service.


How To Register or Signup With Pennee

The registration process on Pennee is very easy and straightforward. All you need to do is to make sure you have access to an internet connection and a smartphone then follow these simple steps.

To start your registration on the Pennee loan-centered platform, do the following.

Step #1

Download the Penne Mobile App from Google Playstore

Step #2

Open the Pennee mobile app enter your correct details on the online registration form and click on SUBMIT.
Note: Upon the completion and submission of the form, you’ll need to verify your account to qualify for your loan.

How To Borrow a Business Loan From Pennee

To get a business loan from Pennee, you’ll need to the mobile app and follow these steps.

Step #1

Visit the Google Play store or the iOS Apple Store and download the Penne loan app.

Step #2

Go ahead and create a business account on the platform. Upon creation of your business account, you will then go ahead and verify your business account by completing the KYC where you will be asked to upload all necessary documents.

Step #3

Penee will now fund your account automatically.

Interest Rate On Pennee Loan App

Pennee loan app has an interest rate of 2%-4% on any loan amount you borrow on their mobile app. Aside from that, you must note the maturity period of the loan you’re taking because every loan has a different maturity period. This period is when you’re expected to pay back the loan. You can learn more about the Pennee Loan App Maturity Period from its website.


What Document Is Required Before Registering On the Pennee Loan App?

The Pennee loan App or Platform does not require lots of paperwork. The app will only ask you for the basic details about you and your means of identification such as your national identity card or international passport.
This verification process is a mandatory KYC put in place to filter out fraud or duplicate accounts.

How To Download Pennee Loan App

To download the Pennee Loan App, you’ll need to know the kind of phone you’re using. If you’re using an Android phone, then you need to visit the Google Play store to Download the Pennee Loan App. However, if you’re an iOS (iPhone) user, you’ll need to visit the iOS Apple store.
Once you’re in the app store or Play Store, search for “Pennee”. Once the app comes up, hit the download button and install.

How To Contact Pennee

If you encounter any difficulties, you can always use the contact information below to contact Pennee.
You can contact Pennee via the following ways:
Address: 86 Olonode St, Yaba 101212, Lagos

Phone Number: 0706 603 9932

Website: www.pennee.co

Email Address: swift@pennee.co

Conclusion/ Final Verdict

Every business deserves a chance to strive. When you encounter a financial constraint as a business owner, you can use Pennee to bounce back into the business and pay a very low-interest amount every month.
If you find value in this article, don’t forget to share. This will encourage us to write more informative articles like this in the future.

Source: https://sermonwaveblog.com.ng/best-way-to-borrow-from-pennee-business-loans-for-business-owners/

If you are looking for a way to successfully open an Opay Account in 2024, this guide is for you. In this guide, you’ll learn the steps you need to take to successfully create a fully functional Opay wallet or bank account with just your smartphone. These steps are easy and straightforward.

When it comes to operating a traditional bank account, this can be stressful. I believe you must have had the experience of cueing in the bank hall for over 4 hours just to wait for the customer service representative to attend to you. That experience can really frustrate an individual especially when you’re the type that loses your patience in the slightest provocation.

However, With the advent of prepaid banks such as OPay, Moniepoint, Palmpay and so many more, a lot has changed recently and life has been easy when it comes to banking in Nigeria.

OPay is among one of the fastest-growing prepaid banks in Nigeria and the bank’s aim is to revolutionise the banking industry by making transactions seamless using their sleek mobile app. This app is a multi-functional user-friendly app that comes with lots of amazing benefits and functionality that you need to enjoy the modern way of life in the 21st century.

These are some of the reasons why the app is always regarded as a mobile money wallet. It’s more like a personal wallet that holds all your valuable items in one place. With the OPay mobile money app or wallet, you can transfer money seamlessly, pay bills, get discounts on airtime and data purchases, pay for electricity and many more.

To become a user of OPay and benefit from all of these amazing functionalities and services, you need to have an account with OPay.

I guess that is why we are here talking about OPay App. Creating an account with Opay allows you to enjoy the app to the fullest without any form of restrictions.

Keep reading as I reveal the fastest and easiest way you can create an Opay account in Nigeria in 2024. This guide will walk you through the entire process and make it an easy peasy. NO STRESS!



Also Read: Writing a Successful Business Plan Like a Pro



What Are The Requirements For Opening An OPay Account?

To successfully open and operate an OPay account in Nigeria, you must first meet some of the requirements put in place by the bank. Below are the main things you need to create a tier 1-3 Opay account in 2024.

You need a Valid Phone Number
A Valid Email Address
A Strong Password (Make sure you remember the password)
You need a BVN (Bank Verification Number). This BVN can be obtained from any traditional bank in Nigeria.
A Valid ID Card( A government-issued identity card such as a voter card, international passport, driver’s license, or national identity card preferably)
Note: The bank requires this document because they have been directed by the Nigeria Apex Bank (CBN) to ensure compliance in the banking sector to enhance the security of your financial transactions.

Steps On How To Open An OPay Account In 2024 (Step-by-step Process)
To open your Opay account ensure you have all the documents mentioned above. Once you have them you can then proceed to the next step of creating an account with Opay.

Step#1

Visit any of the popular stores which are Google Play Store or Apple Store to download the app depending on the operating system of the smartphone.

Step#2

Make sure to click on the “SIGN UP” button displayed on your screen when you open the app

Step#3

You will be asked to create a secured password. Make sure to add a valid passport, something you can easily remember and difficult to guess by a third party.

Step#4

A verification code will be sent to the phone number you used during the signup process. This step is very important because that phone number will be used as your account number. Make sure to enter the verification code sent to you.

Step #5

Create a 4-digit PIN which you will use for authenticating a transaction.

Note: You have the option to link your debit card to the account for easy funding. However, this step is optional.

You can go ahead to fund the OPay account once you have carried out all the steps mentioned above.

How To Secure Your Opay Account From Hackers and Fraudsters

The current fraud rate in the country is alarming due to how easy it is to open some of these prepaid banks. however, as a user of Opay mobile wallet, you can safeguard yourself by following some of these tips to chase away fraudsters who might want to steal your hard-earned money.

To safeguard yourself and your account, the first thing you need to do is to ensure you create a password combination that is extremely difficult to guess. To do this, you can use the combinations of upper case letters, small letters, symbols etc.

I have seen people make the mistake of using passwords like 1234. This is a wrong approach even though it might be easy for you to remember.

What I will advise you is to create something complex like @#22&77$$. Something like this can never be guessed by a criminal preying on your account.

If you feel your password is compromised, you can as well change the password anytime to secure your account.

How To Troubleshoot Your Opay Account (Common Issues Faced By People)


Most people have complained that they are having challenges opening their Opay account. This issue in many cases is not from Opay rather it’s an issue from their network providers. If for any reason you’re trying to create an account and you encounter issues like VERIFICATION CODE FAILED. This might result from your number not receiving the code due to your network provider. Don’t panic, you can always retry anytime.

When using an email to sign up or create an OPay account, a verification email might be sent to you and you might not receive it. The thing is that, sometimes, the code might be in your spam folder. To verify if the code was delivered successfully, you can check your spam folder and be sure that it’s there.

Another issue might be an incorrect number. Some people in haste usually enter the wrong number hoping to get the verification code to sign up. This will not work, the code will be sent to the wrong person. this is why you need to always cross-check to ensure that the number entered is correct.

The last on the list is network issues. The truth is, sometimes your network provider might be having issues which might hinder your registration. If you suspect that your network is bad and you have internet data, you can restart your device to see if it will work or you try again later.

How To Contact OPay Customer Care/Support


If you are having any challenges, you can contact Opay Customer Support using the contact information below:

For app and card queries: +234 700 8888 328 or +234 1 8888 328
For POS business queries: +234 700 8888 329 or +234 1 8888 329
You can also communicate with OPay via WhatsApp at +234 916 599 8936.
Social Media: Instagram, Twitter, Facebook
In-App Support: OPay also offers a direct way to reach customer support through the app. You can use the “Help Center” or “Chat with Us” features to speak directly with a customer care representative.

Conclusion

If you follow all of the steps highlighted in this guide, you will open a functional Opay account successfully.

This account will allow you to carry out transactions easily because the Opay app works like the speed of light in the sense that once money is sent, it reflects almost instantly in the Opay account.

While using the Opay account, it is your responsibility to keep your account safe to avoid it being compromised by internet scammers. This is why it is advisable to create a strong passport and also avoid giving details to anyone who calls you to tell you that they are an agent of Opay. Opay will never call you to ask for your PIN or even ATM card details. Stay safe out there while using the Opay banking app or wallet.

If you find this guide helpful, don’t forget to share, this will encourage us to write informative articles like this every time. Thanks for stopping by.

Source: https://sermonwaveblog.com.ng/steps-to-successfully-open-an-opay-account-in-2024/

The BVN which is known as the bank verification number has played a major role in the banking industry to curb money laundering and also as a means of identifying every account holder in Nigeria.

This BVN was implemented by the Nigerian apex bank (Central Bank Of Nigeria) as a means to combat any form of fraud in the banking industry as a result of the alarming rate at which frauds are being perpetuated in the country.

The BVN comes as a unique identification number that is unique to one person. This means that two people cannot use one BVN to create different bank accounts at different banks. The BVN has helped create a smoother transaction among bank users. However, not everyone knows how to access their BVN.

If you're one of those individuals struggling to access your BVN and print out your BVN details, then this guide is for you. Ensure you read the guide to the very end without missing anything because I'll be capturing as many important details as you need to know about printing your BVN.

One of the reasons you need to have your BVN with you all the time is to relieve you from the stress of providing it all the time. having it handy will allow you to present it whenever it is needed for any verification such as opening bank accounts, applying for loans and many more. Just ensure you always have it with you, you never know when it might be needed urgently.

So without much talk, let us dive straight to the point where you learn[b] how to print your bank verification slip in Nigeria.
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Ensure you follow each and every step carefully to successfully print out your BVN slip in Nigeria.




Also Read: https://sermonwaveblog.com.ng/steps-to-link-nin-bvn-to-uba-account-in-2024-step-by-step-guide/

What Are The Requirements For Printing Out Your BVN Slip In Nigeria

You must meet certain requirements to print out your BVN slip successfully in Nigeria. These requirements are essential for successful printing.

One of the reasons why these requirements are necessary is because of how important this document is and the confidentiality nature of the BVN. Below are the basic requirements needed to print a BVN Slip In Nigeria.

BVN Number

The BVN is the first and foremost requirement needed to print the BVN slip. This number can only be gotten from any of the Nigerian traditional banks you see around you. To have your own unique BVN, you need to visit any of these banks, they will capture your biometrics and other essential details before the number can be generated because it is unique to an individual.

Understanding How BVN Works

Having a basic understanding of how the BVN works will enable you to know how to point your BVN. Once your bank issues you your BVN, you can go ahead to use that number to create an account with any bank within Nigeria without having to enrol on the BVN again. Try to keep the number safe and avoid sharing it with strangers because when a fraudster gets his hands on that number, they can compromise your account, collect loans with your credit score and do a lot of damage. KEEP IT SAFE!

How To Print Your BVN Slip Through NIBSS BVN Validation Portal

The NIBSS BVN Portal is a secured portal that serves as a gateway for you to easily print out your BVN Slip in Nigeria.

To successfully print out your BVN Slip in Nigeria through the BIBSS Portal follow these simple steps below:

Use your PC or Smartphone to visit the official NIBSS Portal

Enter your BVN in the required field (Make sure you have your BVN before embarking on this step)

You'll need to authenticate your request using additional personal information

Go ahead and pay the BVN access fee on the portal. This payment can fluctuate depending on the time of year you're reading this guide.

Upon validation and processing of payment, you can go ahead and print your BVN slip directly from the portal.

How To Print BVN Slip Through Bank Branch

Printing BVN from the bank is the most recommended method of printing a BVN slip because it is easier. You don't need any computer skills and how to make payments through an online payment processor. This service will be rendered to you for free by the bank. So to print your BVN slip via the bank branch, follow these simple steps.

Visit the bank branch where you created the BVN. This doesn't necessarily mean the main branch where you got the BVN. Let's say you got it in GTBank and relocated to another state, you can visit another GTBank in that state to get it. Always try to visit early to avoid cues.

Present a valid government ID to the bank for them to validate your identity as the owner of the account requesting access to the BVN. These IDs can be international passports, driver's licenses, national identity cards NIMC Slips, or voter cards.

Talk to the customer care representative that you need a printout of your BVN slip. Most banks will give you a form to fill out for record purposes and others will just photocopy your ID and ask for the BVN to print it out for you.

After that, they will print the BVN slip and give it to you.

Note: Some banks might have a nominal fee for printing your BVN slip, while others may not. In most cases, they usually send a PDF copy to your email so you can visit any printing shop to print it out.



Conclusion

All of the processes we highlighted in this guide work perfectly well for printing your BVN slip in Nigeria. Once you have a hold of a copy, I'll advise you to make several photocopies for future use. This means you don't need to always visit the bank to print your BVN.

With that all said, we've come to the end of this guide. We hope you got value from this guide, if you do, don't forget to share. This means a lot to us and will encourage us to put out more helpful guides like this out there. thanks for stopping by.

Source: https://sermonwaveblog.com.ng/step-by-step-process-to-print-bvn-slip-in-nigeria-2024/

Palmpay App is one of the prepaid banks in Nigeria that is revolutionizing Nigeria’s banking industry. The app is making so many waves that many people prefer to keep their money in the Palmpay wallet rather than their traditional bank account.

With the Palmpay app, you can carry out different transactions such as bill payments, airtime purchases, data purchases, money transfers, discounts, fund a betting account and so many more. This feature available on the Palmpay app, made the app one of the most sought-after prepaid banks in Nigeria, followed by the Opay Mobile App and Kuda Bank.

However, I believe you have a personal reason for wanting to delete your Palmpay account right? I guess that is why you’re here in the first place. so don’t worry, keep reading as I reveal some of the things you need to know in other to delete your Palmpay account.

Some people might have had their account compromised for some reason and they no longer have confidence in using their Palmpay account, so they find every means necessary to say goodbye to Palmpay.

I want you to know that deleting your Palmpay account is like a piece of cake, it’s easy and straight to the point.

So without saying too much, let us dive into How To Delete Palmpay Account In 2024.

Also Read: Step-By-Step Process To Print BVN Slip In Nigeria 2024



How to Delete Palmpay Account

Majorly, there are two major ways to actually delete an existing Palmpay account. These methods are Deleting through the Palmpay App and Deleting Via Email. These two methods are very effective and they work 100%.

To delete your Palmpay account, simply follow the steps below.

Deleting Palmpay Account Through Palmpay App (step-by-step process)
To delete your Palmpay account through the Palmpay mobile app, you need to follow the simple steps below.

Open the Palmpay app and log in to the app using your password or fingerprint if you already activated that.
Locate the settings navigation within the app menu
Click on the “ACCOUNT MANAGEMENT” option
You’ll see where it says ‘Deactivate Account’
click on it and follow the instructions to confirm the deactivation process
Deleting Palmpay Account Using Email
Every Palmpay account needs to be linked to an email address. To delete your Palmpay account using the registered email address associated with the account, follow these simple steps:

Use either Gmail, yahoo, or any email provider you used during sign-up
Make sure you’re logged into the email account
Copy this email
Copy this email “support@palmpay.co” and use the subject line “Request to Delete PalmPay Account.” when composing the mail.
State the reason why you wish to delete your Palmpay account. Once you send the email, a customer representative will follow up with your request and proceed with deleting your PayPal account.
Note: When it comes to deleting your palmpay account, you need to make sure that you’re not owing any Flexi loans. If you have any outstanding loans, the account will not be deleted until you pay off your debt.

Some Of The Things You Should Consider Before Deleting Your Palmpay Account
Sometimes something might have happened and you feel bad about it, the next thing that comes to your mind is getting rid of the Palmpay account.

But wait a second!

Have you asked yourself if you’re making the right decision? However, before deleting consider this!

Transaction History

Your transaction history is very important for reference purposes just in case you need to perform an audit. Once you delete your Palmpay account, keep in mind that you will lose your financial data forever and there is nothing that can be done about that. This means that in the long run when you need your old transaction record for audit and tracking the inflow and outflow the data won’t be available for you. Issues like this likely affect your tax or settling disputes.

What To Do Instead Of Deleting Palmpay Account?
In other to be on the safer side, I will advise you to place a limit on the account by deleting any private data without actually deleting your account from the bank. This is because you may likely want to use it at some point in time.

Conclusion
When it comes to deleting an existing Palmpay account, the entire process is easy and straight to the point. You don’t need to be a smartphone nerd to do that. All of this can simply be done from the app and in the comfort of your home.

If for any reason you have made up your mind to delete your Palmpay account, then you need to as well make sure that you settle any outstanding debts, and make a copy of all your transaction records on the app. These records can be deleted from the app.

It is your right as a customer of the bank to request that your data be deleted and your account closed.

With that all said, we’ll call it a wrap!

If you find this guide helpful, don’t forget to share. This will encourage us to keep writing articles that solve your problems as well as educate you.

Thanks for reading this guide to the end and have a pleasant day ahead. Don’t forget to check out our guide on how to tell if your BVN is blacklisted as well as how to print your BVN Slip.

Source: https://sermonwaveblog.com.ng/deleting-a-palmpay-account-in-2024-step-by-step-guide/

The BVN which is known as the Bank Verification Number can be blacklisted. Only a few people are aware of that. When a BVN is blacklisted, it leaves a negative online footprint which can be easily verified by money lenders and other financial institutions. This means that you can not borrow money from any financial institution within the country, which is not good for a business person or someone who is looking forward to establishing a business or getting a loan to fund a project.

With the current rule in the financial sector of the country most especially the banks. When a BVN is blacklisted, it means that the owner of the blacklisted BVN cannot get a loan or even create a new bank account with any bank in the country. This is because for any bank to open an account for you, you need to present a BVN so they can complete the entire process.

With this guide, you'll be able to know how to check if your BVN has been blacklisted.

So make sure you stick to this guide and read the entire article to the end without missing anything. So without much talk, let us move into the main topic of discussion.



How to Check if Your BVN is Blacklisted in Nigeria

Checking if a BVN has been blacklisted in Nigeria can be done in 3 easy ways. Below are ways in which you can check if your Bank Verification Number (BVN) is blacklisted.

Checking BVN Through Online Portal

Checking BVN From the Bank

Checking BVN By Calling Customer Service

How To Check BVN Through Online Portal

For you to check your BVN through the online portal, you'll need to make use of the BVN by visiting https://agencyservices.com.ng/. Once you open the URL, go ahead and locate where it says "CHECK BVN STATUS".

Once you enter your BVN, you'll receive a notice that says "Your BVN is Blacklisted". This notice will only come up if your BVN has been blacklisted. To solve this problem, you'll need to visit your bank for more information.

How To Check BVN From the Bank

To check your BVN status, you need to visit the bank where you got your BVN. This doesn't necessarily mean you have to visit that same exact branch. You can visit any of their branches as long as they are in the same bank. This method of checking if your BVN has been blacklisted is one of the most direct and easy methods without any stress. Aside from that the bank will tell you what to do and how it can be solved.

How To Check BVN By Calling Customer Service

The customer service of the bank is your direct access to the bank whenever you are not available to visit in person. They can perform almost any transaction and address any issues you may have over the phone.

To confirm if your BVN is blacklisted, you can call your bank and make a request to know your BVN status. For them to give you that information, they will ask you some questions that can only be known by you. Once you answer it correctly, they can proceed and check.

If the BVN is blacklisted, they will profound your solution on how to solve it and the reason why the BVN was blacklisted.

We wrote a guide on the step-by-step process to print a BVN slip in Nigeria. You can check it out just in case you want to print your BVN slip yourself instantly.

What Are The Signs That a BVN Has Been Blacklisted?

There are different visible signs to help you know that your BVN has been blacklisted. Below are some of the signs that a BVN has been blacklisted.

Constant Loan Application Rejection

Account Restrictions

Online Banking Issues

Notification From Bank

Frozen Bank Account

Credit Bureau Report

Constant Loan Application Rejection

When a BVN is blacklisted, you'll always get a constant loan rejection without any reason from financial institutions and money lenders that make use of the BVN as a means of verifying the creditworthiness of a borrower.

Account Restrictions

If you keep getting sudden limitations on some of the services available on your bank account, then chances are your BVN has been blacklisted. You may not be able to carry out some basic transactions such as withdrawals and transfers.

Online Banking Issues

In many cases, depending on the bank, when your BVN is blacklisted, you may likely find it difficult to make use of your online banking. When you experience that frequently then it is a sign that your BVN is having issues.

Notification From Bank

The bank will always reach out to you to inform you about any issue your BVN might have and the reason why it was blacklisted. Whenever you receive any communication from the bank, always take it seriously and rectify it as soon as you can

Frozen Bank Account

A lot of bank accounts are usually frozen when the BVN attached to the account is blacklisted.

Credit Bureau Report

Having a regular check with credit bureaus in Nigeria will help you be in check and updated with your BVN status. If there is any issues or blacklist, the report will reveal it. This includes unpaid debts as well as fraudulent activities that have been carried out.

How To Ensure Your BVN Doesn't Get Blacklisted

Avoid Taking Loans From Loan Sharks

A lot of Nigerians are fond of taking quick short-term loans from all these loan sharks that display themselves as money lenders. Once you take a loan from them, they make it difficult for you to pay them and rely on them all the time. Once they notice you can no longer pay the loan, they send a signal to credit bureaus that you're a loan defaulter and a bad debtor. This action alone will lead your BVN to being blacklisted. Try any means necessary to avoid taking loans.

Avoid Any Form Of Fraud

Committing fraud can lead to your BVN being blacklisted. This means that when the bank finds anything fraudulent linked to your BVN such as scams, fake checks, and many more will lead to your BVN being blacklisted. So avoid it!

Don't Share Logins With People You Don't Trust

Sharing your sensitive information with people you don't trust can compromise your account and affect your BVN. Stay safe out there!

Conclusion

Your BVN is very important in your financial life because it leaves a digital footprint of every transaction you make in this 21st century we are today. This is why you need to always keep track of the status of your Bank Verification Number at all times for you to carry out your banking activities smoothly without having any issues.

Lastly what I will advise you is to avoid all these loan apps. Most of them are loan sharks that put you in a miserable web of debt and send signals to the credit bureau that you're a defaulter or a fraud.

Source: https://sermonwaveblog.com.ng/how-to-tell-if-your-bvn-is-blacklisted-in-nigeria/