Palmcredit Review: Mobile Application to loan money in Nigeria ( Scam or Legit)

Is PalmCredit App Legit? Are they real and can they really lend money out as portrayed? These are some of the questions every one should ask at first PalmCredit introduction. And these lead us to another review again “PalmCredit Review” to help find answers to your questions before using PalmCredit app for lending Money.

Am Sure you can learn successful Blogging secrets through me, am also sure you can learn how to make money online with the help of my updates why not leave your email behind let me show you how.

As the days goes by, Technology keep increasing and the online world is gradually turning into a misery to those who can’t understand how things works.

PalmCredit SCAM UPDATE: please no one should use this app as there have been too many scam notification by my blog readers as most of them have gotten scammed. so do not use this app again else you are on your own if you get scammed.

When you aren’t online situated, things happening online are somewhat magical but when you understand, you won’t marvel at any new development.

PalmCredit Review: What is PalmCredit?

PalmCredit is a newly developed Android Application(Apk) with the function to allow users borrow money or take credit Card loans.

Unlike other places where you lend money offline, With PalmCredit Money lending application you can easily lend money from your Mobile phone without having someone to stand for you.(Collateral)

Your Bank Details are your Collateral when lending from PalmCredit. as that’s everything needed to get started.

Currently, This app only work in Nigeria but the developers are planning to extend it to more African countries.

Is PalmCredit App Legit Or Scam?

Before downloading the app, i needed to see other users reviews about them which i did by checking out Google Playstore were the app is uploaded.

The good reviews i saw there indicates that lots of persons are currently using the money lending app without having issues.

While those who have issues is as a result of the phones they used or network problems and the developers is there giving them solutions as soon as complains are laid (it makes me feel like they are real humans who are only ready for business).

Having downloaded the App on my phone, i was so much impressed with their users interface. (It creates another impression ‘they have spent so much to develope the app for better users experience).

I won’t conclude if they are legit or scam here: Keep reading.

How Does PalmCredit Money lending App Works

At first after installing the app, I saw two options. which are:

  • Airtime Loan
  • And Installment Loan

palmcredit review scam legit

  • Airtime Loan:

    Here you can get your mobile phone recharged even when you have no cash at hand. You Can borrow NGN1000-10,000 to pay back in 14 working Days.

  • Installment Loan:

    You can borrow real cash here and the money will be sent to your account where you can withdraw it. You can lend 15k-100k which you can pay back in 1-6months

Before You can do any transaction with this app, You must have to login with your Bank Details. Including your BVN number. this process is the registration process.

palmcredit review scam money lending app

PalmCredit Referral/Affiliate Program

This app also allow you to make money as an affiliate.

According to them, you will earn NGN600 for every user you refer to join the program.

I can’t really say much about this section as am not using the PalmCredit app affiliate program neither have i seen any review yet about their referral program.

To me, it’s just a way they’ve set up to get more clients to use their app. so PalmCredit referral program it’s much likely to be Legit. (You can give it a try and get back here with your review).

Before you can use their referral program, you must first of all be a registered member of PalmCredit

PalmCredit Loan Nigeria Charges and Interests Rates

As soon as you download and install the Palmcredit app on your android phone, Click on the left side menu bar. and you will see Palmcredit FAQ page

This FAQ page answers every question you need to know before and after lending money from Palm credit Loan Nigeria App

Is Palmcredit on Facebook?

Yes I have seen so many palmcredit review(s) on Facebook which even made me believe they are not scam.
as of the time of writing this article in case they later decides to temper with their reputations.

You can Find Palmcredit Facebook Page Here to see more Reviews about them.

PalmCredit Contact email Address

I also searched for this but i noticed they don’t have any contact email for now. that means you can’t send them message through email Address but you can still reach them anyway.

Palm Credit Phone Number-palmcredit customer care number

Palm Credit do receive calls which i think is better than email contact. You can reach PalmCredit on +23470072564357 this phone number is officially displayed on the PalmCredit Facebook page. you can find out yourself.

PalmCredit Website- palmcredit customer care number

PalmCredit activities like registration, taking loans, paying back and others aren’t done from their website which is instead you can get everything from the PalmCredit mobile app.

When you’re finding it difficult to repay your loan on PalmCredit

If you’ve got issues paying back your palm Credit loans perhaps because of network errors or so and your payment date is due, You can make payment to palm credit Nigeria via bank transfer while they clear your debt.

All you have to do is Make the payment of the amount you owe them to the bank as shown on above screenshot and the Contact them via their details as displayed or reach them officially on their Facebook fan page and drop your message with the payment proof. When your payment is confirmed, your debt will be cleared

Just in case you think this page is furged, you can reach them officially to confirm Palm credit their bank account before making payment.

Automatically, You can now repay your palm Credit loans when due with bank transfer. That’s when you encounter difficulties in replaying your loan.

My Final Say:

As far as You’re in Nigeria and you provided the required Details correctly, they are working absolutely alright from users reviews.

Sure: You can use this App but with fear.

The only risky thing here is your Bank Details which are disclosed. But taking deep look, Am sure your data is safe.

For Now , We can say PalmCredit is Legit and Not Scam: If any scam activity is found later about this money lending app, we shall surely update this page.

Downloading PalmCredit App

To Download PalmCredit app is absolutely free of Charge and you can install on your Android mobile of all version.

The app is available on Google PlayStore and many other download Websites You can Find Here.

As You rock with this App, Remember this is Nigeria where anything can happen; (Goodday)

PalmCredit SCAM UPDATE: please no one should use this app as there have been too many scam notification by my blog readers as most of them have gotten scammed. so do not use this app again else you are on your own if you get scammed.

Palmcredit loan nigeria app review Search terms

  • PalmCredit FAQ
  • Palmcredit Login
  • Palmcredit Sign Up
  • palmcredit loan nigeria
  • palm credit loan app
  • palmcredit nairaland
  • PalmCredit Contact number
  • PalmCredit email Address
  • palmcredit customer care number


  1. Clint said:

    Seriously am interested to this app.but the issue here is am really scared to b scam!!

    October 9, 2018
    • Live itself is a risk: So many users have testified that Palm Credit app is legit from google play store and even on Facebook pages. So you have nothing to fear since they are still functional.

      October 9, 2018
      • Seun said:

        Plam Credit is a Scam…You will regret signing on

        April 1, 2019
        • yeah, most of the such kind of sites now a days are becoming scam. will carry out an investigation to know their current status. thanks for your comment.

          April 1, 2019
  2. Funmi salami said:

    I need to payback my loan today and I can pay simple bcos I can’t find d verification code sent to me and I can’t log in for my loan plssssssssss send solution to my email now thanx

    October 22, 2018
    • The best Method to Get help from Palm Credit Support is not even calling their line because it’s always busy. Kindly login your Facebook, search for PalmCredit Facebook page and message them with the issues you’ve got and they will reply you in less than 24hrs.

      October 23, 2018
  3. Adamu Sandra said:

    Please I need more detailed information on how to pay back if granted and the highest amount I can get for the first time.

    October 22, 2018
    • Am sure the amount you can get at first time from Palmcredit is not different from what existing members can get.

      Concerning how to payback when you lend fromPalm credit Nigeria, Every amount you’re in to Take as a loan, there’s always a pay back date attacked to it. you will see the due date when taking loans from your palmcredit App

      October 23, 2018
  4. Ken said:

    Useless app. Rude customer care. Useless loan policies. I will not recommend it yo my enemy. They should go find another business

    October 28, 2018
    • Seyifunmi said:

      I agree with you 120%….This is the worst customer service I have ever seen in my entire proffessioaal career.
      The staffs are so rude and lack the basic of customer relation.I’m am sure QUEEN and DANIEL are one of those people that got the job out of desperation to survive.
      I will NEVER advice anyone to use this App,if you love yourself!!!!!

      November 16, 2018
      • Funmi said:

        PalmCredit is 100% scam. Don’t ever try it. Don’t know why they still exist?

        May 18, 2019
  5. Ekwueme stella said:

    I want to withdrew from this .l because l don’t trust this palmcredit

    November 5, 2018
  6. Amadi john onyekachukwu said:

    Please how can I get a little loan to pay back on payday, an amount like #10,000. Please kindly help me.

    November 14, 2018
  7. Akande oluwaseyi ayomide said:

    Please can I get loan from your company which I can be paying monthly.

    November 26, 2018
  8. Ensign AD said:

    Mr. Kennedy Prosper why are you the answering most questions? Are you part of the management of PalmCredit? I melt a rat here…

    November 27, 2018
    • Am not Palm Credit Agent. And that’s what i have directed everyone on how to contact palm credit officially.

      Am not to answer official queries of Palm credit. Read the information i shared then reach out to them officially for help

      November 27, 2018
  9. Joseph bamidele aweda said:

    By asking for my BVN, I hope am safe. Because other finance company will only ask for BANK ACCOUNT, ALERT PHONE NUMBER & NAME.

    November 30, 2018
    • 98% of financial companies in Nigeria ask for BVN i. E.g Get barter, Paystack, wemma alat and other monetary apps and yet they are legit. I can’t be specific why they are requesting for BVN but am sure it’s part of the programing and not for fraud sake

      December 1, 2018
  10. Afolabi Bunmi Helen said:

    Do you operate a pos which I can use for sending and receiving cash, if any let me know the procedure, I need one for business where I can transfer and withdraw cash for people as business.

    December 5, 2018
  11. Ernest i said:

    I need to be sure that they are legit.

    December 19, 2018
  12. Adebayo Vicky said:

    Hello pls I am having difficulty paying back so I made a transfer to the designated account. Up till now I am still in debt and its increasing.. This is really frustrating me. Pls help

    December 23, 2018
    • I will advice you contact palm credit on Facebook to lay your complaints they will attend to you. Sometimes their server might get issues making your payment to be unconfirmed.

      Once you pay manually send them your payment proofs on Facebook via the message button and am sure they will confirm your payment and clear your dept.

      December 26, 2018
  13. ABAH INNOCENT said:

    i have been trying to reach out to them since 25th and all effort to no avail, l,s my loan has matured since 25th and I can’t get it paid cos of the app keep telling error or insufficient funds, kindly assist on how to get this cleared as the debt is increasing.

    December 28, 2018
    • Message the on Facebook. That’s the fastest means to contact Palm Credit and get quick reply

      December 28, 2018
      • Roseline said:

        Why are you replying, they are not responding because they sre suspecios

        April 12, 2019
  14. my name is Tiamiyu saheed tunde said:

    please have paid to company account number but the company still increase my loan, please help me out on ot

    December 31, 2018
  15. Tiamiyu saheed tunde said:

    please need customer care number I want to explain my problem to them my name is Tiamiyu saheed tunde

    December 31, 2018
  16. Pius olasoji said:

    Pls oh, I need help, I requested for loan, palmcredit said they have paid me, the money is not in my account, my bank said I should talk to you because you din’t sent it

    January 1, 2019
  17. Tiamiyu saheed tunde said:

    my name is Tiamiyu saheed tunde have made a transfer to the palmcredit account and he still increase me everyday, please help me solve this problem

    January 2, 2019
  18. Ola said:

    Hi. Whats the interest rate for palmcredit?

    January 13, 2019
      • OCHELLE Paul Ohini said:

        I just downloaded the palm credit application. Before I proceed, I want to know the interest rate for palm credit.

        January 28, 2019
        • From your app screen you will see the instrest rate when you login

          January 29, 2019
  19. Aliyu Umar gumel said:

    Firstly, It is not safe to give out my BVN.
    Secondly, someone was complaining that they sent text messages to his phone contacts asking for them to talk to him to payback his loan. I know they can do it, because the app has access to the user’s phone contacts.
    So, I can’t use this app.
    Very frustrating!

    January 17, 2019
  20. Dangana Ibrahim said:

    I need pay back my loans which iam finding difficult to do.pls I need your help

    January 26, 2019
  21. Aregbesola Oluwaseun said:

    I have issues in paying back my loan for 3 days now.
    Will i pay interest when your application caused for me. I have money in my account pls

    January 29, 2019
  22. Bella said:

    My friend used my phone number to register his palm credit account without my consent I have warned him to change it but he refused.. Please how do I report him to the company

    February 12, 2019
    • Just visit Palm credit Page on Facebook and lay your complain am very sure they will help you solve that

      February 13, 2019
  23. olatunde isaiah obasa said:

    hello i applyed for a loan from.palm credit and all necesaary requirment was met including my bank card and 30 Naira was dwducted account but the money has not been disburse into my account i chat with the customer care but no respond.

    February 26, 2019
  24. Morning, please I want to pay my load back and is complaining of network, please how can I repay it

    March 6, 2019
    • abayomi adebayo anifowose said:

      I have intention of applying for a loan through this app initially but with various comments I have seen so is a risky decision

      May 12, 2019
  25. Blessings said:

    I requested for loan from palmcredit, the sent me notification that the money is being sent to my account but I didn’t received it. Now I have chat them via their customer care yet no response. What should I do

    March 18, 2019
  26. Blessing Ariba said:

    I have used this app and they are scammers big TIME. I was 4 days over due to to difficulty with the app so I transferred to their Access bank account with the huge interest. Days later they deducted from my account daily and still claimed I was owing them even after informing them of my complete payment. Patronize Paylater or Branch. They are con.

    April 3, 2019
    • Authorme said:

      don’t know why they resorts in this act. have you tried to contact their admin

      April 4, 2019
  27. fati said:

    Enter Your Comment…there are scam and useless, I collected loan of airtime of 2k , I paid all d 2 and interest. since then, paystack has removed 8500 from my account. I outsmart them by removing a loan cash of 13, 000 to recover my money since they refuse to pay me back. am waiting for them to call me and we will meet in court. thieves

    April 11, 2019
    • Authorme said:

      probably you did not deactivate auto subscription. anyway, seems the scam notice is getting too much. hope they do something about it

      April 12, 2019
  28. abayomi adebayo anifowose said:

    I have intention of applying for a loan through this app initially but with various comments I have seen so is a risky decision

    May 12, 2019
  29. Herrick said:

    How can I edit my personal details on my palmcredit app on my android phone ,cuz I want to change some certain personal updates.

    May 16, 2019
    • Authorme said:

      most of this sites would not allow direct editing, so you might have to contact the admin of the site to edit it

      May 20, 2019
  30. Nathan Omemam said:

    I now have a new card. The App is not allowing me make payment. Rather palmcredit is increasing my loan.

    June 29, 2019
    • Authorme said:

      Try and contact them. Also I have recommended not using them because they are behaving some how shady

      July 7, 2019

Leave a Reply

Your email address will not be published. Required fields are marked *