PearlCash loan app review, how to get loan, is it legit?

PearlCash loan app is a popular lending platform that gives easy access for customers to borrow fast loans online. You can apply anytime anywhere, easy verification without collateral, paperwork nor upfront payment. 

If you are in need of urgent cash, either to support your business or for personal purposes, PearlCash loan app got you covered. In this article, we are going to look at the features of this loan app, how to apply for loan and get instant approval and the requirements involved.

Features of PearlCash loan 

Flexible Loan
1. Loan period: this loan app give out loan of up to ₦200,000 to customers.

2. Period : 91-365 days. Within this period, you are required to payback. Note that paying back on time will increase your credit score. This implies that you will be eligible for higher loan amount next time.

3. Interest rate: Max Apr : 15% per year
Loan example:
If you choose a cash loan of ₦1,000 with a period of 91 days, the fees charged are as follows:
Monthly interest rate: 15%/12 = 1.25%
Monthly interest: ₦1,000 * 1.25% = ₦12.5
Monthly payment amount: ₦1,000/3 + ₦12.5 = ₦345.83
Total interest: ₦1,000 * (15%/365) * 91 days = ₦37.40
Total amount to be returned: ₦1,000 + ₦37.40 = ₦1.037.4

4. Easy Process
With this loan app, you will enjoy the convenience of getting direct disbursement just from your smartphone without stress. All you need to do is to complete your personal data, and once your application is approved, the funds will be disbursed to your account.

5. Loan Without Collateral
You can apply for a loan anytime, anywhere. Only with a valid Government ID, get unsecured credit up to ₦200,000.

6. Good Quality Service
PearlCash always strives to improve their quality and service, in order to meet customer satisfaction.

7. Safe and Reliable
This loan app protects all user information and they will not post your personal data to third parties without prior consent.

8. Convenient Repayment
You can check your PearlCash app and follow the instructions. In fact, early and ontime repayment may help you qualify for larger loans in the future.

Requirements to get loan from PearlCash

You have to meet the below requirements in other to get a loan from PearlCash loan app

1. Must be a Nigerian resident aged 21-60 years.

2. Must have a valid Government ID.

3. Must Have a source of a monthly income.

4. Must have an Android phone with stable internet connection

5. Must have an active bank account with BVN

How to Apply For PearlCash Loan App

1. Download PearlCash loan app from Google Playstore.

2. Sign up and Register an account.

3. Complete all the necessary information.

4. Choose the amount and period of the loan as needed.

5. Wait for the verification process. If the application is approved, the funds will immediately be disbursed into your account.

PearlCash Customer care Service

If you have any questions or complaints, please contact their customer service details:

Operational Hours: Monday to Friday: 09.00 – 18.00


So far in this article, we’ve seen that PearlCash loan app is a very good option in getting instant loan of up to ₦200,000 to satisfy your personal and business needs. Don’t forget to borrow wisely and read the customer reviews on playstore before downloading the app.

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