Xcrosscash Loan App Requirements And How To Apply


Are you looking for instant loan apps in Nigeria without collateral? Xcrosscash loan app is one of them. In a country like Nigeria where financial needs arise unexpectedly, having access to convenient and quick loans can be a lifesaver. Xcrosscash Loan App is a revolutionary platform that simplifies the loan application process, providing users with easy access to funds.

What is Xcrosscash loan?

What is Xcross cash all about? Xcrosscash is a Nigerian loan app that offers short-term loans to individuals who meet their eligibility criteria. To apply for a loan on Xcrosscash, you need to have the app downloaded and installed on your mobile device. The application process is straightforward, and you can complete it in a matter of minutes.

To be eligible for a loan on Xcrosscash, you must be a Nigerian citizen and resident, aged between 20 and 55 years. You also need to have an active bank account and a valid means of identification. Once you meet these requirements, you can launch the Xcrosscash app and follow the instructions to apply for a loan. The loan amount you can access depends on your creditworthiness and the information you provide during the application process.

Xcrosscash loan application eligibility criteria:

Before applying for a loan through the Xcrosscash Loan App, it’s important to understand the basic eligibility requirements. While specific criteria may vary depending on your location and the lender partnered with the app, here are some common requirements:

  • Age: Typically, you must be at least 18 years old to be eligible for a loan through the Xcrosscash Loan App.
  • Residency: You should be a legal resident of the country in which the app operates.
  • Employment: Some lenders may require proof of regular income or employment to assess your ability to repay the loan.
  • Credit History: While Xcrosscash Loan App is known for providing loans to individuals with a limited credit history or low credit scores, some lenders may still consider your creditworthiness.

Documents required

To apply for a loan through the Xcrosscash Loan App, you will generally need to provide certain documents. These may include:


  • Identification: A valid government-issued ID such as a passport, driver’s license, or national ID card.
  • Proof of Address: Documents that verify your residential address, such as utility bills or bank statements.
  • Income Verification: Payslips, bank statements, or any other relevant documents that demonstrate your income.
  • Bank Account Details: You will need to provide your bank account information for loan disbursement and repayment purposes.

Loan Amount and Tenure

The loan amount and tenure on the Xcross loan app depend on the applicant’s creditworthiness and repayment history. The loan amount ranges from ₦10,000 to ₦500,000, and the tenure ranges from 15 days to 6 months.

What is the interest rate for Xcrosscash? The interest rate on the loan varies from 5% to 15% depending on the amount borrowed and the tenure.

Xcrosscash Loan Application Process:

The Xcrosscash Loan App simplifies the loan application process, making it convenient and hassle-free. Follow these general steps to apply for a loan:

  1. Download the App: Start by downloading the Xcrosscash Loan App from the official app store and completing the registration process.
  2. Complete your Profile: Fill in your personal details, including your name, contact information, and any other required information.
  3. Provide Documentation: Upload the necessary documents as mentioned earlier, ensuring they are clear and legible.
  4. Loan Amount and Term: Specify the loan amount you require and the desired repayment term. Carefully consider your repayment capabilities.
  5. Submit the Application: Once you have reviewed and verified all the information, submit your loan application through the Xcrosscash Loan App.
  6. Await Approval: The lender will assess your application, considering factors such as eligibility, creditworthiness, and loan affordability.
  7. Loan Disbursement: If your application is approved, the loan amount will be disbursed directly to your registered bank account.

Frequently asked questions

Is Xcross cash approved by CBN?

Xcross Cash is a private loan company that’s not approved by CBN at the time this post was written, but they offer instant loans without collateral.

Xcross cash WhatsApp number

If you want to get in touch with Xcross Cash on WhatsApp, feel free to contact them on 0905 666 2332.

Where is Xcrosscash located?

Where is xcrosscash located in Lagos? Their head office is located at Number 50c Sauket Street, Ikeja GRA, Ikeja, Lagos, Nigeria.

How do I withdraw money from Xcrosscash?

During the registration and loan request process, you would be asked to provide your account information so that after successful loan approval, you can request for withdrawal and it will be sent directly to your bank account.

Xcrosscash Loan App offers a convenient and user-friendly platform for obtaining loans quickly and easily. By meeting the eligibility criteria, providing the required documentation, and following the application process outlined above, you can access funds when you need them most. Remember to borrow responsibly and ensure that you can comfortably repay the loan within the agreed-upon terms. Empower yourself with the Xcrosscash Loan App and take control of your financial needs with confidence.