ToULoan is a free Android app developed by nairaclub that provides loans ranging from 5,000 NGN to 500,000 NGN to people in Nigeria who are over 20 and have a stable job. The app offers a simple application process and flexible repayment options ranging from 91 to 365 days.

To get a loan, users need to register, submit their personal data, and apply for a loan. The equivalent monthly interest rates range from 4% to 24%, and the Annual Percentage Rate (APR) is 24% to 56%. For instance, if a user chooses a 6-month loan and borrows ₦100,000 at an interest rate of 4% per month, the interest rate would be 24%, and the APR would be 56%. The user would make repayments of ₦24,000 over 180 days, and the total amount paid would be ₦124,000.

Overall, ToULoan is a useful app for people in Nigeria who need quick loans. If you encounter any problems, you can contact the developer at or visit their office at 7c Regina Omolara St, Opebi, Ikeja, Nigeria.