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Loan Application

How to apply for a loan

To apply for a loan on the Singa app, follow these steps:

  1. Fill in your personal details by photographing your original NIN card and completing other personal information such as your current address.
  2. Provide an emergency contact number of someone who knows you and is willing to be contacted.
  3. Enter your bank account details under your name for loan disbursement.
  4. Return to the app’s homepage and click “Apply now” according to the limit and tenor displayed.
  5. Read the terms and conditions thoroughly, then sign the loan agreement. After signing, click “Submit” and wait for the verification process until your loan is disbursed.

Loan Application Requirements

  • The requirements for applying for a loan on the Singa app are as follows:
  • Original NIN card under the user’s name
  • BVN
  • Working info
  • Emergency contact
  • Bank account under the user’s name

How to get loan approval

The loan verification process on the Singa app uses a system operated by the Singa credit analysis team, which assesses the user's credit score and submitted documents.

Loan Application Processing Time

Users whose loan applications are rejected can reapply 7 days after the rejection date. The reapplication date can be viewed on the Singa app.

Reapplying after rejection

Users whose loan applications are rejected can reapply 7 days after the rejection date. The reapplication date can be viewed on the Singa app.

Product and Services

What's the Loan Limit

The loan limit on the Singa app currently ranges from ₦ 11,000 to ₦ 120,000.

Disbursement Time

The maximum disbursement time for a loan on the Singa app is 2x24 hours from the approval time.

Increasing Loan Limit

Users can maintain or improve their credit score by avoiding late payments on the Singa app or other loan apps, which helps qualify for higher loan limits. Maintain good credibility to enjoy larger limits.

Failed Disbursement

Failed disbursements may occur due to:

  • Errors in the provided bank account details
  • The bank account is registered under another person’s name

Disbursement Exceeding 2x24 Hours

If the app status shows “still awaiting disbursement” after 2×24 hours, contact Singa Customer Service at cs@singa.ng for further verification.

Active Loan but Funds Not Received

If the app status shows the loan is active or disbursed but you haven’t received the funds:

  1. Check your bank transaction history from the application date until 3 days after disbursement.
  2. If the funds are still missing, send a screenshot of your transaction history to cs@singa.ng (include your name, registered phone number, and date of birth for verification).

Account and Security

Changing Bank Account Details

To update or change bank account details on the Singa app:

  1. Log in to the Singa app
  2. Tap “Account”
  3. Tap “My Profile”
  4. Select “Bank Info”
  5. Re-enter the new bank account number
  6. Submit and complete

For security reasons, allow up to 1×24 hours for verification.

Deleting Your Account

To delete your Singa app account:

  1. Tap “Account”
  2. Select “Settings”
  3. Tap “Delete user account”
  4. Confirm the deletion

If you have any outstanding loan orders, you will not be able to delete your account.

Login

Log in with your registered phone number and password / OTP.

App Login

To access or log in to the Singa app account, users are required to enter the phone number that is registered in the Singa app and enter the password that was created when registering the account for the first time.

If you lose access to or encounter issues with the registered phone number, we recommend that you reactivate the number at your service provider’s outlet.

For data security reasons, we do not provide a feature to change the phone number.

Password

When users first register or create an account on the Singa app, they will be asked to enter the phone number they will use for the app. After that, users will receive an OTP code consisting of 4 digits, sent via SMS to the registered phone number. Once the OTP is entered, users will be asked to create a password consisting of a combination of numbers and letters, with 6-12 characters.

Users can change their password by clicking “Forgot password” on the Singa app.

Forgot Password

If users forget their Singa app password, they can click on ‘Forgot password’ located at the bottom right corner below the password field. Then, users can click ‘Send OTP’ to receive the OTP via SMS or a phone call. Users can enter the OTP code received. After entering the OTP code, users will be prompted to create a new password consisting of a combination of numbers and letters, with 6-12 characters.

Another Questions

App Errors

Regarding the error issue in the Singa app, users can follow these steps:

  1. Clear the cache of the Singa app in the app settings on the user’s device or phone.
  2. Update the Singa app to the latest version through Google Play.
  3. Switch devices or mobile phones to another device owned by the user.

If, after following the above steps, the user still experiences the same issue, please send a screenshot of the Singa app issue to the email cs@singa.ng so that the issue can be promptly addressed.

NIN Photo

  • Ensure the ID card is not blurry and the appearance is clear.
  • Make sure the ID card is not damaged, not broken, torn, with faded or missing photos/letters/colors.
  • Ensure that the ID card is personal and not someone else’s or edited.
  • Ensure you are in a room with good lighting and a stable internet connection.
  • Make sure the app version is the latest and compatible with the device being used.
  • Also, ensure that camera permission is granted for the Singa app on your phone by following these steps:
  1. On your device, open the Settings app.
  2. Tap Apps.
  3. Tap the Singa app.
  4. If you can’t find it, tap See all apps, then select the app.
  5. Tap Permissions.

    To change the permission settings, tap the setting, then choose Allow or Don’t Allow.

OTP Code

For the OTP code on the Singa app, it can currently only be sent via SMS, WhatsApp message, or voice call to the registered phone number in the app.
Users are advised not to share the OTP code with anyone to avoid theft or misuse of data by unauthorized individuals.

Other issues

If you haven’t found a relevant question or if it’s outside of the system issues mentioned above, please select a question from the “Customer Service” menu in the Singa app.

Customer Service Hours

Operating hours:

  • Monday–Sunday (08:00–17:00).
  • Contact CS during these hours for assistance.

Customer Service Hours

Ensure you are in a room with good lighting and a stable internet connection.
Make sure the app version is the latest and compatible with the device being used.
Ensure that the ID card is not blurry and the appearance is clear, and that camera permissions have been granted for the Singa app on your phone by following these steps:

  1. On your device, open the Settings app.
  2. Tap Apps.
  3. Tap the Singa app.
  4. If you can’t find it, tap See all apps, then select the app.
  5. Tap Permissions.

To change the permission settings, tap the setting, then choose Allow or Don’t Allow.

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1500066
cs@singa.ng
Kantor Operasional (Foresta Business Loft 3 Unit 7 Tangerang, Banten
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1500066
cs@singa.ng

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Risk Disclosure Statement

  1. Nature of Agreement
    Funding services provided via this platform constitute a private contractual agreement between the Lender and the Borrower. All risks, liabilities, and obligations arising from the agreement are entirely the responsibility of the respective parties involved.

  2. Credit Risk
    The Lender bears full credit risk, including the possibility of default by the Borrower. No governmental authority, including the Central Bank of Nigeria (CBN), guarantees the repayment of any funding or assumes any liability in the event of default.

  3. Data Privacy and Consent
    By using this platform, Users consent to the collection, storage, use, and processing of their personal data by the Operator in accordance with the Nigeria Data Protection Act (NDPA) and other applicable regulations. Users will be informed about the purpose, scope, and mechanism of data utilization prior to granting consent.

  4. User Suitability
    Individuals who lack adequate understanding, financial experience, or risk tolerance concerning lending and borrowing are strongly advised not to use this service. Participation is at the User’s own risk.

  5. Loan Affordability
    Borrowers are urged to carefully assess their ability to repay, taking into account the interest rates and all associated fees before applying for a loan.

  6. Fraudulent Activities
    All fraudulent behavior is logged digitally and may be publicly traceable. The Operator reserves the right to take appropriate legal action, including reporting to law enforcement or regulatory authorities.

  7. Informed Decision-Making
    Users must thoroughly read, understand, and accept the platform’s terms and conditions, as well as this Risk Disclosure Statement, before entering into any funding or borrowing agreement.

  8. Regulatory Compliance
    The Central Bank of Nigeria and other regulatory bodies shall not be held liable for any actions or omissions by Users (either intentional or negligent) that contravene existing laws, regulations, or terms of agreement between Users and the Operator.

  9. Transaction Channels
    All funding and loan disbursements must be executed via licensed Nigerian financial institutions, in accordance with CBN regulations on funds transfer, anti-money laundering (AML), and know-your-customer (KYC) obligations.

    About the Company
    ABADI TECHNOLOGY LTD is a legally registered entity in Nigeria, operating in compliance with applicable Nigerian corporate and financial services laws. The Company is duly registered with and operates under the supervision of the Central Bank of Nigeria (CBN).
    The Company functions solely as a technological intermediary, facilitating connections between lenders and borrowers. It does not engage in lending activities itself, nor does it provide financial advice or investment recommendations.
    All services provided through the platform are administrative in nature, and any funds transferred through the platform are not considered deposits as defined under the Nigeria Deposit Insurance Corporation (NDIC) or other applicable banking laws.

    Disclaimer:
    All information presented on the platform or website, including any promotional or informational materials, does not constitute an offer, solicitation, or recommendation to invest in securities or financial instruments. Users act on their own judgment and are responsible for complying with all applicable laws and regulations.

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