As the world becomes more modern and digital, many things have improved, such as the ability to borrow money via mobile apps with no collateral and have the money delivered to your account in seconds.

There are a lot of apps that provide such services on our blog, but we will utilize the finest and most convenient loan applications to make money online free of charge in this current post.

We previously posted an article on the branch app referral program, which is also a loan app that pays up to ₦2000 per referral, but later lowered it to ₦500 per referral and currently ₦300 per referral.

However, I am pleased to inform you that a suitable substitute has been identified, and it is LCredit Loan App. You may now choose whether to utilize this most recent loan app or combine the two applications to optimize your profits.

One of the amazing characteristics of this LCredit app is that you get a bonus for sign up, for take a loan and payback, also for introducing new users to the platform by means of your referral link.

Nevertheless, LCredit reserves the right to make changes to their referral program’s payout and incentive structure at any time, so you should act quickly while it’s still new and paying well. If you procrastinated and missed out on the branch app when it was paying ₦2000 per referral and ₦1500 per referral, here is your opportunity.

What is LCredit Loan App and How Does it Work?

It’s a financial app that lets you borrow money and pay it back later at a moderately high-interest rate. You may borrow money from the app and pay it back in 14 days, 61 days, or 180 days.

LCredit borrow money app

The only difference between LCredit and the branch app is that you will be able to withdraw your bonus straight to your baby account, but with the branch app, you will have to seek a loan and repay with the bonus. You also don’t need any paperwork or collateral to get a loan using the app.

Although there is a lot more documentation that can be done on the LCredit loan app, that is a topic for another day. In this article, our goal is to teach you how to make money without investing a dime. You may use the app to get paid straight to your bank account, and without further ado, I’ll get right to the point of this comprehensive instruction.

What is the Best Way to Make Money with the LCredit App?

There are several options in the app, but the most common way to earn money is by referring people to download, register, and take out a loan through the LCredit loan app. Imagine earning a huge sum of ₦2000 for each person you introduce to the app. If you can recommend just five individuals in a day, you may earn ten thousand Naira without investing or spending anything.

make money without investing with LCredit loan app

Apart from the referral incentive, you will receive a ₦1500 sign-up bonus as soon as you complete your registration on the app and seek a loan. The ₦1500 may be withdrawn straight to your bank account at no additional cost, and you will be paid as soon as you request the withdrawal.

Recommended: How to Make Free Money Through PiggyVest – More Than 20k Per Week

Additionally, every time you recommend others to the app and they register with your link, regardless of whether they seek a loan or not, you will receive a ₦200 coupon voucher, which will be discussed in full before the conclusion of this tutorial.

LCredit Loan App – How Do I Sign Up?

Accepting an invitation to claim your 1500 bonus as indicated in the image above is the first step in registering for LCredit; you must accept an invitation to receive the bonus; follow the guidelines below to get started.

  • To access the reward page, simply click here.
  • You will see two boxes as shown in the image above; in the first box, input your phone number (the phone number associated with your BVN) and click the get verification code button as shown in the image below. lcredit loan app referral reward
  • An OTP will be sent to the phone number you supplied; verify it and input it in the second box.
  • After entering the OTP, click the Get Reward button, which will immediately change to Download App.

Now, go ahead and click the download app option to get the LCredit app and finish your registration.
You’ve already claimed your ₦1500 reward and should have received ₦500 of it; now go to the next step to understand how to collect the entire ₦1500 bonus and withdraw it to your bank account.

make money faster with Lcredit app

How to Get a ₦1500 Bonus that can be withdrawn

There are four cash vouchers; two will be given to you when you receive the invitation via the steps above, and the remaining two, worth ₦400 and ₦600, will be given to you after you follow the instructions below.

  • Launch the LCredit loan app, which you downloaded using the procedures in this guide’s registration section.
  • When you first start the app, you’ll see a box for a phone number; input the phone number you used to accept the invitation in this box.
  • After you enter your phone number into the LCredit loan app, a pop-up window will appear, prompting you to fill in information such as your name, phone number, job status, education level, BVN (don’t worry, your BVN is protected), date of birth, and other pertinent information.
  • If the Pop-up window does not display, simply click the Take a Loan button at the bottom of the program to be directed to the page.
  • After you’ve completed the registration of the details, tie your bank account and bank card to the app. N1 will be debited from your card but will be reimbursed after you’ve applied for a loan.tie bank account and bank card with LCredit Loan App
  • After you’ve linked your bank and credit card, apply for a loan of ₦1500. In most situations, they will inform you that the minimum loan amount you may apply for is ₦3000; if you fall into that group, apply for it, but first, try ₦1500. As a result, do not take out a loan greater than ₦3000.
  • Wait for your account to be credited, and keep in mind that fees will be deducted, and you will be responsible for the entire amount. If you apply for a loan of ₦1500, for example, the LCredit loan app will credit you with ₦1185 or as the case may be, and you will return ₦1500.
  • Once your payback is approved, you will be sent a new ₦1000 cash voucher, which you may use to deposit straight into your bank account.

Also Read: Make Money by Referring your Friend to Open an SC Account – you’ll both Receive N1500 Cash Reward

How to Make ₦2000 Per Referral

This is the primary way for accumulating funds on the LCredit loan app and earning as much money as possible. When someone signs up using your link, the LCredit app will reward you with an astounding sum of ₦2000.

However, before you can receive the ₦2000 cash gift, your referrer must register using your link and have their request approved.

lcredit loan

To earn ₦2000 per referral, launch the app and tap the Invite Now button. Copy your unique invitation link and share it with your friends.

Anyone who registers for the app automatically becomes your referral, and whenever they are able to seek a loan, you will be paid ₦2000, which you may withdraw immediately.

What Should You Do With Your LCredit Coupon?

I indicated previously in this article that you will receive one ₦200 coupon from each referral, but that it cannot be revoked. In this part, I’ll explain how to use the voucher.

The voucher is a bonus offer in addition to the primary ₦2000 Referral bonus, and it can only be used as a discount on any loan you apply for.

When you use the voucher to apply for a loan, ₦200 will be taken from the agreed-upon repayment amount.

To use the voucher, open your LCredit loan app and go to my profile, then vouchers, then immediately use. You will be directly led to where you may acquire the loan.

Final Thoughts

LCredit loan app is a financial platform that offers a comfortable environment for lenders and, more significantly, allows you to make money without investing from the comfort of your own home.

As long as you follow the directions in this guide, you should have no problems using the app.

However, if you have any questions during or after your registration, please leave them in the comments area of this article and you will receive a prompt response.


I'm Funsho, a technology enthusiast who operates as a web designer, developer, and Pro-blogger. I am enthusiastic in sharing unique experiences and ideas on technology and trends.


  • Abdulmkm, July 19, 2021 @ 8:54 pm Reply

    The app is not available in playstore why.

  • Dennisd. Dennis, September 25, 2021 @ 12:12 pm Reply

    IN payinbkjgiin paying back loan,like when one borrows. 5k plus,how would he be expecting to payback

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