Business and Finance

How to Close, Delete or Deactivate your NiceNaira Account Easily

NiceNaira, a prominent loan app designed to fulfill financial needs, provides a convenient platform for users to access quick and hassle-free loans. However, circumstances may arise where individuals find it necessary to close, delete, or deactivate their NiceNaira accounts. This comprehensive guide will walk you through the steps to accomplish this process smoothly.

How to Close, Delete or Deactivate your NiceNaira Account Easily

  • Before initiating the closure of your NiceNaira account, it is imperative to ensure that you have fully repaid the outstanding balance on your loan. Take the time to review your loan account details, confirming that all payments, including interest and fees, have been made. NiceNaira typically requires borrowers to settle their dues before processing an account closure.
  • To begin the account closure process, reach out to NiceNaira’s customer support team through their official communication channels. You can contact them via phone, email, or by visiting their website or mobile app. Clearly express your intention to close your loan account and seek guidance on the specific closure process they follow. Customer support will provide crucial information on the next steps.
  • During your communication with the customer support representative, be prepared to furnish specific information required to initiate the account closure process. This may include your account details, loan identification number, personal identification details, and any other relevant information requested. Ensuring accuracy in providing these details is essential for a smooth closure process.
  • NiceNaira will furnish you with detailed instructions on how to proceed with closing your loan account. Depending on their policies, they may ask you to submit a written request, fill out an account closure form, or complete specific actions through their online platform or mobile app. It’s crucial to carefully follow their instructions and promptly provide any requested documentation.
  • After submitting the necessary information and following the account closure instructions, confirm with NiceNaira that your loan account has been successfully closed. Attempt to log in using your account credentials. If your account has been deleted successfully, you should no longer be able to access it. This step ensures the closure process is complete and your account is inaccessible.
  • Once your NiceNaira loan account is closed, it is advisable to keep a vigilant eye on your bank statements or online banking platform. Regularly review your transactions to ensure that no unexpected deductions or loan-related activities occur. If you notice any unusual activity, promptly contact NiceNaira customer support to address the matter.

Reasons Why Some Close Their NiceNaira Account

  • Users may opt to close their NiceNaira accounts if they have fully paid for their loans and believe there is no need to maintain an existing account. Some individuals prefer opening a new account when they need loans in the future rather than keeping an idle account.
  • Individuals who rarely use their NiceNaira accounts might choose to close them to declutter their financial portfolio. This decision may stem from the belief that it’s more practical to open a new account when the need for a loan arises.
  • Unfortunately, some individuals may attempt to avoid paying their debts by closing their NiceNaira accounts. This fraudulent activity is a serious offense and can lead to legal consequences. It is crucial for users to fulfill their financial obligations responsibly.


How to Delete a Contact from Your Loan App

To remove a contact from your loan app, first, check the permissions settings on your device. Navigate to “Apps & notifications” in your device settings, select the loan app, and then access the “Permissions” section. Ensure that the app does not have access to your contacts, and if it does, disable the permission. This will prevent the loan app from accessing and using your contact information.

Can a Loan App Block My BVN

No, loan apps cannot block your BVN. However, if you fail to repay a loan, your identity may be reported to the National Credit Bureau, labeling you as a high-risk borrower. This may affect your ability to secure loans from other platforms in the future.

How to Stop Online Lending Harassment

If facing online lending harassment, consider filing a legal case against the company for harassment or privacy violations. Compile evidence, such as text messages and call records, and gather witness statements. A well-documented case can be presented to legal authorities to address the harassment issue.

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Can a Loan App Access My Contacts if Uninstalled

To prevent a loan app from accessing your contacts after uninstallation, go to your Android phone settings. Click on “App & notifications,” scroll down to “App permissions,” and deny access to contacts, SMS, photo gallery, and storage. By doing so, the uninstalled app won’t be able to reach out to your contacts, ensuring your privacy is maintained.

What happens if I don’t pay my loan in Nigeria?

If you fail to repay your loan in Nigeria, you can be taken to court for the outstanding amount, potentially incurring additional legal fees. Defaulting may lead to severe consequences, including being blacklisted by other lending companies. This blacklist status can hinder your ability to secure loans from other financial institutions in the future.

What happens if loan is not paid in Nigeria?

Failure to repay a loan on the due date in Nigeria results in late fees, and lending partners may initiate recovery processes. Skipping repayment can lead to blacklisting, making it challenging to obtain loans in the future, as your creditworthiness is compromised.

Can a loan app lock my phone?

Some predatory digital lenders have been known to lock the devices of defaulting debtors. Users, during sign-ups, grant access that enables these lenders to take such actions, including device locking, as a measure to pressure and coerce users into repaying outstanding loans.

Can I block my BVN and get a new one online?

No, it is not possible to block your BVN or get a new one online. Once enrolled in the Biometric Verification Number (BVN) system introduced by the Central Bank of Nigeria, deactivation is not an option. The BVN is designed to enhance security and reduce fraud, and the biometric data linked to it is a permanent identification measure. Therefore, individuals cannot block, deactivate, or obtain a new BVN online.


Closing, deleting, or deactivating your NiceNaira loan account is a straightforward process that involves clear communication with the customer support team, ensuring the settlement of outstanding balances, and following the provided instructions diligently. By understanding the steps and reasons behind account closures, users can make informed decisions about managing their financial accounts effectively.

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