Business and Finance

InstantCredit Login With Phone Number, Email, Online Portal, Website

Instant credit is a financial platform that offers users a convenient way to access loans and manage their financial activities. This article explores the login methods provided by Instantcredit, focusing on using phone numbers, email addresses, online portals, and websites.

Instant credit Login with Phone Number

One of the primary and secure methods of accessing your Instant credit account is through your phone number. The process involves a series of steps to ensure the security of your account:

Open The Instantcredit App

Begin by launching the Instantcredit app on your smartphone. If you don’t have the app, download it from your respective app store.

Select The Login Button

Once the app is launched, choose the option to log in with your phone number.

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Input Your Phone Number

Enter the phone number linked to your Instantcredit account. This should be the number used during the registration process.

Verify Your Account

After entering your phone number, a verification code will be sent to you. Input this code in the app to complete the verification process.

Successful Entry

If all details are correct, tap the Submit button to successfully log in.

It’s important to note that using your phone number is the only currently available login method for Instant credit, enhancing security through the verification process.

Instant credit Login with Email Address

Instantcredit does not currently support login using an email address. The platform solely relies on phone numbers for user verification and login. If you remember the phone number associated with your account, accessing your Instant credit account should be straightforward.

Instant credit Login with Online Portal

Unlike some financial platforms that provide online portals for account access, Instant Credit does not have an online portal. The official recommendation is to download and use the Instantcredit app from your app store. This approach minimizes the risk of scams and fraudulent activities.

The app is designed to be a comprehensive solution, allowing users to apply for loans, monitor loan details, and create repayment schedules directly within the mobile application. This eliminates the need for a separate online portal, providing a more secure and streamlined user experience.

Instant credit Login with Website

Instantcredit does not currently offer a login feature through a website. Users can exclusively access Instantcredit services through their mobile application. This decision is likely made to prioritize user security and provide a user-friendly experience directly from their smartphones.

The Instantcredit app, available on both the Google Play Store and Apple App Store, serves as the sole gateway for users to apply for loans, check loan information, and manage their financial activities. The app’s design emphasizes convenience, ensuring users can perform all necessary functions without compromising their information.


How do I access instant loans?

To access an instant loan, you can use various methods provided by your bank, such as dialling specific USSD codes like 90111# or 42611#, using Internet Banking, WhatsApp Banking, Access Mobile App, or QuickBucks App.

What is the code for quick credit?

To access QuickCredit, customers with salary accounts at the bank can dial 7370# to borrow up to 100% of their monthly salary at an interest rate of 18% per annum. The repayment plan offers flexibility for up to 12 months.

How can I get an instant loan in 5 minutes in Nigeria?

Specta, an online lending platform, allows users to get loans of up to 5 million within 5 minutes. It requires no collateral, paperwork, or office visits, making it convenient for addressing urgent personal and business needs.

Can I borrow money from OPay?

Yes, OPay, a digital banking app, provides the option to borrow money through OKash Loan. Users can access funds, pay bills, transfer money, and perform various financial transactions within the app.

What is the code for Xtracash?

To apply for XTRACASH, dial *606# from your handset and choose the XtraCash option. Alternatively, you can access the service by dialing the short code 6064#.

How do you qualify for Quickcredit?

To qualify for QuickCredit, customers must maintain a minimum monthly lodgement of N20,000 or earn a minimum net monthly salary of N10,000. Additionally, they should have no history of dud cheques, satisfactory credit reports, and no unpaid obligations.

Which loan app is suspended in Nigeria?

Several loan apps have been suspended in Nigeria, including Swiftkash, Hen Credit Loan, Cash Door, Joy Cash-Loan Up To 1,000,000, Eaglecash, Luckyloan Personal Loan, Getloan, Easeloan, Naira Naija, Cashlawn, Easynaira, Crediting, Yoyi, Nut Loan, Cashpal, and Nairaeasy Gist Loan, among others. These apps were delisted due to regulatory concerns.

Can a loan app block my BVN?

No loan app in Nigeria has the authority to block your BVN. The Central Bank of Nigeria (CBN) holds the power to impose restrictions on your BVN, typically in cases where loan repayments are not met. If there are issues with repayment, your identity may be reported to the National Credit Bureau, but the loan app itself cannot block your BVN.

How to get loans from Opay?

To get a loan from Opay, you can use the Opay loan USSD code. Dial *955# on your mobile phone and follow the prompts to initiate the loan process. Ensure you have an account with Opay (Okash) before using the USSD code. This method allows you to conduct transactions without requiring internet access.


Instant credit provides a secure and streamlined login experience primarily through the use of phone numbers. The absence of login options via email, online portal, or website is a deliberate choice to enhance security and provide a seamless user experience within the dedicated mobile application. Users are encouraged to download the Instantcredit app from their respective app stores to access loans, manage accounts, and benefit from the platform’s user-friendly interface. As technology evolves, it remains to be seen whether Instantcredit will introduce additional login methods, but for now, the emphasis is on simplicity, security, and accessibility through the mobile app.

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