Nigerians Share Their Funniest Loan App Stories — And They’re Hilarious

Money might be serious business, but trust Nigerians to always find humor even in the most stressful situations.

Loan apps have become lifesavers for quick cash, but they’ve also given us some of the funniest stories you’ll ever hear.

From dramatic messages to embarrassing phone calls, Nigerians are sharing their experiences — and you’ll be laughing before the end.

1. “Good morning ma, pay us” 

For 29-year-old Chioma from Enugu, the funniest part of using a loan app wasn’t borrowing, it was the daily greetings.

“Before my boyfriend even says good morning, the loan app has already texted me: ‘Good morning Chioma, kindly repay your outstanding balance today.’ Honestly, they greet me more than my own family.”

2. When they call your whole contact list 

Segun, 35, from Lagos, still can’t forget when his loan app took things too far.

“They didn’t just call me o. They called my boss at work. My oga called me into his office like: ‘Segun, are we owing them together?’ I nearly fainted. From that day, I paid sharp sharp.”

3. The Nollywood threats 

For Blessing, 27, from Abuja, one message she got sounded like a movie script.

“They told me: ‘If you don’t pay by 12 noon, police will storm your house.’ I was shaking at first, but by 5pm nobody came. Later at night, they texted again: ‘Your time is running out.’ I just burst out laughing. Very unserious people.”

4. “They can’t shame the shameless” 

Tunde, 31, from Ibadan, said he was too broke to be intimidated.

“They sent me one long message about public embarrassment. I just replied: ‘You can’t shame the shameless.’ What will they collect from me when I don’t even have fuel in my gen?”

5. The wild excuses Nigerians give 

Sometimes it’s not the apps that are funny, but the borrowers themselves.

Amaka, 24, from Port Harcourt, admitted she once told a loan officer:

“My village people have tied my account, I’ll pay when they release it.”

Meanwhile, Emeka, 33, from Onitsha, swore to a loan agent:

“I can only pay when Arsenal wins a trophy.”

Needless to say, he’s still owing.

Conclusion

Loan apps may cause plenty of stress, but Nigerians always find a way to turn it into pure comedy. From dramatic threats to wild excuses, these stories prove that no matter the struggle, humor never leaves our DNA.

But let’s be real: while the jokes are funny, borrowing responsibly is key. You don’t want to end up trending online as the latest loan app gist!