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Home Make Money Online Lcredit Loan App – Get N1000 Bonus And Earn N4000 Per Referral

Lcredit Loan App – Get N1000 Bonus And Earn N4000 Per Referral

credit loan app

Here is another complete detailed step by step guide on how to make money online via lcredit loan app, which happens to be one of the last ways to make money online for free and in this detailed guide, I will be showing you in detailed step by step, how to get N3000 registration bonus and also earn N4000 per referral on lcredit loan.

We have released branch app referral program in the past, which is also a loan app that pays up to N2000 per Referral but gradually reduced it till it gets to 500 per referral and now N300 per referral. But I am glad to inform you that a replacement has been found and it’s lcredit. You can now decide whether to shift to this latest loan app or better still make use of the two apps to maximize your earnings.

However, lcredit also reserve the right to make modifications to their payment and Incentive attached to their referral program and you should act fast now that it’s fresh and paying high. If you missed branch app when it’s paying N2000 per referral and N1500 per referral due to procrastination, here is another chance.

Also Read: Newcredit Loan App In Nigeria

What Is Lcredit Loan App?

As it’s name implies, it’s a financial app that allows you to borrow money and payback later with moderately high interest, you can borrow money from the app and pay back in 14 days, 61 days and 180 days respectively.

Lcredit works the same way with branch app and the only difference here is that you will be able to withdraw your bonus directly to your baby account unlike that of branch that you will have to request for loan and repay with bonus. Also, you don’t need any documents or collateral to be approved for loan on the app.

There are lots of documentation that can be made on lcredit loan app but that should be another day discussion, about in this article, our aim is to show you how to make free money from. The app and get paid directly to your bank account and without further Ado, I will like to dive into the main purpose of this detailed guide.

How To Make Money On Lcredit App

There are lots of offers on the app and the main way to make money on this app is by referring others to download, register and take a loan from the lcredit loan app. Imagine getting a whopping sum of 2000 naira for every individuals you referred to the app. If you managed to refer just 5 people, that’s a whopping sum of twenty thousand naira without investment or spending a dime.

Apart from Referral bonus, you will get a sign up bonus of 1000 immediately you complete your registration on the app and request for a loan, the N1000 can be withdrawn directly to your bank account at no extra cost and you will get paid immediately you request for the withdrawal.

Additionally, you will get 200 coupon voucher whenever you refer people to the app and they register with your link, whether they request for a loan or not, you will get the voucher a d how to use the voucher will be explained to you in details before the end of this guide.

lcredit registration
Claim 1500 Bonus

Lcredit Registration – How To Sign Up

Registration to lcredit begins by accepting invitation to claim your N1000 bonus as shown in the picture above and you must accept an invitation to get the bonus, follow the instructions below to get started.

  • Simply click here to go to the bonus page.
  • You will see two boxes as shown the picture above, enter your phone number(the phone number attached to your BVN) in the first box and click on the get code button as shown in the picture above.
  • An OTP will be sent to your provided phone number, check the Otp and enter the number into the second box.
  • Once you enter the OTP, click on the get reward button and the button will change to download app immediately.
  • Now, click on download app button to download lcredit app and continue with your registration.
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At this point, you have claimed your N1000 reward and you should have get 100 out of the N1000 already, now proceed to the next section to see how to get the complete N1000 bonus and withdraw it to your bank account.

Lcredit Registration bonus

How To Get Withdrawable N1000 Bonus

As you can see that the picture above consists of 4 cash vouchers, you will get two when you receive invitation via the steps above and the last two which are N1400 and N800 can be received after following the instructions below.

1. Open the lcredit loan app that you download via the instructions provided in the registration section of this guide.

2. Once you open the app, you will see a box provided for phone number, enter the phone number your used to accept the invitation.

3. Once you enter your phone number on the lcredit loan app, you will see a pop up that will take you to where to fill in your details like name, phone number, employment status, education level, BVN (Don’t worry, your BVN is safe), date of birth and others.

4. If the Pop up didn’t appear, just click on take a loan button at the bottom of the app and you will be taken to the page.

5. Fill in your information properly bad accurately, once you’re done with the the details registration, bind your bank account and bank card to the app, N1 will be deducted from your card but will be returned after applying for a loan.

6. Once you bind the bank and card, request for a loan of 1500. In most cases, they will tell you that 3000 is the minimum amount of loan you can apply for, if you fall in that category, apply for it but try N1500 first. Hence, do not take a loan higher than N3000.

7. Wait for your account to be credited and note that charges will be deducted and you will have to repay full amount. For example, if you request for a loan of N1500, lcredit loan app will credit you with N1185 or as the case may be and you will repay N1500.

8. Once your repayment is successful, you will receive the fresh N1000 cash voucher and you can now withdraw it directly to your bank account.

lcredit Registration bonus withdrawal

How To Withdraw The N1000 Bonus

Once you have repaid your loan successfully, open your lcredit loan app and click on the my profile button at the bottom right corner of the app. Check for cash vouchers on the next screen and click on it.

You will see N1000 that can be withdrawn, click on to withdraw at the top right corner of the app and you will be redirected to the final withdrawal page as shown above, click on the withdrawal button and you will received the alert immediately.

This implies that no matter the amount of charges deducted from the loan you take, the bonus withdrawal will cover it and still leave extra money for you. Take note that you must not request for a loan that is greater than 3000/6000 so as to have enough bonus after repayment.

Lcredit Referral bonus
Referral Bonus

How To Earn N4000 Per Referral

This is the main method you can use to accumulate money on the lcredit loan app and make as much money as you can. The lcredit app will reward you with a whopping sum of N2000 whenever anyone sign up with your link.

However, your referral must register with your link and request was loan successfully before you can receive the N4000 cash voucher.

To Refer others to lcredit and earn N4000 per referral, open the app and click on invite friends button, copy your special invitation link and share with friends. Anyone that register with the app will become your referral automatically and Once they are able to request for a loan, you will earn 4000 naira that can be withdrawn immediately.

Lcredit N200 coupon
Lcredit Coupon

What To Do With Lcredit Coupon

In the earlier part of this guide, I mentioned one N200 voucher which I said you will get per Referral but cannot be withdrawn. I will explain what to do with the voucher in this section.

The voucher is additional offer outside the main 2000 Referral bonus and can only be used as discount on all loan you request for.

When you use the voucher to request for a loan, it means that N200 will be deducted from the supposed payback amount. To use the voucher, open your lcredit loan app and click on my profile, click on voucher and click on the use immediately button, you will be redirected to where to take loan automatically.

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Register on lcredit now and accumulate free cash

Lcredit Withdrawal Steps With Payment Proof

While preparing this detailed guide, I have personally test the app and have accumulate a whopping sum of 28500 naira so far and in this section, I will use my 8000 balance to illustrate the withdrawal process.

Referral Bonus Balance

The picture above shows my earnings total balance the the balance that can be withdrawn. The total balance is the total amount I have earned since I start referring people to the lcredit loan app, while the cash to be withdrawn is amount left that I haven’t withdraw.

To get to this page on your lcredit app, all you have to do is to open your lcredit loan app and click on the my profile button at the bottom right corner of the app. Select cash coupon and you will be redirected to the page. On getting to the page, click on the to withdraw button and you will be redirected to the page shown in the picture below.

Lcredit Referral Bonus Balance Withdrawal

The picture above shows the final withdrawal page and Once you get to this page, all you have to do is to click on the withdrawal button. The money will be sent to your bank account immediately. Now that I have gotten to this page, on have clicked on the withdrawal button and below is the instant alert that I received.

Lcredit payment proof

Above shows the credit alert for the withdrawal I initiate just now and that of the ones I withdraw yesterday and with the screenshot above, lcredit loan app is paying smoothly and without investment or registration fee.

Lcredit Loan App Download

You can download the lcredit app in just few clicks has it has been instructed in the previous part of this guide. To download the lcredit loan app, all you have to do is to:

  • Click here to go to the app download page.
  • Enter your phone number in the provided box.
  • Make sure that the number you provide is registered with your BVN.
  • Click on the get code button below the box that contains your phone number and an OTP will be sent to the provided phone number.
  • Enter the OTP and click on get reward button, the final download button will appear.
  • Click on it and the app will be downloaded immediately.
  • Install, open it and login with the phone number you provide above.

That’s simply the best way bro download the app. But wait! Did you have issues downloading the app with the steps above? If yes, kindly follow the instructions below to download lcredit loan app using another method.

Lcredit Loan App APK Download

The direct link to download the lcredit loan app APK will be provided in this section. A lot of people have complained about their inability to download the app from play store and as a result of that, I have decided to provide the APK file of the app, so that you can be able to install it if the other methods didn’t work for you.

App Name                              Lcredit Loan App

Size                                        11MB

Version                                  Latest Version

          Download Lcredit App APK HERE

How To Install Lcredit App APK

To Install the APK version of the lcredit loan app, simply download the APK file above. After which you have download the APK file, go to the to lcredit reward page and claim your reward.

After which you have claim your reward with the phone number attached to your BVN, now install the APK file, open it and login with the phone number you used to claim the reward.

How To Repay Lcredit Loan

Once you apply for a loan on lcredit app and your loan application is approved, you will be provided with the detailed breakdown of your loan, the pay back amount and the due date.

To Repay your loan on lcredit app, simply login to the app and go to your loan menu, you can also find it at the app homepage. Click von the repay button and you will be taken to the Repayment page where the available payment methods will be displayed to you.

Choose your preferred payment method and follow the prompts to complete the repayment. It will be updated on the app immediately.

However, as at the moment Updating this guide, there is an issue with the app and it’s users are unable to have access to the app, in this case, you have to exercise patience till the app is back online before making any transaction or else you have means of getting in touch with them offline, before the app goes on its sudden maintenance.

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Lcredit FAQS – Frequently Asked Questions

With our preview on the people experience on the lcredit loan app, we have extract some commonly asked questions and have prepared appropriate response for you and if you have any issue on the app, make sure to check this section first and if the response to your question can’t be found here, you can use the comments box.

When Can I Get My Sign Up Bonus Of 3000?

As it has been stated in the earlier part of this guide, you will receive the bonus immediately you request for a loan successfully and you will be able to withdraw it immediately you repay the loan. The withdrawal attract no charges. You will get the full 1500 you requested for.

When Can I Receive My Referral Bonus Of 4000?

You will get the N2000 cash coupon from lcredit loan app immediately your referral request for a loan successfully and you will be able to withdraw the money and get paid to your bank account immediately.

My Profile Has Not Been Approved And Am Unable To Take A Loan?

This happens to be an issue that most people so face on the app and hence, the criteria required for your account to be approved is only known to lcredit and the only advice we can give you is to Make sure to follow the instructions in this guide carefully and most importantly, use accurate details for your registration.

How Long Will It Take For Lcredit To Approve My Profile?

There is no specific duration for Profile approval on lcredit, some people get approved immediately after their registration and have the opportunity to take Loan immediately, some will be approved after some hours, some will be approved after some days while it might take weeks in some cases.

Lcredit Did Not Approve My Account

My attention had been drawn to the fact that lcredit refused to approve some people that register on the app and as a result of this, they are unable to get loan and this is preventing them from getting the aforementioned sign up bonus. This fact has prompt some individuals to ask me some questions like why lcredit didn’t approve my application? Honestly, the reason why you’re unable to get a loan from lcredit is best known to them. However, we have gathered some possible reasons why lcredit will denial you the access to a loan and what to do to get the best results.

How To Get My Lcredit Account Approved

There are lots of reasons why your loan request might be refused and we have picked the two major reasons that will determine whether your account will be approved immediately or not and the first reason is the level of your transaction while the second reason I’d how you fill your employment details during the registration.

To Get Ride Of The Inability To Take A Loan From Lcredit

  • Make sure you used and active bank account during the registration. This implies that the bank you will use should have recent credit and debit transaction. The account should be used to send and receive money at recent.
  • Avoid choosing student as employment status. During your registration on lcredit, you will be asked for your employment status while filling the form, do not choose student and make sure to choose between 50,000 to 100,000 for your monthly income.
  • Use correct and accurate details during registration.

Latest Update – Lcredit Loan App Is Back Online!!!

I have gotten a lot of questions from people concerning the operational status of lcredit app and today, I have decided to update this guide to address the happenings on lcredit login and l credit app not available on playstore.

First of all, you should know that you have nothing to worry about as the issue is from l credit itself and which ever delay you encounter due to the fact that the app is not opening, you cannot be blamed for it.

As contained in the l credit Update notification terms, the platform is currently on an upgrade In order to improve it’s quality of service.

During the maintenance period, registration, login, borrowing, and payment through the app will be interrupted. And the app told it’s Users to be rest assured that the late fees incurred during this maintenance period will be reduced.

Be patience and wait for the app to be back before trying to Repay your loan again.

Note that we are not in anyway associated with the company and we are not their customer care representative or anything related. For further enquires, contact lcredit on Instagram.

Good News: The app is back online now and you can continue with your transactions

how Many People Can I Refer To Lcredit?

There is no limit to the amount of people you can refer lcredit app and their via no maximum of money you can make, you can refer and earn as much as you can.

Conclusion: Lcredit loan app is a financial application that provide a friendly atmosphere for lenders and most importantly, give you the opportunity to make money at the comfort of your room without investment. So far you follow the instructions provided in this guide, you should have no issue with the use of the app.

However, if you have any question during or after your registration, feel free to drop it in the comments section of this guide and you will get the appropriate response as soon as possible.



  1. I just registered few mins ago and I have not been given any credit limits. Why? Besides I did not see the page to bind my bank card and account details.

  2. I just signed up got #200 and #300 coupons, now I just hit the get withdrawal limit, without binding my bank and card. Went back to fix that, but I was still denied! Can I still go ahead to refer others?

  3. Please I want to repay since yesterday but I can’t see the app again in the play store again please how can I repay the money today

  4. I have the same problem I want to repay but I can’t
    And I can’t find the app on playstore
    I don’t want them to block my account

    • The only problem you’re having is that you didn’t read the guide carefully, the APK version of the app has been provided in the guide already, kindly download and install it.

  5. My loan will be due for payment soon. The app isn’t opening, been trying to get numbers and emails to contact so I know the date. Lcredit app has refused to open. Please

  6. I haven’t been able to login to the app for almost three days. And I need to clear my loan today. Is there anyway I can do that even if I don’t log into the app?

  7. There is an issue here, I want to repay my loan but apps isn’t responding. I have deleted it, then try installing it again but, the respond I get is google has remove the as pps

    • Check back later

      There is no specific duration for their approval.

      Some are instantly,

      some will take some munits,

      Some will take day’s,

      While some will take weeks.

      Just they check back

  8. I have successfully login the app and I have added all my details to request for the loan but they said I haven’t been approved please advise

    • Kindly check back later‼️⚠️‼️

      Lcredit reserve the right to approve or disapprove your account, all you have to do is to keep checking back.

      However, you can start to refer and earn 4000 per referral.

    • Kindly check back later‼️⚠️‼️

      Lcredit reserve the right to approve or disapprove your account, all you have to do is to keep checking back.

      However, you can start to refer and earn 4000 per referral.

  9. My loan wasn’t approved for reasons best known to them. Can I still refer people and will I get the referral bonus of 4000 if my referrals successfully get approved for a loan?

  10. Pls if a referral use different number for the first registration and use his BVN on his app is the bonus going to count for me?

  11. Please is it compulsory for me to put my BVN before I can register anybody to get my 4000k registration bonus? Because I don’t need a loan yet.

    And really want to know because I don’t disclosure my BVN to Apps just like that. 🙄


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