At EasySpend, we believe financial freedom shouldn’t depend on who you know, what you own, or how loud you can shout to get a loan. It should depend on something much more powerful: your consistency, your engagement, and your trustworthiness.
That’s the simple idea behind the EasySpend Loyalty Loan System a system where your everyday activity on the app doesn’t just build your finances; it builds your eligibility for non-repayable loans.
Yes, non-repayable.
This isn’t a gimmick. It’s not a cashback trap or a temporary promo. It’s a deliberate shift in how we think about credit and who deserves it.
The Problem We're Solving
Access to credit in Nigeria has long been broken. While 64% of adults are now considered financially included, only about 6% have access to formal credit. Traditional banks ask for collateral, loan apps charge 30 to 40% interest per month, and informal borrowing often leads to embarrassment or dead ends.
It’s not just about money. It’s about missed opportunities, tools not bought, businesses not started, dreams paused.
We created the Loyalty Loan System to change that.
How It Works: Loyalty, Not Leverage
Unlike traditional lenders, EasySpend doesn't measure worthiness through pay slips or property. Instead, we look at how you use the app and reward you for staying engaged.
Here’s how your journey unfolds:
Each tier comes with increasing access to non-repayable loans, ranging from ₦20,000 to ₦2,000,000, based on your behavior, not your bank statement.
Designed to Be Fair, Safe, and Sustainable
We're often asked: “How can you afford to give out loans that don’t need to be paid back?”
The answer is simple. EasySpend funds this system from our own revenue. This is not a marketing trick. It’s a commitment to giving back to our users, the same people who grow and strengthen our platform every day.
So while anyone can earn a loyalty loan, only those who engage meaningfully and consistently can unlock its full benefits.
The Impact So Far
Already, the results are clear:
This is what financial inclusion in action looks like.
Meet Chioma: The Power of Showing Up
Chioma is a 26-year-old vendor in Lagos. She sells beauty products online and juggles everything with a basic smartphone and a lot of hustle. When a wholesaler offered her discounted inventory during Ramadan, she needed just ₦40,000 to secure it.
Banks asked for collateral. Loan apps gave her 48 hours to repay with 25% interest. She turned to EasySpend just to try it.
She signed up. Bought data. Paid her DSTV bill. Referred her cousin and a few friends. Seven days later, she got an alert: ₦50,000 Loyalty Loan Reward with no questions and no repayments.
That stock flipped within a week. Her revenue doubled. And her trust in digital finance was fully restored.
Final Thoughts: A System Built on Trust
We’re not here to replace banks. We’re here to rethink what they’ve overlooked. We’re not just giving out money. We’re rewarding trust.
If you’ve ever felt overlooked by the system, judged by what you don’t have, or exhausted by empty promises from loan apps, then maybe it’s time to try something different.
It’s time to get rewarded just for showing up.
Download EasySpend today!
Apple App Store: http://bit.ly/4irj2vh
Google Play Store: https://bit.ly/4iGt9vY
Website: https://easyspend.cc
Blog: https://blog.easyspend.cc
