Apply for LairaPlus Loan: LairaPlus Loan App Apk Download, customer care Phone and WhatsApp number, Office Address

Do you need some urgent financial assistance for expanding your small business, paying hospital bills, or financing any other personal needs? Getting quick access to financing can help you handle pressing needs without dipping into your savings or selling assets. This is where LairaPlus loans can be useful. LairaPlus Financial Services provides fast, flexible, and convenient loan solutions to individuals and businesses in Nigeria.

In this blog post, we provide a detailed step-by-step application guide for LairaPlus loans. You will learn how to download their app, apply online in minutes, contact customer support if any queries, and locate their office address. So read on to have all the information you need to secure financing from LairaPlus!

Overview of LairaPlus Financial Services

LairaPlus Financial Services is a leading finance company licensed to operate in Nigeria. They utilize innovative digital technology and data science to provide personalized loan solutions that meet diverse customer needs conveniently and quickly.

Some of the key features that make LairaPlus loans useful include:

• Completely online and paperless application process
• Quick application processing and disbursal within 24 hours
• Loan amount from 50,000 to 5 million naira
• Flexible repayment tenors – 3 to 24 months
• No collateral or guarantor required
• Competitive interest rates
• Top-notch data security

LairaPlus offers business loans, personal loans, salary advances, rent advances, school fees financing, festival loans, and more. So whatever your financial needs may be, LairaPlus likely has a loan product that can help you out.

Benefits of Choosing LairaPlus Loans

Here are some major advantages of picking LairaPlus over other financing options:

Fast Application and Disbursal

The entire application process is digital allowing quick loan decisions and disbursal within 24 hours. No lengthy paperwork and manual processes.

Flexible Repayment

You can customize loan repayment duration from 3 months to 24 months as per repayment capability. Convenient installments help manage cash flows better.

No Collateral Required

LairaPlus does not ask for assets, security deposits, or guarantors. Qualifying is based on income streams making access easier.

Higher Approval Odds

LairaPlus leverages technology and analytics to evaluate creditworthiness beyond traditional methods. This allows financing even for new entrepreneurs with limited credit history.

Responsible Lending

LairaPlus encourages responsible borrowing by recommending loan amounts and tenors based on the applicant’s profile. This helps ensure affordable installments.

Top-Notch Security

LairaPlus employs best-in-class data encryption standards for securing applicant information. No compromises when it comes to data privacy.

Premium Support

Friendly and always available customer support via WhatsApp, call email. Experienced agents assist with applications and disbursals.

So why wait when you can get qualified for financing conveniently within a day? Apply for a LairaPlus loan to take care of urgent spending needs without hassles.

Step-by-Step Guide to Apply for LairaPlus Loan

Here is a detailed step-by-step process to apply for and secure a loan from LairaPlus:

Step 1: Download LairaPlus Mobile App

LairaPlus offers a full-featured mobile app available for Android and iOS devices. Download the LairaPlus app from Google Playstore or Apple Appstore. The app enables you to apply, submit documents, and track application status on the go from your phone.

Step 2: Provide Personal and Employment Information

Open the LairaPlus app and click on “Apply for Loan” option. Next, you need to feed in personal details like full name, home address, and phone number. Also submit basic employment details such as company name, designation, monthly salary, industry, etc.

Step 3: Select Loan Product and Customize Settings

Browse through available offerings including business loans, festival advances, salary loans, rent financing, etc., and select a product that aligns with your needs. Next, customize the loan amount and preferred repayment duration. LairaPlus provides loans from 50,000 to 5 million naira with tenors stretching up to 24 months.

Step 4: Upload KYC Documents

LairaPlus will need to verify your identity and employment status before approving financing. Simply snap and upload soft copies of your passport photograph, national ID card, recent payslips, bank statements, etc. through the app.

Step 5: Submit Application

Go through the entire application to ensure the accuracy of the information provided. Accept the terms and conditions and click Submit.

Step 6: Get Instant In-Principle Approval

LairaPlus will run its smart approval checks and credit algorithms as soon as you submit the loan application. Within a few minutes, you will get an in-principle offer specifying the loan amount, interest rate, processing fees, and repayment schedule.

Step 7: Digitally Sign the E-Agreement

If you agree to the loan terms, digitally sign the e-agreement sent to your registered email ID and phone number. Add biometrics for additional security. Completing this legality secures your LairaPlus loan.

Step 8: Loan Amount Disbursal

Once e-agreement signing formalities are done, LairaPlus will instantly transfer the approved loan amount directly to your bank account within 24 hours. Quick, convenient, and hassle-free.

Get Support from LairaPlus Customer Care

Reach out to LairaPlus’ responsive customer support channels if you face any issues during the loan application or disbursal process via:

WhatsApp Support: 08131043240
Call Support: 01-821-5167
Email Support: help@lairaplus.com

Their agent will get back to you quickly to resolve process-related queries. So do not hesitate to use these channels for assistance.

Locate Nearest LairaPlus Financial Services Branch

While LairaPlus loan application is completely digital, you can still visit the nearest branch for special assistance:

LairaPlus Head Office Address:
123, Ikorodu Road,
Palmgrove Estate, Lagos State
Phone: 01-821-5167

LairaPlus Branch Addresses:

– 15 Association Avenue, Obanikoro, Lagos
– 92 Opebi Road, Ikeja, Lagos
– 185 Murtala Mohammed Way, Alagomeji, Yaba, Lagos

So enter the branch location in Google Maps to navigate to the office easily. Visit during working hours for personalized services.

Frequently Asked Questions

How long does it take to get approved for a LairaPlus loan?

LairaPlus prides itself on quick application processing and loan disbursal. You can expect to get in-principle approval or denial within a few minutes of submitting your application. If approved, the loan amount gets directly credited to your bank account within the next 24 hours.

What documents do I need to apply?

You need to upload clear photos of a valid government ID card, passport-size photo, 1-month payslip, and bank statement when applying. These documents help verify your identity and eligibility.

What is the maximum loan amount I can get?

You can qualify for a loan amount between 50,000 to 5 million naira based on your profile, repayment capacity, and purpose of financing. LairaPlus recommends loan amounts and tenors so that installments fit comfortably within repayment ability.

How do I pay my EMI and other charges?

The EMI and one-time processing fee get auto-deducted from the linked bank account through standing instructions. You simply need to maintain adequate balance, no need to initiate manual transfers.

Can I pay off the loan before completion of the tenor?

Yes, LairaPlus allows you the flexibility of early repayment or pre-closure without any penalty charges. Simply login into your account, choose to foreclose and repay the remaining principal to close financing.

Does LairaPlus require collateral or a guarantor?

No. LairaPlus does not ask for assets, deposits, or guarantors when extending loans. Approval depends on income streams and credit factors assessed through alternative data.

Can self-employed individuals apply?

Definitely. LairaPlus offers tailored loan products for self-employed professionals and business owners based on their earnings. Simply upload ITRs or bank statements reflecting 6 months income.

How do I track status of my application?

Download the LairaPlus app and login through registered mobile number. It gives you real-time application status alerts and notifications for seamless tracking.

What if my loan application gets rejected?

If your application gets declined, you will receive an email and SMS specifying the reason e.g incomplete information, insufficient documents etc. Rectify gaps and resubmit the application.

Who do I contact for queries?

Reach out to customer support on 08131043240 (WhatsApp) or helpline 01821-5167. You can also email help@lairaplus.com. Agents work 24*7 to address loan-related queries.

Summing It Up

We have provided an in-depth guide covering LairaPlus loan application process, customer support contacts, office addresses and more. From products, features to step-by-step application instructions – we have got you covered! We hope this helps you secure quick, convenient financing for fulfilling urgent spending needs without hassles. Check eligibility and apply for a LairaPlus loan today.