PonyCash

PonyCash is a Nigerian online lending app offering mobile cash loans with flexible terms. Loan amounts range from NGN 10,000 to NGN 100,000 and terms span 91 to 365 days, with APRs from 17% to 29% per year. For example, a 180-day loan of NGN 10,000 at 12% results in a total repayment of NGN 11,200. Eligibility requires Nigerian citizenship, age 18-60, and a regular income (salary or self-employed).

How to apply: download the app from the App Store, sign up with your phone number, fill basic information, and submit your loan application for bank disbursement. This extension page highlights key features, eligibility, and steps to get started so users can apply confidently.