Many Nigerians now use loan apps when they need quick cash. Maybe you need money for school fees. Maybe your business needs small capital. Or an emergency just came up.
Instead of visiting a bank, many people now apply for loans directly from their phones.
One of the apps people are talking about is the Lendsafe Loan App (also called LendSafe Care).
But many people still ask questions like:
Is Lendsafe loan app legit?
Is it approved by the CBN?
How do you download and use it?
What is the customer care number?
This guide explains everything in simple and clear terms.
If you have any issues with your loan, you can contact Lendsafe customer support through the following means.
Customer Care Email
customerservice@lendsafecare.ng
customerservice@lendsafe.ng
Customer Care Phone Number
+234 813 587 3770
Office Address
Smartloans Integrated Services Ltd
No. 7 New Hospital Road Karu, AMAC
FCT Abuja, Nigeria
You can also use the live chat inside the app for quick support.
Is Lendsafe Loan App Legit?
Yes, the Lendsafe loan app is a registered digital lender in Nigeria. The app is operated by Smartloans Integrated Services Limited.
The company is listed under digital lenders regulated by the:
Federal Competition and Consumer Protection Commission (FCCPC)
This means the company has met the basic regulatory requirements for loan apps in Nigeria and is approved by the FCCPC/CBN.
However, users should still be careful and always:
Borrow only what they can repay
Read the loan terms before accepting
Avoid late repayment
Some users online have complained about strong debt recovery messages when loans are overdue, which is common with many loan apps.
So always repay on time.
Is Lendsafe CBN Approved?
The Central Bank of Nigeria (CBN) usually licenses banks, microfinance banks, and other financial institutions that collect deposits.
Most loan apps are not directly licensed by the CBN. Instead, they operate under the supervision of the FCCPC digital lending framework.
So the key point is:
LendSafe is a registered digital lender.
But it is not a CBN-licensed bank.
This is normal for many fintech loan apps in Nigeria. Since the app is registered and licensed by the Federal Competition and Consumer Protection Commission (FCCPC), we can say LendSafe is an FCCPC/CBN-approved digital lender.
Lendsafe Loan App Review
LendSafe has mixed reviews from users. On the Google Play Store, the app currently holds about a 4.6-star rating and has over 50,000 downloads. This shows that many people are using the platform.
Some users share positive experiences. They say the loan approval is fast and the money is sent quickly after applying. The application process is also simple. You can complete it on your phone within minutes, which is helpful when you need urgent cash.
However, not all reviews are positive.
A number of borrowers complain about aggressive debt collection methods. Some say they received threatening messages or repeated calls when their repayment was late. Others also report extra charges that were not clearly explained at the beginning.
Pros
Fast loan approval
No collateral required
Easy application process
Entire process done on your phone
Cons
Small loan amounts for new users
Interest and fees can add up
Late repayment may lead to aggressive reminders
Final Thoughts
The Lendsafe loan app is one of the many instant loan apps available in Nigeria today. It allows users to borrow ₦2,000 to ₦60,000 directly from their smartphones.
The loan process is quick and simple.
You only need to download the app, register, apply for a loan, and receive funds in your bank account if approved.
The platform is registered under Nigeria’s digital lending regulatory body, the FCCPC, although it is not directly licensed by the CBN.
If you decide to use it, remember one simple rule:
Only borrow what you can comfortably repay.
Used wisely, loan apps like Lendsafe can be helpful during emergencies.
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