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Apply for short-term loans and receive funds quickly
Constant Cash
A Nigerian mobile lending app that offers instant personal loans up to ₦500,000 with no collateral, flexible 1–12 month terms, and multiple repayment options.
Constant Cash Product Overview
Is Constant Cash Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian salary earners
- Short-term cash needs
What It Does Well
- Minutes loan approval
- Loans up to ₦500,000
Things to Check
- Approval requirements
- Repayment schedule options
About Constant Cash
Constant Cash is a Nigerian mobile lending app for individuals who need quick, short term personal loans paid into a Nigerian bank account.
Key capabilities include:
- Fast digital loan application with approval in minutes and stated disbursement typically within 10 minutes to 2 hours, depending on bank processing time
- Loan amounts that grow with repayment history, starting at ₦5,000 to ₦50,000 for first time borrowers, with advertised access up to ₦500,000 for eligible repeat customers
- No collateral and no physical paperwork, with registration and verification handled in app
- Flexible repayment terms and channels, with 1 to 12 month durations and repayment via bank transfer, debit card, USSD, or automated repayments
Available on Android and iOS (Google Play Store and Apple App Store).
It targets everyday Nigerians seeking short term credit, including salaried workers and small business owners who need emergency funds or working capital.
In the Nigerian lending market, it positions itself around speed and digital access, and it states it is licensed by the Central Bank of Nigeria. The service also highlights a 4.8/5 app store rating and 100K+ customers. For support, it lists support@constant.com.ng and a Nigeria based phone line.
Constant Cash Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. Learn moreOperates In
Official Links
What it does
As of Sep 21, 2026, Constant Cash is rated 4.2 on Google Play from 138.5K reviews with 500K+ installs.
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Frequently Asked Questions About Constant Cash
Constant Cash is a Nigerian mobile lending app that provides instant short term personal loans to individuals, paid directly into a Nigerian bank account. You download the app, register and verify your details, choose a loan amount and duration, then receive funds to your bank once approved, with repayments made through various channels over 1 to 12 months.
Constant Cash loans are interest bearing, with rates starting from about 10% per month and any fees disclosed in the app before you confirm a loan. You only pay the agreed interest and fees on the amount you borrow for the duration you choose.
Constant Cash operates in Nigeria only. To use the app you must be a Nigerian citizen with a Nigerian bank account.
To sign up for Constant Cash you install the Constant Cash app on your smartphone, register with your phone number and personal details, then complete in app verification (such as ID and income or employment checks). Once your account is verified, you can apply for a loan directly in the app.
Yes, Constant Cash is available on Android.
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