How To Qualify For XTRACASH Loans

To qualify for an XTRACASH loan, you need to meet the following criteria:

• Be above the age of 18 years old

• Be an existing Diamond Yello Account customer. (Dial *701# to open a Diamond Yello account now)

• To be a regular user of your wallet and Airtime account

• Have no negative repayment history with XTRACASH

• Have no outstanding loans with XTRACASH. Customers with an existing open loan would not be able to access newer loans.

Xtracash Nigeria Fees

Xtracash Loans charges a fee of 15% on the 30-day loan amount.

How much can you borrow?

Xtracash loan amount varies from one customer to the other depending on their DYA usage and airtime usage. The loan amount you qualify for will be disclosed during the loan application process. 

The loan amounts that are available to you will continue to increase as you pay back each loan on time, every time. 

How to apply?

Application is easy and stress-free with the Xtracash loan USSD code:

- Simply dial *606# 

- Select 4 (XtraCash) and then follow the steps on your screen.

How to repay XtraCash loans?

The loans will be automatically recovered from your Diamond Yellow account on the agreed due date. You can also initiate an early repayment of the loans by selecting the 'repay loan' option from the XTRACASH menu.

There's also an Xtracash loan Quickteller page for making payments, but I'm yet to test it, so I recommend the USSD option.

NOTE: In case of a partial payment, the XTRACASH recovers the fee first then the principal.

What's more?