Top Chance Loan

Top Chance Loan: 7 Things To Know Before Taking A Loan From TopChance

TopChance is one of the fastest growing digital lending platforms in Nigeria that is reliable and convenient for people seeking quick loans to meet their financial needs.

If you’ve good credit score and you’re willing to repay your loan on time, Top Chance is a good option to consider. And guess what? Just a few steps, the loan amount will be disbursed to your account.

Although Top Chance offers collateral free loans, they also have some conditions that a borrower must meet before they can access the loan. Additionally, before opting for a Top Chance loan we strongly recommend that you know their interest rate to check if it is suitable for you.

Is Top Chance Legit?

Top Chance Loan
Top Chance loan app

YES. Top Chance is legit. It is one of the reliable and convenient digital lending platforms in Nigeria. They offer unsecured loans, many Nigerians have taken and are still taking loans from Top Chance.

However, since change is constant, it is best for you to carry out independent due diligence about the platform before opting for their services to know more about their services.

1. Top Chance Loan Requirements

To be eligible for Top Chance loan, applicants are required to meet the following eligibility criteria, they include:

  • The applicant must be resident in Nigeria.
  • Must be between the age bracket of 20 -55 years old.
  • You must have a good credit record.
  • Stable source of income will be an added advantage.

2. Top Chance Loan Amount

The loanable amount that a user can take from Top chance is not fixed since it is totally dependent on your credit score and ability to repay it on time.

Notwithstanding, the Top Chance loanable amount ranges from N5,000 – N50,000. The better your credit score the higher the loan amount you can take and vice versa.

3. Top Chance Loan Term

The Top Chance loan tenure is flexible and friendly. Their repayment plan is designed such that you won’t break banks during the repayment process.

Top Chance repayment plan ranges from 91 – 180 days

4. Top Chance Loan Interest Rate

The Top Chance loan interest rate varies because it is dependent on the loan amount and the loan term. The longer the loan term, the higher the interest rate.

The Annual Percentage Rate(APR) of Top Chance loan ranges from 21- 26%. There’s no hidden interest.

However, the Top Chance loan daily interest rate ranges from 0.06 -0.07%.

5. Top Chance Loan Application Process

The amazing thing about the Top Chance loan application process is that it is simplified, hence it is pretty easy. Literally speaking, anybody who is qualified can easily apply for the loan.

To apply for the Top Chance loan, follow the procedures below:

  • Download the TopChance application from the Apple store or Google Play Store.
  • Register an account to get started.
  • Complete the application form by filling in the required information.
  • If your loan application is approved, the loan amount will be disbursed to your account.

6. Top Chance Loan Review

Our check on review platforms Google Play Store, reveals that users of the Top Chance platform have diverse views when it comes to the review of the platform’s financial services.

Some users extolled the excellent financial services offered by the platform while others expressed displeasure with the interest rate of the Top Chance loan platform noting that it is relatively high.

From Google Play Store, over 100k users have downloaded the TopChance loan app. It also has 4.1 stars rating from over 1,000 reviews which is averagely good for a growing loan app of its nature.

Osho Johnson Oliseh has this to say about the platform: ‘’Well, the app is simple to register but the interest is a bit high, the period is also short’’

According to Yemi Israel: ‘’I had an incredible experience while using the app, I received the loan without delay and their customer service was really attentive with a good customer relationship’’. 

7. Top Chance Customer Care

For question, suggestion, or inquiry you can reach out to Top Chance via the following channels:


Call: +23418885169.

Top Chance Loan Summary

The key facts about Top Chance loan are summarized in the table below:

Loanable amountN5,000 -N50,000
Loan term91 – 180 days
Interest rate21 – 26% APR0.06 – 0.07 daily rate
Age range20 – 55 years
Table 1.1 TopChance loan summary


Top Chance offers an unsecured loan to Nigerians with good credit scores who need instant loans to meet their urgent financial needs.

It is one of the fastest growing online lending companies that offers reliable and convenience lending services. If you encounter any challenge during the loan application process, don’t hesitate to contact their customer care unit for help because they’re always there for you.

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