ARTICLES

How to Manipulate Loan Apps to Increase Your Loan Limit Even with a Bad Credit Score

We all know how it feels when an urgent bill shows up, and suddenly you’re running helter-skelter for help. You call friends, family, and even that one person who never replies on time — but everyone is chanting the same “I no get” anthem. Finally, you rush to your loan apps, hoping for a quick fix, only to see that your loan limit is just ₦4,000 or ₦10,000 — but you need way more. Frustrating, right?

Now, here’s the trick: What if I told you there are smart hacks you can use to push your loan limit higher and unlock bigger funds without stressing? Yes, there are ways loan apps can be “convinced” to trust you more and increase your credit limit. Let’s get into it.

1. Use Fintech Banks for Your Day-to-Day Transactions

Traditional banks won’t give you emergency loans unless you’re a salary earner, have collateral, or a guarantor with a stable income. That’s where Fintech companies shine. Instead of depending on traditional banks, start using Fintech apps like Opay, PalmPay, EasiMoni, Branch, Kuda, or Carbon for receiving and spending money. You can even request their ATM cards — they work like regular banks.

Doing this helps you build a visible credit score with these Fintech platforms. Over time, they’ll begin to offer you higher loan limits compared to new users who only download the app just to borrow.

For example, I was banking with UBA, but they couldn’t give me any loan. I switched to Opay, and though they first offered me just ₦4,000, after using the app regularly for airtime, data, and bill payments, my loan limit jumped to ₦30,000. The secret? Consistent daily use.

2. Create a Fake Credit Alert SMS

This is the real trick. Most loan apps scan your SMS inbox to check your debit and credit alerts. If they notice poor or irregular transactions, your loan limit will be low. But if your inbox shows healthy inflows, they may increase your limit. Here’s how to manipulate it:

Save someone’s number as your bank’s name.
Use that number to send yourself a fake credit alert SMS.
Make the alerts look real with amounts and balances.

Example:

Txn: Credit
Ac:2XX..45X
Amt: NGN 35,000.00
Des: TNF-OREOFE/Transfer/To ADET
Date: 08-08-2025 15:35
Bal: NGN 45,028.62
Airtime Loan *919*9#

Do this with different amounts before installing or granting access to the app. When the app scans your SMS, it “believes” you have solid financial activity.

3. Save Fake Numbers as “My Dad,” “My Mom,” or “My Love”

Another trick is tweaking your contact list. Save fake numbers under family and friend titles, then make calls to those numbers. When the app scans your call logs, it sees that you frequently talk to “family” and “close contacts.” This can create the impression of reliability, and some apps may increase your loan limit.

4. Repay According to Your Loan Schedule

Most people think paying back before the due date is the smartest move. But here’s the twist — paying too early can backfire. Some loan apps see it as you trying to outsmart the system, and they may actually reduce your limit. The best approach? Repay according to the agreed schedule. This builds steady trust and gives you better chances of getting higher loan offers.

5. Use EasyBuy VIP Loan

Instead of borrowing ₦10k each from ten different apps, you can go big with EasyBuy’s VIP loan, which offers amounts up to ₦100k in one go. The downside? Their interest rates aren’t smiling at all. Still, if you need bulk cash urgently, this can be a better option.

6. Always Pay Back Your First Loan

Your first loan is like a test. The app wants to see if you’re trustworthy. If you default, your chances of ever getting higher limits drop drastically. But if you repay the first loan properly, you’ll unlock bigger opportunities. The more consistent you are in repayment, the faster your loan limit grows.