Name: Palmpay
Rating: 3.3

Ojo Mary

High Flexi Intrest

Palmpay needs to work on the amount of interest they add on flexi pay when it pass due date... The interest they add per day is high. They should review it

Date of experience: Jul 08, 2024

Tijani Olaitan

9 months ago

High loan Intrest

I love Palmpay. Buh their loan rate is very high... They need to work on it and reduce it a little bit...

Date of experience: Jul 11, 2024

Remi Olabisi

9 months ago

Reliable for Quick Loans, but too many notifications.

I’ve been using PalmPay for about 10 months now, mainly for airtime top-ups, transfers, and occasionally taking small loans. The app interface is clean and very user-friendly. I especially like the cashback rewards and zero transfer fees.
However, while the loan process is fast and convenient (approval usually takes just a few minutes), the interest rates can be a bit high if you delay payment. I once paid a few days late and the penalty added up quickly. Their reminders are very aggressive too, I get multiple daily notifications and even calls, even when I'm not owing. Customer service via the in-app chat is okay, although sometimes responses take hours. Despite that, the app is very reliable and hasn’t crashed or glitched during any transaction.

Date of experience: Jun 13, 2025

Alade Anuoluwapo

9 months ago

Palmpay my best loan giver

Getting money for some needs can be challenging at times especially getting towards month end when salary has not enter,so I use palmpay for loan once in a while when am short of funds and I get money disbursement without stress.
I really don't borrow much but they give me money like 5k up to 10k to keep body and soul together.
I haven't default in our agreed time,so I haven't experienced bad side of them but palmpay loan app is cool,I also use palmpay for my transactions,to buy airtime and data without stress and very good network.

Date of experience: Jun 26, 2025

Damilola Agunloye

9 months ago

The loan app should be reviewed

Their loan app is better but with very high interest. This should be looked into. Also, their data app disappoints at times. All these should be looked into

Date of experience: Apr 10, 2024

Adebisi Omokeyan

9 months ago

Palmpay usage experience

I've been using PalmPay for my regular bills payment since 2021. I have not had any reason to reach out to their support until April 15 when I subscribed and was debited twice. I called their customer support and all they could say is that the error was from my end, that I did the transaction twice. I was asked to forward my complain to one of their support email, but no refund of my money or data was made till date.

While that hurt, I'm still using the app because it is free and fast for my daily transaction. They also give interest on all cash in the app cashbox.

I will rate them five stars when next I encounter issue and get it solved.

Date of experience: Apr 15, 2025

🥰VIRTUOUS WOMAN🥰 Guest

9 months ago

Unpleasant.

Palmpay was a good mobile bank until I started borrowing from them. They would call and call with different numbers. There was a time I had to delete the account.