FairMoney is one of the most popular digital loan platforms in Nigeria, used by millions of people to access quick loans, savings, and other financial services directly from their mobile phones. If you are searching for information about the FairMoney loan app, its USSD code, how to log in on iPhone (iOS), customer care contact, real user reviews, or how to delete your FairMoney account, this detailed guide is written just for you.
Earlier on we wrote about Providus Bank: USSD Code, App, Customer Care Number, Sort Code, Mobile Banking and Branches and many other things similar to this.
Now, this article explains everything, so anyone can understand how FairMoney works and decide whether it is right for them.
What Is FairMoney?

FairMoney is a digital financial service that helps people handle basic money needs using their mobile phones. Through FairMoney, users can apply for quick personal loans, save money, and pay bills or make transfers without going to a bank. Everything is done online using the FairMoney mobile app, which works on both Android and iPhone (iOS) devices.
The platform is mainly designed for people who may find it difficult to get loans from traditional banks. FairMoney uses technology to review user information and decide who qualifies for a loan. Once a loan is approved, the money is usually sent quickly, making it a convenient option for emergencies or short-term financial needs.
How FairMoney Loan App Works

The FairMoney loan app makes it easy for people to apply for loans directly from their phones without going to a bank or filling out paper forms. Once you install the app, you can register, apply for a loan, and manage your account all in one place. The app is designed to be simple to use, even for first-time users, and it allows you to track your loan status and repayments easily.
Some of the main features of the FairMoney app include a fast loan application process, no need to provide collateral, flexible repayment options, and secure access to your account. Android users can download the app from the Google Play Store, while iPhone users can get it from the Apple App Store. To stay safe, always make sure you are downloading the official FairMoney app to protect your personal and financial information.
FairMoney Loan Requirements
Loan approval and the amount you can borrow are not the same for everyone. FairMoney looks at your profile and how well you repay loans over time to decide your loan limit. If you repay on time, you may be able to access higher loan amounts in the future. While requirements may change over time, FairMoney generally asks for:
- A valid mobile phone number
- A Nigerian bank account
- Personal details for verification
FairMoney USSD Code: Does FairMoney Have One?
Many people look for a FairMoney USSD code because they want to use the service without internet access. USSD codes are common with banks and allow users to carry out transactions using simple phone commands. However, FairMoney works differently from traditional banks.
At the moment, FairMoney mainly operates through its mobile app and does not widely offer a USSD code for loan applications or other services. This means you need an internet connection to use FairMoney, and most activities are done inside the app. If FairMoney decides to introduce a USSD code in the future, it will be shared through its official communication channels.
How to Log in to FairMoney on iPhone (iOS)

If you are an iPhone user, logging in to FairMoney is simple.
Steps to Log in on iPhone
- Download the FairMoney app from the Apple App Store
- Open the app
- Enter the phone number you used during registration
- Verify with the code sent to your phone
- Set up or enter your security PIN
Once logged in, you can access your loan dashboard, repayment details, and other services.
Common Login Issues on iPhone
Some iPhone users may experience problems when trying to log in to the FairMoney app. One common issue is entering the wrong phone number, especially if it is different from the one used during registration. Network problems can also affect login, particularly when the internet connection is weak or unstable.
Another reason for login issues is using an outdated version of the FairMoney app. If the app has not been updated, it may not work properly. Updating the app from the Apple App Store or checking your internet connection usually helps fix these problems.
FairMoney Customer Care
FairMoney customer care is there to help users when they have problems with their accounts or loans. Many people contact customer support when a loan does not show up after approval, when they have trouble making repayments, or when they cannot log in to their account. Customer care can also assist with general account questions and concerns.
You can usually reach FairMoney customer support through the help or support section inside the app or through their website’s online support page, by email, or through their official social media pages. It is important to always use these official channels when seeking help, as this helps protect you from scams and fake customer service agents.
You can contact fairmoney customer support through the below listed ways:
Physical Office Address: 28 Pade Odanye close, off Adeniyi Jones, Ikeja, Lagos, Nigeria (No money in the office, everything is digital)
Email: help@fairmoney.io
Working Hours: Monday – Friday: 9am-5pm
For Call Aupport:
FairMoney:
07000 362 362 / 0201 700 1276
FM Business:
07000 033 333 / 0201 8889008
For Loans:
0201 888 9888
For Savings:
0201 887 5969
Toll-free Number:
0800 000 3333
Is FairMoney Safe and Legit?

FairMoney is a well-known digital loan platform used by many people, but staying safe also depends on how users handle their accounts. Like any online financial service, users need to be careful with their personal and account information to avoid problems.
To stay safe, never share your PIN or verification codes with anyone, and make sure your phone is protected with a strong lock or password. You should also avoid third-party apps or people who claim they can increase your loan limit, as these are often scams. Real and legitimate platforms do not ask for sensitive details through unofficial or private channels.
How to Delete Your FairMoney Account
Many users also search for how to delete a FairMoney account, especially if they no longer wish to use the service.
Things to Know Before Deleting Your Account
- Ensure all outstanding loans are fully repaid
- Clear any pending charges
- Download important records if needed
Steps to Delete a FairMoney Account
- Open the FairMoney app
- Go to the support or help section
- Request account closure
- Follow instructions from customer support
Account deletion may not be instant and often requires confirmation.
Should You Use FairMoney?
FairMoney can be a useful option when you need quick money for short-term needs, especially if getting a loan from a traditional bank is difficult. The app is designed to provide fast access to funds, which can be helpful during emergencies or urgent situations.
However, before using FairMoney, it is important to understand how the interest rates work and carefully read all loan terms. Always make sure you can repay the loan on time, as late payments can lead to extra charges. Using loan apps responsibly helps you stay in control of your finances and avoid unnecessary debt.
Frequently Asked Questions (FAQs)
1. How to Delete FairMoney Account
If you want to delete your FairMoney account, first make sure any outstanding loans are fully repaid. Then, open the app and go to the help or support section. Submit a request to close your account, and follow any instructions provided by customer care. Keep in mind that account deletion may take some time and usually requires confirmation from FairMoney.
2. Is FairMoney Loan Real?
Yes, FairMoney is a real digital loan platform used by thousands of people in Nigeria. It provides instant personal loans through its mobile app. However, it is not a free or charity service, loans come with interest and must be repaid on time. Always read the terms carefully before borrowing.
3. How to Pay Back FairMoney Loan
You can repay your FairMoney loan directly through the app. Open the app, go to your loan dashboard, and select repay loan. Payments can usually be made from your linked Nigerian bank account or other available payment options in the app. Make sure to pay on time to avoid extra fees or affecting your future loan eligibility.
4. Is FairMoney a Registered Company in Nigeria?
Yes, FairMoney is a registered financial technology (fintech) company in Nigeria. It operates legally and is licensed to provide digital financial services like loans and bill payments. Always ensure you use the official app or website to avoid scams.
5. What Is FairMoney?
FairMoney is a digital financial service that allows users to get instant personal loans, save money, and pay bills using their mobile phones. It works mainly through a mobile app available for Android and iPhone (iOS). The platform uses technology to check your eligibility and usually disburses loans quickly, making it convenient for people who may not have easy access to traditional banks.