Floxynice Quick Naira Loan 🇳🇬✅️✅️✅️

[Floxynice]

🔹 Introduction 🔹

Hello Nigerians! I am Floxynice, and I’m here to offer a quick and reliable lending service for Nigerian users who need urgent fiat.

Whether it’s a temporary cash flow issue or an emergency expense, I understand that sometimes you need funds before your next signature campaign payout. That’s why I created this service—to help responsible campaign participants bridge the gap without stress!

🔹 Why You Might Need This Loan 🔹

Borrowing money isn’t always about being broke —sometimes, it’s just about timing and convenience. Here are a few smart reasons you might need a short-term loan:

✅ Delayed Payments – Some campaigns delay payouts; get access to funds instantly.  
✅ Bitcoin Price is Low – You don’t want to sell at a loss, so you take a short-term loan instead.  
✅ Daily Transaction Limit Exceeded – If you’ve maxed out your daily limit and need urgent funds.  
✅ Emergency Expenses – Urgent family or personal issues that can’t wait.  
✅ Unexpected Bills – Maybe you need to settle a pressing bill before payday.  
✅ Business or Trading Opportunity – A quick investment or trade that can give you good returns.  
✅ Out with Friends – You’re having drinks with your guys and suddenly run out of fiat. No worries!  
✅ Quick Grocery Payment – Need to pay for something in your neighborhood but short on cash? Get a quick loan.  

Whatever your reason, you don’t have to wait —I’ve got you covered!

🔹 Loan Repayment Breakdown 🔹

Borrow ₦2,000, repay ₦2,300  
Borrow ₦5,000, repay ₦5,500  
Borrow ₦10,000, repay ₦11,000  
Borrow ₦15,000, repay ₦16,000  
Borrow ₦20,000, repay ₦21,500  
Borrow ₦25,000, repay ₦26,500  
Borrow ₦30,000, repay ₦32,000  
Borrow ₦50,000, repay ₦57,000 (14 days duration)

🔹 How It Works 🔹

🔹 Who Can Borrow? Only users in active signature campaigns.  
🔹 Loan Amount: Up to ₦50,000 per request.  
🔹 Duration: 7 days[ (must be repaid within this period).  
🔹 Grace Period: After 7 days, an additional 7-day grace period will be given before a default flag is raised. During this grace period, a 1% daily interest will apply.  
🔹 Grace Period Eligibility: The 7-day grace period is applicable only to borrowers from ₦10,000 and above.  
🔹 Simple & Fast: No long process—just a quick verification and approval.  

🔹 Special Condition for Non-Campaign Participants 🔹

If you are not in a signature campaign, you may still be eligible if you get a vouch from the following trusted forum members: CryptopreneurBrainboss, Igebotz, KingsDen, Charles-Tim, Adbitco

🔹 How to Apply 🔹

1️⃣ First, reply in this thread with: "Interested in [amount of loan]" before proceeding to PM or Telegram.  
2️⃣ Send me a PM on Bitcointalk or message me on Telegram (@floxynize) with:
   - Your signature campaign name
   - The amount you need  
3️⃣ Get approved in minutes and receive your loan in fiat.  
4️⃣ Repay within 7 days to keep your account in good standing.

🔹 Contact Me 🔹

Bitcointalk PM: Floxynice  
Telegram: @floxynize  

Need urgent funds? No shakes, I gat you covered. Na ur forum babe be this, make we work together. Tankiu!

[Floxynice]

Reserve

[Floxynice]

Reserved

[Abu-Naim]

Wow, this is a very good initiative, a perfect means to help your fellow Nigerian that needs quick loan for emergency purposes before payment in their respective signature campaigns.

I think this will go a long way to limit the rate at which we take loan from the general forum lending section because the rate at which Nigerian take loan there is much.

I am in full support of this, and I hope everyone will be happy to read this thread, it is really good.
Best of luck.

[CryptoHeadlineNews]

This is quite a brilliant initiative offering loans in our Naira fiat currency here for the bitcointalk community, which seems to be the first of it's kind if I'm not mistaken, because we have had members offer loans with Bitcoin and altcoins, but never have we seen anybody who offers loan with fiat currency. As although I doubt if people who always cares about privacy will want to opt into this. But however, I wish you all the best. And I will like to advise you to prioritize forum reputation before issuing loan to any individual who picks interest.

[Floxynice]

I am in full support of this, and I hope everyone will be happy to read this thread, it is really good.
Best of luck.

Thank you very much.
Na my little way to serve the community be this. I believe with the community support, it will go fine.

As although I doubt if people who always cares about privacy will want to opt into this.

This service doesn't invade privacy because everything is done in pm. This is good too because it is account number and bank, no be wetin go link to another, I hope you understand.

But however, I wish you all the best. And I will like to advise you to prioritize forum reputation before issuing loan to any individual who picks interest.

Thanks very much.
Yes, reputation is important and I trust my Nigerian people, if you check well, we no dey default loans for the forum.

[Cryptomultiplier]

Having gone through the context of this post, I must say it is really impressive and it shows the amount of work and dedication put in to make such an idea a working reality.
It's very beneficial to those here, since this is a community of P2P systems and so far so good, this is progress mostly with the emergence of new campaigns.

I am sure this post would be pinned somewhere here for posterity sake and for better newer versions of this idea to surface.

[Cryptoprincess101]

Nice initiative @Floxinice but i have a few questions.
1. How do you intend to deal with loan defaulters because we all know that in every system, there will always be those who will default either intentionally or unintentionally.
2. Since it is a Fiat business, some people won't be comfortable to reveal their banking details even in PM, though reaching you through telegram will be more preferable in that regards. But how do you intend to keep all transactions private because a problem can erupt such as a case when a borrower must have sent the loan amount while you didn't receive the transaction from your end, how will you handle situations like that?
3. The duration of time (7 days), isn't that too small to ask for a repayment of the loan? even though the amount you are lending out is small but there may be weeks when a borrower may not meet up to pay when the loan is due so will you prefer a payment of the interest and extension of the loan amount?

Anyways, i wish you Goodluck in your newly found business and i also hope that you have reached out to some reputable members of the local board before you initiated this, so that in a case of challenges, they can help you out.

[Lida93]

@Floxynice, It's a welcome initiative which I am impressed with as a Nigerian because I observe a lot of our LB users normally takes loans from the general board so this can help mitigate such inflow of loan request over there.

But let look into the inevitable or certain possibilities that may surface along the line and how you intend to sort them out. I was thinking about a situation where a loan taker allege to have paid the loan when he hasn't. How do you intend to bring such case to the forum as bank receipts would be involved stating the users real name. Wouldn't that lead to revealing of LB members real names in an anonymous community.

[GiftedMAN]

@Floxynice, what you have done is highly commendable and I will not just support you but I will also patronize you because sometimes we get stocked while trying to make some p2p transactions and I that kind of situation some of us usually need some assistance such as this but now they you are rendering this kind of service you will definitely be our sure plug. I would also like to know if someone can decide to pay you back the interest for the loan they borrowed and extend their loan for another week would you accept such deal? Will be waiting for your response.

[Su-asa]

Nice initiative @op, but first I think you should consider making this your thread a self moderated thread.

[Floxynice]

Nice initiative @Floxinice but i have a few questions.
1. How do you intend to deal with loan defaulters because we all know that in every system, there will always be those who will default either intentionally or unintentionally.

No one defaults loan unintentionally. If there is loan default, I will alert some DT members in our board and they will leave negative tags to the account.

2. Since it is a Fiat business, some people won't be comfortable to reveal their banking details even in PM, though reaching you through telegram will be more preferable in that regards. But how do you intend to keep all transactions private because a problem can erupt such as a case when a borrower must have sent the loan amount while you didn't receive the transaction from your end, how will you handle situations like that?

Good communication will solve this. I also will provide my WhatsApp number for my frequent customers.

3. The duration of time (7 days), isn't that too small to ask for a repayment of the loan? even though the amount you are lending out is small but there may be weeks when a borrower may not meet up to pay when the loan is due so will you prefer a payment of the interest and extension of the loan amount?

There's room for this, check the rules again

Anyways, i wish you Goodluck in your newly found business and i also hope that you have reached out to some reputable members of the local board before you initiated this, so that in a case of challenges, they can help you out.

Yes please. Thanks

. I was thinking about a situation where a loan taker allege to have paid the loan when he hasn't. How do you intend to bring such case to the forum as bank receipts would be involved stating the users real name. Wouldn't that lead to revealing of LB members real names in an anonymous community.

If someone wishes to remain anonymous, they will not do stupid things as defaulting a loan.

I am sure this post would be pinned somewhere here for posterity sake and for better newer versions of this idea to surface.

The moderator is here, if there is a need to pin this post, I know he will.

I would also like to know if someone can decide to pay you back the interest for the loan they borrowed and extend their loan for another week would you accept such deal? Will be waiting for your response.

Yes, it is in the rule. After the loan duration expires, 1% interest rule applies.

Nice initiative @op, but first I think you should consider making this your thread a self moderated thread.

I thought about it, but it is not good for business. If there is obvious spam, I will report to the moderator.

Thanks all for the welcome.

[BIT-BENDER]

Good one mate, and you are right. I don't think the fact that someone want to borrow money means they are broke. This sort of initiative is a representation about how the Nigerian community has grown on this forum and I am honestly very impressed.
The available loan amount are quite good for a start and to build trust I don't know of you have plans to increase it later but for now it's cool.

[Charles-Tim]

If you are not in a signature campaign, you may still be eligible if you get a vouch from the following trusted forum members: CryptopreneurBrainboss, Igebotz, KingsDen, Charles-Tim, Adbitco

The best vouch for the borrower is to have evidence that he will be able to pay back the loan. I think being in a signature campaign is one of the evidencs that someone may pay back the loan.

Loan Amount: Up to ₦30,000 per request. 

How about having collateral? I think someone having collateral should be able to borrow. I mean if someone have bitcoin, can't the person be able to borrow? It's your service, it is your terms. I am just asking if you think about it.

[Davidvictorson]

Naija nor dey carry las. Abi nor be so we dey tok am.
Anyways, it is a well welcomed initiative. This is a non-collateral loan? Think am twice first o. We nor wan hear say dem shot bird him mama fly.
Also, i think say if them send you PM make dem still put am a thread wey people go see. That one na still kind of evidence say this person collect money. You see at the other guy take dey do him own.
Make everything dey public. Na you go sabi how to take do the name thing for privacy sake. Na my own be this.

[Samlucky O]

Congratulations floxynice for bringing up this nice initiative of quick naira loan. At least it will go a long way to help our local board. Although I know we have one in the general board but at least we need to also have one in our local board too for those who will be interested. But I wan you to know that loan business is also a risky business, when it comes to pay back. We often have more loan defaulters than people who pay back in due time, so in a case like this would you be able to bear the risk? For example given loan to someone who is in campaign and the next minute the campaign ended , how would you be able to recover your money? perhaps the person is waiting to enroll in another campaign before payback. What would you do if the money is not yet ready?

[CryptoGirl_200x]

This one na very good initiative, one wey me I believe say go really help build our Nigerian board to a higher standard, congratulations to you @Floxynice, our people dey make parable say, "person wey them tell say make him continue as he dey do, e mean say wetin him dey do dey good, but person wey them tell say make him stop as him dey do, e mean say wetin him dey do dey bad"..
Me I talk say make you continue as you dey do, carry go with thing wey you don start, na really good stuff.
 👍👍

Naija nor dey carry las. Abi nor be so we dey tok am.
Anyways, it is a well welcomed initiative. This is a non-collateral loan? Think am twice first o. We nor wan hear say dem shot bird him mama fly.
Also, i think say if them send you PM make dem still put am a thread wey people go see. That one na still kind of evidence say this person collect money. You see at the other guy take dey do him own.
Make everything dey public. Na you go sabi how to take do the name thing for privacy sake. Na my own be this.

Wetin you talk make sense, I believe say person fit just post him name and the amount of money he's applying for, when op see and approve the loan here on the thread, then the user can then send his or her account details to op through pm for privacy purposes.

[Floxynice]

Naija nor dey carry las. Abi nor be so we dey tok am.
Anyways, it is a well welcomed initiative. This is a non-collateral loan? Think am twice first o. We nor wan hear say dem shot bird him mama fly.
Also, i think say if them send you PM make dem still put am a thread wey people go see. That one na still kind of evidence say this person collect money. You see at the other guy take dey do him own.
Make everything dey public. Na you go sabi how to take do the name thing for privacy sake. Na my own be this.

For the rules, e dey there. Before we proceed to pm, the person go first write "interested in 20,000" here in this thread or "applying for 10,000" etc. If loan is approved, I will quote it and say that it is approved or rejected.

[Futurexxx]

You don really try to bring a borrowing service come our naija local board and na really welcome development, because most Naija guys no need to go for general board because of such thing again, my only concern here na how person wan take drop evidence of repayment wey the person identify no go cast, because since this loan service na open something, e for dy very good for it to be transparent for all to see say you don disbursed the money to the person, and when the person return am, everyone surpose know through the evidence/receipt of repayment.

One suggestion I for like make is that when disbursing loan to anyone or the person is repaying back, make sure say Ona dy use micro finance bank like opay, palmpay and moniepoint because we know how our traditional banks network are, make money no go hang and e come later be issue between the two parties, na just a suggestion though.

[Cryptohygenic]

A welcomed development Op, this na wetin I don dey tink since say why such loaning ability no fit function for we local board eat be say for outside this bitcointalk platform some of us dey go borrow money.
And we know say e dey more preferred to deal with ur people than foreigners for this kind alignment. Not because for contrary negotiation oh but on the other hand patronizing ur own.
This na we really rise by lifting others be this innovation.

🔹 Special Condition for Non-Campaign Participants 🔹

If you are not in a signature campaign, you may still be eligible if you get a vouch from the following trusted forum members: CryptopreneurBrainboss, Igebotz, KingsDen, Charles-Tim, Adbitco

Op these ur escrows abi na enforcers way u project to take penalize defaulters accounts, I hope you also don get private understanding with them before now? Make e no com be say u just take Dem unaware.
We move ✨✨