Last updated 25 September 2026.
By using StaySoji, you agree to the following.
StaySoji is an informational tool. Its APR calculation, risk scores, and clause flags are decision support, not a recommendation to borrow or not borrow from any specific lender, and not a substitute for professional financial or legal advice.
The loan-app lookup reflects a curated dataset of publicly documented FCCPC and Google Play delisting actions, current as of when it was compiled. It is not exhaustive — most loan apps in circulation are not in it — and an app not appearing in a search is not a certification of safety. A risk score reflects the regulatory action cited with it, not our editorial opinion of the company.
You must be at least 18 years old to create a StaySoji account, consistent with the minimum age to enter a consumer credit agreement in Nigeria.
Don’t use the terms scanner to fetch pages you don’t have the right to access, attempt to overload or scrape the service, or use any part of StaySoji to build a competing product without permission.
StaySoji is provided as-is, without warranty of any kind. To the fullest extent permitted by law, we are not liable for any decision you make based on a result shown here, including a loan agreement you enter into or decline.
We may update these terms as the product changes. Material changes will be reflected by updating the date at the top of this page.
Questions about these terms go to the contact page.