FCCPC approved
Happyloan
This lender has full approval from the FCCPC to offer digital loans in Nigeria.
- Company
- Castillo Credit Limited
- Listed by FCCPC as
- HAPPYLOAN APP, HAPPYCREDIT APP, INSTANTLOAN APP, FIRSTLOAN APP AND FIRSTCREDIT APP
Before you borrow: registration does not make a loan cheap. Check the total amount you will repay, never give an app access to your contacts or gallery, and report any harassment to the FCCPC.
FCCPC register last checked 24 October 2026. Names can differ slightly between the app store and the register; if in doubt, search the company name.
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Questions borrowers ask
Is Happyloan approved by the FCCPC?
As of the FCCPC register checked on 24 October 2026, Happyloan is listed as: FCCPC approved. This lender has full approval from the FCCPC to offer digital loans in Nigeria.
Who owns Happyloan?
The FCCPC register lists Happyloan under Castillo Credit Limited.
Is it safe to borrow from Happyloan?
It is allowed to lend, which is the first test. Before you borrow, check the total amount you will repay, read the fees, and never give a loan app access to your contacts or gallery.
What can I do if Happyloan harasses me or messages my contacts?
Keep screenshots of every message and call, do not pay anything you do not owe, and report it to the FCCPC. Shaming borrowers or contacting their friends and family breaks the FCCPC digital lending rules. You can also report it to KudiCompass so we can warn other borrowers.