A young Nigerian man has become the center of online attention after proudly showcasing his remarkably high credit score on a digital lending platform accessible through the OPay application.
High Credit Score Revelation
The user, known as @illxgally on the social media platform X (formerly Twitter), shared his financial standing after claiming that OPay contacted him directly when he ran out of funds. According to his post, the platform offered him the opportunity to borrow a substantial N1 million immediately.
When other users expressed skepticism about his claims, @illxgally provided concrete evidence by sharing a screenshot of his credit score from a partner lending platform operating through OPay. The screenshot revealed his credit limit stood at an impressive N1,351,000, demonstrating his established history of borrowing and repaying loans through the service.
Mixed Reactions from Netizens
The revelation sparked widespread discussion among Nigerian internet users, with responses ranging from admiration to serious concern. Many commenters warned the young man about potential pitfalls of digital lending platforms.
One user, @AjibolaPresido, directly cautioned him with the comment: "It's a trap bro." Another commenter, @Wisechoice0101, pointed out the likely high interest rates, noting: "Sure you paying 1.5 or above for that 1 million lol Easimony no be okay."
Some users shared their own experiences with loan apps, with @Wavyfahja revealing: "I done collect there loan back then in poly as then the disturb me I changed sim move on." Meanwhile, @iam_akorede shared his own financial situation: "You try mine was 850k before I scatter everything I'm owning them 500k self."
Regulatory Context for Digital Lending
This incident comes amid increased regulatory scrutiny of digital lending platforms in Nigeria. The Federal Competition and Consumer Protection Commission (FCCPC) introduced new regulations in July 2025 aimed at protecting consumers.
Under these regulations, known as the Digital, Electronic, Online, or Non-Traditional Consumer Lending Regulations, 2025, loan apps now face significant penalties for misconduct, including fines of up to N100 million. The rules specifically address concerns about high interest rates, misuse of personal data, harassment of borrowers, and unfair competition within the lending sector.
The timing of this viral social media post highlights ongoing public conversation about digital financial services in Nigeria, balancing the convenience of quick loans against potential risks for borrowers.
