A Nigerian man has stirred reactions online after revealing how he accidentally received a ₦2 million loan from opay when he only intended to borrow ₦300,000.
The incident, shared by X user @toshine4u, quickly gained attention as many users weighed in on what he should do next.
According to the man, he received a notification from OPay informing him that he qualified for a loan facility of up to ₦2 million. Since he urgently needed about ₦250,000, he decided to apply for ₦300,000 instead.
However, during the application process, he mistakenly selected the wrong amount. Before realizing what had happened, ₦2 million had already been disbursed into his account.
He explained that he immediately transferred ₦300,000—the amount he actually needed—to another account and contacted customer service, hoping the remaining balance could be reversed to avoid the hefty interest associated with the larger loan.
According to him, customer support informed him that there was nothing they could do after the loan had already been disbursed.
In his words:
“I got notification on my Opay app that I can get ₦2 million loan. So yesterday I needed just ₦250k, so I decided to apply so I can take only ₦300k.
Where I was pressing the amount, I never knew that I made mistake and before I know, I saw ₦2m in my account.
Since I need just ₦300k, I quickly send it out from the ₦2m to my other account and I called the customer care to withdraw the balance cos I can’t pay the interest added to that ₦2m.
The customer care representative is telling me there is nothing they can do. Please what can I do to avoid paying the huge interest?”
Reactions Online
The situation sparked mixed reactions, with some sympathizing with him while others argued that borrowers should carefully review loan details before confirming transactions.
Many commenters advised him to repay the unused portion immediately if the loan terms allow early repayment, while others suggested escalating the issue through official customer support channels and requesting a review of the transaction.
What He Can Consider
Check the loan agreement to see whether early or partial repayment reduces interest charges.
Repay the unused ₦1.7 million as quickly as possible if the platform permits it.
Contact customer support again through official channels and request written clarification on repayment and interest calculations.
Keep records of all communications and transaction receipts.
If necessary, file a formal complaint through OPay’s official dispute-resolution process.
The key factor will be the specific terms of the loan product, as some digital loans calculate interest upfront while others reduce charges when the principal is repaid early.
See below:
Published by Ejoh Caleb
