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Exposing six Facebook accounts impersonating OPay to offer loans to Nigerians

IN SHORT: Facebook users should exercise caution as Facebook accounts posing as legit businesses try to scam them. Six suspicious pages are offering loans in the name of Nigerian financial services company OPay, but should be ignored.

The Facebook accounts OPay loan services, OPay loan serviceOpay loan services, OPay loan apply, Opay loan services and OPay Loan Service are offering loans to Nigerians on Facebook.

These accounts use the name of OPay, a digital financial service company operating in Nigeria. Some of the accounts also use the logo of the company as their profile picture.

A post from one of the accounts, published 3 December 2023, reads: “Get business Loans and personal Loans AVAILABLE to all Opay USERS/POS merchants>>apply in minutes you can also the admin to apply 09065117940”.

Similar offers have been posted here, here, here, here, here, here, here, here, here, here, here, here, here, here, here and here.

But are the offers legit? We checked.


Suspicious Facebook pages

The Facebook pages in question were all formed in 2023, according to their page transparency sections. 

The Facebook pages have small numbers of followers and minimal activity on their timelines, which is suspicious considering they are meant to represent a company serving millions of clients.

Africa Check found the official Facebook page of OPay. It was created in 2019 and has over 444,000 followers. The page is also verified by Meta.

There are links to OPay's verified Facebook page and other official social media profiles on the company's website. But we couldn’t find any links to the suspicious Facebook pages.

Loan services on OPay

OPay, in a 2 December 2023 reply to a customer's enquiry on the social media platform X (formerly Twitter), said loan services were currently unavailable on the mobile application.

“Please be informed that Loan services are currently unavailable on OPay,” reads another post.

We also found a post on X where the company asked users to reach out to Okash for loan enquiries. According to Startcredits, Okash is OPay's automated lending service with a mobile application.

It is crucial to investigate these pages to curb the widespread scams on social media. To help protect yourself against online scams, read our guide to Facebook scams and how to spot them.

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