Loan Safe Bot

What does Loan Safe do?

Choosing a loan app can feel risky. The Federal Competition and Consumer Protection Commission (FCCPC) has warned about harassment and abusive debt collection by some digital lenders. Loan Safe helps you check what the commission has published about an app before you borrow.

Enter an app or company name, and Loan Safe will check whether it appears in the FCCPC's digital money lender records, show whether it is approved or in another published category, identify the company named in the listing, and link you to the official source. You can check up to 100 names at once, explore other apps listed under a company, and track changes over time.

An FCCPC listing is a useful first check, not a guarantee that a loan is safe or affordable. Before borrowing, check the loan's interest rate, fees, and repayment terms carefully.

Why use Loan Safe?

Before you borrow, find out who is behind the loan app. Loan Safe shows the company and FCCPC category linked to it, with the original record beside the answer so you can check it yourself.

How to use Loan Safe

1. Open the Input tab. Leave Ask about a lender selected.
2. Enter an app or company name, such as CLAN.
3. Click Start.
4. Open Output to read the answer. You'll see the company, the FCCPC category, when the source was checked, and the source link.

Want to do something else? Choose the matching option in Input:

I want to...	Choose...
Find apps listed with a company	Explore a company and its apps
Check a list of names	Check several lenders
See what changed since an earlier run	Track registry changes
Download every listing	Export the full FCCPC registry

The first change check saves a starting point. Run it again using the same history store name to see which listings are new, changed, or no longer found. A scheduled run can repeat this check for you.

Input

The form is enough for most users. Only fill in the fields for the option you chose. The main fields are:

Field	What to enter
What would you like to do?	Pick one of the five options above.
App or company name / question	One name or question for a lookup or company search.
Lender names for batch checking	Up to 100 names, one per item.
Understand questions with Gemini	Optional. Exact name checks work without an AI key.
History store name	For change tracking, keep the same name across runs.

For example, this checks one name without AI:

{"mode":"lookup","message":"CLAN","useAI":false}

If you want to ask questions in everyday language, add GEMINI_API_KEY as a secret environment variable. Loan Safe still takes lender facts from the FCCPC records, not from the AI model. If Gemini is unavailable, it falls back to basic lookup.

Output

The Output tab shows a readable answer and the details behind it. The example below uses fictional names; it is not a real approval claim:

{
  "kind": "match",
  "reply": "Company: Example Company. Published category: Approved. See the source and check time.",
  "companyName": "Example Company",
  "appNames": ["Example App"],
  "status": "approved",
  "sourceUrl": "https://fccpc.gov.ng/registration-of-digital-money-lenders/approvals-of-dmls/",
  "checkedAt": "2026-09-24T10:00:00+00:00"
}

If a name could refer to more than one listing, Loan Safe asks you to choose. If it cannot find a name, it says not found. Neither result proves that an app is illegal or unsafe. If the FCCPC page cannot be read, the run fails instead of giving a misleading answer.

You can download the dataset as JSON, HTML, CSV, or Excel. The run's key-value store also contains the complete OUTPUT record.

Data table

Field	Meaning
companyName	Company name shown in the registry, when available.
appNames	App names listed with that record.
registryStatus	The FCCPC category as published.
status	A simplified category used by Loan Safe.
sourceUrl	Link to the FCCPC page.
checkedAt	When Loan Safe checked the page, not when FCCPC made a decision.
kind	Whether the search found a match, needs clarification, or found nothing.

Pricing / Cost estimation

How much does it cost to check the FCCPC registry?

Loan Safe charges $0.01 for each app or lender name checked in a lookup or batch run. A 10-name batch costs $0.10 for checks. Apify also charges a small Actor Start fee ($0.00005 at 1 GB memory) when a run begins. Other modes currently have no per-check charge. If you enable Gemini, its provider may charge separately. Set a maximum cost per run in Apify to control spending.

Tips and advanced options

• For the most reliable lookup, use the exact app or company name shown in the registry.
• In Track registry changes, keep the same history store name. The first run creates the baseline; later runs compare against it. Run one change check at a time for each store.
• No longer found means a listing was missing from the latest check. It does not mean FCCPC delisted the lender. Open the source link before drawing a conclusion.
• A fresh lookup checks the published page. Change tracking uses Apify's key-value storage to keep earlier observations, and Apify schedules can run the comparison regularly.

FAQ, limitations, and support

Does “approved” mean a loan is safe or affordable? No. It describes the published registry category, not the price, terms, collection practices, or suitability of a loan. Conditional approval and registration waiver are separate categories.

What if my app isn't found? Try its company name or another spelling, then check the FCCPC page directly. Absence from a search result is not proof that an app is illegal.

Can Loan Safe compare interest rates? No. The FCCPC registry used here does not provide a reliable, current rate comparison. Loan Safe is for checking published lender listings and changes.

Where does change history begin? With your first successful change check. The time shown is when Loan Safe observed the page, not an FCCPC decision date.

Loan Safe is an independent tool, not an FCCPC service. Please respect the source site's terms when using public data. If something looks wrong, use the Actor's Issues tab and include a run ID and a non-sensitive example. Do not post API keys or private financial details.

Technologies and tools used

• Python and Apify SDK: Run Loan Safe and process each request.
• FCCPC digital money lender records: Provide published app names, lender companies, and categories.
• Apify datasets: Store answers and results for viewing or download.
• Apify key-value storage: Keep earlier registry snapshots for change tracking.
• Apify schedules: Run repeat checks automatically.
• Google Gemini (optional): Helps understand questions written in everyday language. FCCPC records still determine the lender facts.
• Apify pay-per-event: Charge for completed lender name checks.

How Loan Safe works

Gemini can help interpret questions written in everyday language before matching. FCCPC records provide the lender facts.