What is Community+?
Community+ is a social loan board built into the Urgent2K marketplace. Instead of quietly applying for a pre-existing offer and waiting, you can post your story publicly, let the community react, and have lenders come to you directly.
Think of it like a market square — you announce what you need, others show support or offer to lend, the right lender finds you and creates a formal offer, and everything moves through the same platform.
Posting a Loan Request
From the Marketplace, click the Community+ tab, then tap the composer bar at the top.
Write a title
Be specific and human. "Need ₦200K to restock my shop before Christmas" works far better than "Loan needed."
Tell your story
Explain why you need the money, how you plan to repay, and anything that builds trust. You can @mention lenders you've noticed on the platform.
Set amount and purpose
Enter the exact amount and choose the closest purpose category: Business, Education, Medical, Home, Agriculture, or Personal.
Post to Community+
Your post goes live immediately and is visible to all logged-in users. You earn +10 borrower points for posting.
Reactions
Every post has three reaction types. They carry intent and affect both visibility and community score.
| Reaction | What it means | Points |
|---|---|---|
| 🤝 Support | "This person looks legit" — a vote of confidence. | +1 you · +5 author |
| ❓ Question | "I need more info" before considering whether to lend. | +1 you · +2 author |
| 💰 Will Offer | Lenders: opens the offer creation modal. Borrowers: registers as a reaction. | +1 you · +8 author |
Only one active reaction per post is allowed at a time. Tapping the same reaction again removes it. Tapping a different one switches it.
Comments & @Mentions
Tap the comment count on any post to expand the thread. Press Enter to send, or use Shift + Enter for a new line.
@Mentioning users
Type @ followed by at least one character to trigger the mention dropdown. Mentioned users are highlighted in cyan within the comment thread.
Every comment earns you +3 borrower points.
Sharing Posts
Tap the share icon on any post to copy a public link anyone can visit — even without an Urgent2K account. Sharing earns you +2 borrower points.
Public visitors can see the post, up to 3 comments, and reaction counts. All interactive features still require login.
Lender Offers from Posts
If you're a lender, tap 💰 Make Offer on a post. A modal opens pre-filled with the amount — you set the interest rate, frequency, and duration. On publish, two things happen automatically:
A comment is auto-posted
It tags the borrower with their @handle and includes a direct link to the offer so they can apply in one tap.
The offer appears in the marketplace
It's a real loan offer visible on the Loan Offers tab. The auto-comment helps ensure the post author sees it first.
Getting Funded
When a lender creates an offer in response to your post, their comment appears with a direct link. Follow the link, review the terms, tap Apply for Loan, wait for lender approval, and once approved, the funds hit your wallet and your post is marked ✅ Funded automatically.
Getting funded earns you +50 borrower points — the biggest single jump in the system.
Viewing User Profiles
Tap any post author’s avatar or name to open their public profile. It shows their credit score and score bar, loan history (total, active, repaid, defaulted), repayment rate, community badge, KYC status, and member-since date.
No sensitive information is ever shown — no wallet balance, phone number, email address, or NIN.
Badge System
Community+ has separate progression tracks for borrowers and lenders. Your badge appears next to your name on every post and comment. Both badges display simultaneously for dual-role users.
Borrower Track — The Hustlers
| Badge | Min Score | How to reach it |
|---|---|---|
| 🌱 Freshie | 0 | Just signed up |
| 👀 Learner | 15 | First loan application or a few comments |
| 🗣️ Gist | 50 | Posting requests, commenting, and reacting |
| 🔥 Faya | 130 | Consistent posting and community engagement |
| 🌶️ Pepper | 320 | Multiple approvals and active repayments |
| 🚀 Mover | 600 | Sustained borrowing with strong repayment behaviour |
| 🎯 Chopped | 1,100 | Multiple funded posts and fully repaid loans |
Lender Track — The Money Men
| Badge | Min Score | How to reach it |
|---|---|---|
| 💵 Owo | 0 | Just signed up as a lender |
| 🤲 Helper | 20 | Create your first loan offer |
| 💪 Hardman | 70 | Approve applications and disburse loans |
| 💰 Moneybag | 180 | Multiple active loans and consistent lending |
| ⚡ Odogwu | 400 | High recovery rate and a strong track record |
| 👑 Chairman | 800 | Sustained high volume and recovered loans |
| 🏆 Oga | 1,500 | Undisputed — multiple completed loans and top activity |
FAQ
Can I edit or delete a post after publishing?
Not currently. Post a comment update on the same thread and create a new post if your request changes significantly.
What if no lender responds?
Your post stays open indefinitely — there is no expiry. Keep engaging in the comments to maintain visibility.
Can I post multiple loan requests?
Yes. But one well-written, focused request usually performs better than several simultaneous ones.
Does a lender's offer go only to the post author?
No — it appears in the public marketplace and anyone can apply. But the auto-comment helps ensure the post author sees it first.
What's the difference between credit score and community score?
Credit score reflects your loan repayment behaviour. Community score reflects your engagement on Community+ — posting, commenting, reacting, and getting funded.
Is my post visible to people outside Urgent2K?
Yes, if you or anyone else shares the link. The public page shows the post and the first 3 comments. All interactive features still require login.