NAIJA LOAN APPS

• 9jacash App
• Acecredit
• Aceloan
• Aella App
• Aibanc Mobile App
• Aje Homes
• Ajeloan Apps
• Ajomoni Apps
• Alend App
• Alikash
• Allawee App
• Antpay App
• Appcredit App
• Beta Finance App
• Beta Naira App
• Best Cash App
• Bimzukash App
• Blackcopper App
• Blazeloan App
• Blazeloan-Online Credit Loan App
• Boomcash App
• Boost Lending
• Busiyard Credit App
• C Loan App
• Capitalwise Payment Web App
• Carbon App
• Care Credit App
• Care Finance App
• Cash9ja App
• Cashadvance App
• Cashbus App
• Cashgo App
• Cashlion Apps
• Cashop App
• Cashrun
• Cashwise Loan App
• Cashx App
• Cashx Instant Loans App
• Caycredit App
• Century App
• Cheddar App
• Check Loan Apps
• Clan App
• Correctloan App
• Cowry Bank App
• Cowry Pay App
• Cowry Wealth App
• Craft App
• Crancash App
• Credible Loan App
• Credit 365 App
• Credit Cube App
• Credit Pocket
• Credit Wallet App
• Creditbag App
• Creditfast App
• Creditflex App
• Creditgo App
• Creditease App
• Creditfast App
• Creditinn.com.ng
• Creditjet-Safe & Fast Loan App
• Creditmax App
• Credit-Moi App
• Creditnow Apps
• Credlock Bussiness App
• Credlock Pay App
• Crednow App
• Crimson App
• Csense App
• CREDITPLUS App
• Daneizo Credit
• Distro Kash App
• Docredit
• Dohcash
• Dokucredit App
• Dotbank App
• E4moni App
• Eager Loan App
• Easemoney App
• Easemoni Apps
• Ease Cash App
• Easylend App
• Easynaira App
• Easyfund App
• Easykash App
• Easy Money Loan App
• Echoloan App
• Ecopay App
• Edonenter App
• Egoeasy App
• Egretcash App
• Egretlend App
• Elephant App
• Extra Cash App
• Factorwise App
• Fairmoney App
• Fastcash App
• Fastkash App
• Fegsol App
• Fewchore Pay App
• Fillmore App
• Fincredit App
• Fineset Limited
• Finkash App
• Finserve App
• Firmus Monie App
• Firstcredit App
• Firstloan App
• Flame Loan App
• Flashalart
• Flashcredit
• Flashcredit App
• Flashcredit-Quick Money App
• Flash Loan App
• Flash Silver App
• Flickwheel App
• Flexi Cash App
• Flexivault App
• Float -Cash App
• Floatr App
• Fortune Treasure App
• Fulcrummoney App
• Futurecash App
• Gap Business-Gap Business for Business Enthusiasts App
• Gap-Gap Finance for Individual App
• Getcredit App
• Getnaira App
• Go Loan App
• Gocash App
• Gold Source App
• Gomoni App
• Goose Wallet
• Gosling App
• Grand Naira App
• Greencredit App
• Grit-Tech Loan App
• Guarantee Loan App
• Halowallet App
• Happycredit App
• Happyego App
• Happyloan App
• Hatchpay App
• Hawkleap-Credit Loan App
• Hcash Apps
• Hcwallet
• Hi Credit App
• Hifund App
• Hikash
• Hizo.africa
• Hover Loan App
• Hubcash App
• Icredit App
• Ik Credit App
• Ikashpro App
• iiimoney-Fast Cash Loan App
• Imoney App
• Instantcred App
• Instantloan App
• Instant Loan App
• Irorun Mobile App
• Irorun Web
• Iustus
• Ivy Credit App
• Jara Cash App
• Kashcash Apps
• Kashflex App
• Kashkredit App
• Kashloan App
• Kashnow Apps
• Kashon
• Kashout
• Kashvault App
• Kero Fast Cash App
• KiaKia P2P App
• Kiya App
• Kkcash
• Kliksave App
• Klump App
• Koins by Primera App
• Kobogo App
• Korrect Kash App
• Kulu App
• Kwikpay Credit App
• Kwikvault App
• Lairaplus
• Large Naira App
• Lcash
• Lb Cash App
• Lb Credit App
• Lcredit
• Leapcredit App
• Lend Joint App
• Lend Safe App
• Lendify App
• Lendocredit Merchant Lending App
• Lendocredit Nano Lending App
• Lendplus App
• Lendquick App
• Lendswap App
• Lendu App
• Lendwise App
• Libertycred App
• Linkcredit
• Lioncash
• Loannaira
• Loannow App
• Loanmate App
• Loanstar App
• Loantech App
• Lumosloan Apps
• Luckyego App
• Lumocash-Instant Loan App
• Maxmoni App
• Mcash App
• Menacred App
• Micromoney App
• Minioma App
• Mintcredit
• Money 99-Safe & Fast Cash App
• Money in Minutes App
• Money Solve App
• Money Tap App
• Mona App
• Mona Finance App
• Moniepot
• Moni App
• Moniemize App
• Moniestream App
• Moniloan App
• My Cash
• Myhives App
• Naijaease App
• Nairaboost App
• Nairabox App
• Nairago App
• Nairamax App
• Naira Cup App
• Naira Exp App
• Nairapocket App
• Nairaplus App
• Nairavault App
• Near Money App
• Newcash
• Newlending App
• Nicecredit App
• Nicenaira App
• Nicenaira Plus App
• Nicekash App
• Nikdel Fast Cash App
• Nikdel Loans App
• Ninecash-Quick Money App
• Nolt App
• Nowcredit App
• Okadacash App
• Okadanaira
• Okadaloan App
• Okash Easemoni Apps
• Okilo Loan App
• Okilocash
• Oklin Credit Loan App
• Ola Credit App
• Omafin App
• Omnikash App
• Onenaira App
• Opp Cash App
• Owocredit App
• Oxymon App
• P2Vest App
• Palmcash App
• Palmcredit Plus App
• Papkash
• Paycredit App
• Payday Loan App
• Paylater App
• Paypoint App
• Penaid.ng
• Pennee App
• Phastmoney App
• Picknaira App
• Pitch Credit App
• Pivo App
• Pocash App
• Pocketfuel App
• Ponycash App
• Powerkash
• Prime Pay Apps
• Primecash App
• Procash
• Provest App
• Pure Cash App
• Purple-Pearl App
• Qcash
• Quickacess Loan App
• Quickash App
• Quickcheck App
• Quick Credit App
• Quickcred Bnpl Loan App
• Quickcred Personal Loan App
• Quickcred Salary Loan App
• Quickego App
• Quickmoni App
• Quickteller App
• Rapidalar
• Rapidfund App
• Rapidlend App
• Rapidloans
• Rapidnaira App
• Rexafrica App
• Renmoney Instant Cash Loan
• Rentmata App
• Ripples Finance App
• Rocketlend-Fastmoney App
• Rocket Loan App
• Rockit App
• Royalcredit App
• Rushcredit App
• Sapa Jump App
• Savingsbox App
• Secucash App
• Seedfi App
• Shara App
• Sharp Collect App
• Sigmamoney Loan App
• Silkloan-Quickcash Loan App
• Sixth Penguin Loan App
• Smartnaira App
• Snappy Credit Apps
• Snowpay App
• Spendmoney App
• Starcash App
• Stash App
• Stream Sapa App
• Sunbay Credit Loan App
• Sunnycredit App
• Superwallet App
• Surecredit App
• Surefund App
• Sweet Credit App
• Swifcredit
• Swiftecho App
• Swiftkash
• Swifund App
• Sycamore App
• Tap Cash
• Tcredit App
• Tifi Slice-Fast Cash Loan App
• Tiger Credit
• Tloan App
• Togain App
• Tokcash Loan App
• Top Credit App
• Topcredit.com.ng
• Tractionapp App
• Trivista App
• True Money App
• Truemoney App
• Truenaira App
• Trustkash App
• Trustloan App
• Trustnaira App
• Trusty App
• Twaleloan App
• Uc Salary Loan
• Uniquejmk App
• Urgent10k App
• Urgent Money App
• Urkash
• Veend App
• Vibecash App
• Vibecredit App
• vidus loan app
• Vkash Apps
• Wakacash App
• Warm Lending App
• Wayacredit App
• Wekash App
• Welend App
• X-Oravest Capital Loan App
• Yanzu Afrika App
• Yanzu Kredit App
• Yescredit App
• Yesloan App
• Zcash
• Zelia App
• Zemcash App
• Zoomcash App
• Zuvy.co

The loan apps listed above have received full approval from the Central Bank of Nigeria (CBN) through the Federal Competition and Consumer Protection Commission (FCCPC). The FCCPC regulates digital lending platforms to ensure they operate legally, adhere to fair lending standards, and protect consumer rights. To avoid fraudulent schemes, hidden fees, and data privacy breaches, it is advisable to borrow only from CBN-approved loan apps.

The FCCPC is the body that ensures that loan apps operate legally, follow fair lending practices, and don’t engage in harassment or data privacy violations. If you want to borrow money, use only loan apps approved by CBN to avoid scams, hidden charges, and data privacy violations.

Let’s look at the top personal and business loan apps in Nigeria.

Best Personal Loan Apps in Nigeria

Below are the top personal loan apps in Nigeria based on their interest rates, loan approval speed, loan amounts, repayment terms, and user reviews.

Carbon (by Carbon Microfinance Bank)

Carbon (by Carbon Microfinance Bank) is one of the best loan apps in Nigeria that offers unsecured personal and small business loans, ranging from ₦2,500 to ₦1,000,000 without collateral. Carbon interest rates are between 4.5% and 30% per month, with an annual percentage rate (APR) of up to 195%. Repayment terms are flexible, spanning from 61 days up to 12 months, depending on the loan amount and your profile. Carbon’s application process is fully digital, you can do it with your mobile app on Android or iOS, and loan approval is instant.

In addition to loans, Carbon also provides services such as bill payments, savings, and credit-building tools. The app is highly rated, with an average score of about 4.4 out of 5 from over 78,000 user reviews.

• Loan range: 2,500 to 1,000,000 naira
• Interest rate: 4.5 to 30 percent monthly
• Repayment period: 61 days to 12 months
• Collateral: Not required
• Availability: Android and iOS
• User reviews: Around 4.4 out of 5 stars with over 78,000 reviews
• Extras: Bill payments, savings, and credit-building tools

Branch (by Branch International)

Branch is one of the best personal loan apps in Nigeria, known for providing instant loans to individuals and small businesses with loan amounts ranging from ₦2,000 to ₦1,000,000 without collateral.

The app charges relatively high interest between 17% and 40% per month, and it processes and disburses loans quickly, often within 12 hours of approval.

Repayment terms range from 4 to 40 weeks, depending on the loan amount and the borrower’s creditworthiness.

Branch uses smartphone data (such as location, call logs, and app usage) to assess creditworthiness, making the application process fast and fully digital. The app is available on both Android and iOS, and it has been downloaded over 10 million times.

Branch is also registered with the FCCPC, which adds to its credibility as a regulated digital lender in Nigeria, and it maintains a strong user rating of around 4.5/5, reflecting overall customer satisfaction.

• Loan range: 2,000 to 1,000,000 naira
• Interest rate: 17 to 40 percent monthly
• Repayment period: 4 to 40 weeks
• Collateral: Not required
• Availability: Android and iOS
• User reviews: 4.5 out of 5 stars with over 10 million downloads

FairMoney (by FairMoney Microfinance Bank)

The FairMoney loan app by FairMoney Microfinance Bank is another best loan app in Nigeria that focuses on personal and business loans, as well as savings services, and it operates entirely through a mobile app, making it fast and convenient for users. It offers collateral-free loans, and interest rates range from 2.5% to 30% per month, depending on your credit profile.

One of its biggest advantages is speed, with loan approvals in  5 minutes and funds disbursed instantly. Repayment can range from 91 days to 12 months. The FairMoney loan app is available on both Android and iOS; users can also access additional services like a debit card, bill payments, and daily loan disbursements (reportedly over 10,000 loans per day). FairMoney has a strong user rating of about 4.2 out of 5, based on more than 587,000 reviews, making it one of the most widely used and trusted loan apps in Nigeria.

• Loan range: 1,500 to 3,000,000 naira (up to 5 million for businesses)
• Interest rate: 2.5 to 30 percent monthly
• Repayment period: 91 days to 12 months
• Collateral: Not required
• Availability: Android and iOS
• User reviews: 4.2 out of 5 stars with more than 587,000 reviews
• Extras services: Debit card, bill payment, and fast approval, often within 5 minutes

PalmCredit and NewCredit (by Newedge Finance Ltd.)

PalmCredit and NewCredit are two known loan apps in Nigeria owned by Newedge Finance Ltd. that offer fast, unsecured loans to Nigerian users and are only available for Android users. First-time borrowers can access a small loan from ₦2,000, with up to a 91-day term.

As users build repayment history, they can qualify for higher limits, with installment loans available up to ₦100,000. NewCredit is PalmCredit’s sister app that also offers larger instant personal loans, ranging from ₦10,000 to ₦300,000, with similar loan terms and interest rates. Both apps are popular in the digital lending space in Nigeria and are widely trusted by users for their speed, ease of use, and no-collateral loan options.

• PalmCredit loan range: 2,000 to 100,000 naira
• NewCredit loan range: 10,000 to 300,000 naira
• Interest rate: 14 to 24 percent monthly
• Repayment term: Minimum 91 days
• Collateral: Not required
• Availability: Android only
• User reviews: 4.2 out of 5 stars with over 10 million downloads

See Also: 30 best loan app in nigeria 2025

QuickCheck (by Arve Limited)

QuickCheck is a fast and reliable loan app developed by Arve Limited, now available for Android users in Nigeria with a high user rating of 4.6 out of 5, based on over 211,000 reviews on the Google Play Store. The app offers quick personal loans starting from ₦1,500 (typically capped at ₦15,000 for first-time users). However, borrowers who repay on time can qualify for higher loan amounts, up to ₦500,000 over time. Interest rates are relatively competitive for short-term lending. First-time borrowers can enjoy monthly interest as low as 5%, while rates for repeat customers can vary between 2% and 30% per month, depending on the credit profile. This translates to an annual percentage rate (APR) ranging from approximately 30% to 260%. No collateral or guarantor is required to access loans on QuickCheck, making it accessible for a wide range of users. The entire process from downloading the application to disbursement is handled within the app, and approved funds are transferred within minutes.

• Loan range: 1,500 to 500,000 naira
• Interest rate: Starts from 5 percent monthly
• Repayment term: Flexible
• Collateral: Not required
• Availability: Android only
• User reviews: 4.6 out of 5 stars with over 211,000 ratings
• Extra: Loans disbursed within minutes

Aella Credit (by Aella Microfinance Bank)

Aella Credit is a digital lending platform operated by Aella Financial Solutions Ltd., serving as the lending arm of Aella Microfinance Bank, which is both CBN-licensed and NDIC-insured. The app offers quick, unsecured loans of up to ₦1,500,000 to its users, without any collateral or guarantor, with interest rates ranging from 1.5% to 22% per month, translating to annual percentage rates (APRs) of 22% to 264%, depending on the borrower’s profile. However, the platform can offer significant discounts for early or on-time repayment, helping reduce total loan costs. There are no hidden charges, and the entire loan process is conducted through the Aella loan app, which is available on both Android and iOS. With over 35,000 reviews, the app currently holds a 3.6-star rating on the Google Play Store, indicating a moderate level of user satisfaction.

• Loan range: Up to 1,500,000 naira
• Interest rate: 1.5 to 22 percent monthly
• Repayment term: Flexible
• Collateral: Not required
• Availability: Android and iOS
• User reviews: 3.6 out of 5 stars with 35,000 reviews

OKash and EasiMoni (by Blue Ridge Microfinance Bank)

OKash and EasiMoni are two well-known loan apps in Nigeria that are operated by Blue Ridge Microfinance Bank, which offer instant loans with just a valid BVN without collateral. OKash provides personal loans ranging from ₦3,000 to ₦500,000, with interest at approximately 1.2% per day, which is roughly 36% per month. EasiMoni, on the other hand, offers slightly higher loan limits from ₦3,000 up to ₦1,000,000 with a monthly interest rate of 5% to 10%. Borrowers can repay over flexible terms ranging from 91 to 365 days. Both apps are available on Android, each boasting over 5 million downloads and strong user feedback, with average ratings of around 4.5 out of 5 stars.

• OKash loan range: 3,000 to 500,000 naira
• EasiMoni loan range: 3,000 to 1,000,000 naira
• Interest rate: OKash approximately 1.2 percent daily, EasiMoni about 5 to 10 percent monthly
• Repayment period: 91 to 365 days
• Collateral: Not required
• Availability: Android only
• User reviews: Around 4.5 out of 5 stars with over 5 million downloads each

XpressCash (by FirstBank Microfinance Bank)

XpressCash, by FirstBank’s microfinance subsidiary (FBN MFB), is one of the best loan apps in Nigeria that offers instant personal loans between ₦10,000 and ₦400,000 with very fast approval, often within minutes. The loan app’s exact loan amount, interest rate, and repayment term depend on the applicant’s salary band, and these details are not always published on the app. You can access XpressCash via USSD (894#) and the FirstMobile app, making it convenient for FirstBank account holders. It has a user rating of around 4.0 out of 5; this shows its credibility and ease of use in Nigeria’s digital lending space.

• Loan range: 10,000 to 400,000 naira
• Approval time: Within minutes
• Collateral: Not required
• Access: USSD code or FirstMobile app
• User reviews: Approximately 4.0 out of 5 stars

Loan App	Loan Range (₦)	Monthly Interest	Collateral	Rating (Play Store)
Carbon (Carbon MFB)	2,500 – 1,000,000	≈ 4.5% – 30%	None	~4.4/5
Branch (Branch Int’l)	2,000 – 1,000,000	17% – 40%	None	~4.5/5
FairMoney (FairMoney MFB)	1,500 – 3,000,000	2.5% – 30%	None	~4.2/5
PalmCredit (Newedge Finance)	2,000 – 100,000	14% – 24%	None	~4.2/5
QuickCheck (Arve Ltd.)	1,500 – 500,000	5% – 30%	None	~4.6/5

Business Loan Apps in Nigeria (2025)

Here we will list out where you can access business loans in Nigeria that offer fast loans to small and medium-sized businesses with minimal paperwork or without collateral.

1. Renmoney (RenMoney Microfinance Bank)

Renmoney, operated by RenMoney Microfinance Bank, is one of the popular loan apps approved by CBN in Nigeria that offers both personal and business loans with flexible options. Loan amounts range from ₦50,000 up to ₦6,000,000, and for larger small and medium enterprises (SMEs), Renmoney can provide loans of up to ₦50,000,000. One of Renmoney’s major advantages is that most of its loans do not require collateral, making it accessible to a wide range of borrowers. For larger loans, repayment terms can span several years, offering business owners more time to grow and repay sustainably. Renmoney loans can be accessed through its mobile app and web platform, both of which are user-friendly, with an average user rating of 4.1 out of 5 based on over 22,000 reviews, reflecting customer satisfaction and trust in the platform.

• Loan amount: ₦50,000 to ₦6,000,000 for small businesses (up to ₦50 million for SMEs)
• Collateral: Not required for smaller loans
• Repayment: Short- to long-term, depending on loan size
• Access: Via web or mobile app
• User rating: 4.1 out of 5 with over 22,000 reviews

2. Lidya

Lidya (Lidya Nigeria) is a fintech platform that specializes in providing unsecured business loans to SMEs in Nigeria; with its AI-based credit scoring, it can disburse loans of up to ₦50,000,000 without the need for collateral. The entire loan process is digital, with no paperwork required, and all fees are transparent, making it one of the best loan apps for small and medium-sized enterprises that need quick, hassle-free access to working capital.

• Loan amount: Up to ₦50 million
• Collateral: Not required
• Approval: AI-powered credit scoring with fast approval
• Best for: Small and medium enterprises (SMEs)
• Process: Entirely digital, no paperwork needed

3. Flutterwave Capital

Flutterwave Capital, powered by Flutterwave Inc., is a merchant-lending service within the Flutterwave payment ecosystem that provides fast business loans specifically to merchants who already use Flutterwave to process payments. Loan offers are based on a merchant’s transaction history, and loans can be disbursed within 48 hours, though loan amounts and interest rates vary depending on the merchant’s sales volume. This solution is best suited for small businesses already transacting through Flutterwave.

• Loan amount: Based on sales volume
• Collateral: Not required
• Disbursement: Within 48 hours
• Ideal for: Businesses already accepting payments via Flutterwave

4. Carbon for Business

Carbon by Carbon Microfinance Bank is one of the popular loan apps in Nigeria, which offers lending services for personal and business needs. Through the Carbon app, you can access business loans up to ₦10,000,000 within as little as 24 hours. The interest rates and documentation requirements are like Carbon’s personal loan; it provides a familiar and accessible borrowing experience for entrepreneurs and startups.

• Loan amount: Up to ₦10 million
• Collateral: Not required
• Approval: Fast, within 24 hours
• Integration: Works with business accounts

5. GroFin

GroFin is a business loan lender that focuses on providing business loans ranging from ₦50 million to ₦250 million. This lending platform is for businesses in sectors such as agriculture, health, and education and is best for entrepreneurs looking for long-term loan solutions. Beyond just funding, GroFin bundles its loans with business support services, including mentorship and training. However, one of the disadvantages is that the loan approval process can take longer compared to other digital lending platforms.

• Loan amount: ₦50 million to ₦250 million
• Target sectors: Agriculture, health, education, and other high-impact areas
• Ideal for: SMEs with long-term business goals
• Approval: More detailed and slower process compared to fintechs

6. FairMoney (FairMoney Microfinance Bank)

FairMoney is one of the best loan apps for personal loans; it also offers business loans of up to ₦5,000,000, with its application process being 100% digital and credit decisions being made quickly, making it one of the best loan apps for small businesses looking for fast capital. The Fairmoney loan app has been downloaded up to 5 million times in the Google Play Store by startups and entrepreneurs, thanks to its convenience and accessibility.

• Loan amount: Up to ₦5 million
• Collateral: Not required
• Approval: Fast, 100 percent digital process
• Ideal for: Startups and small businesses needing quick capital

7. Branch

Branch offers business loans apart from personal loans in its mobile app. Its loans are collateral-free with instant approvals based on smartphone data-based credit assessments. Branch maintains one of the highest app ratings in Nigeria, making it a trusted option for business owners seeking fast and reliable credit.

• Loan amount: Up to ₦1 million
• Collateral: Not required
• Approval: Instant, based on smartphone data
• User-friendly: Highly rated on app stores

Salary Advance Loan Apps in Nigeria

Salary advance loan apps help workers access part of their wages before payday or borrow against their salaries for short-term needs. The app below allows you to access a salary advance loan that is linked to your salary accounts.

1. InCash (InCash Africa)

InCash (InCash Africa) is an earned wage access (EWA) platform designed for salaried workers that allows employees to access part of their earned wages before payday with up to ₦100,000 per advance and with zero interest. Instead of charging interest, InCash applies a one-time transaction fee ranging from ₦500 to ₦2,000, depending on the amount you withdraw. The loan will be disbursed instantly, often within 3 minutes, once you get approved. Repayment is automatic through payroll deduction on your next salary date, which means there are no debt collection calls or follow-ups. InCash is available via mobile app (Android and iOS), web, and USSD, but it requires that your employer be partnered with InCash for you to be eligible. Note: InCash is a fintech company headquartered in the United States (DE/USA) and is not a traditional lender. Despite that, it’s one of the most trusted salary-advance platforms currently operating in Nigeria.

• Advance limit: Up to ₦100,000
• Interest: None; only a one-time fee (₦500 to ₦2,000)
• Disbursement: Within 3 minutes
• Repayment: Automatically deducted from salary
• Availability: Android, iOS, USSD, and web
• Requirement: Your employer must be partnered with InCash

2. FirstAdvance (First Bank of Nigeria)

FirstAdvance (First Bank of Nigeria) is a salary advance loan service for FirstBank customers where you can borrow a percentage of your net salary through it USSD code (*894#) or by using FirstMobile App. With loan amount up to 50% of your net salary for a 30-day advance (with a maximum of ₦1.5 million) or up to 75% for a 90-day advance (with a cap of ₦2.0 million). The fees may include a 3% flat interest on the principal (collected upfront), plus 1% management and 1% insurance fees. Repayment is made automatically in which full amount, including fees, is deducted on the next salary or spread across 3 months for the 90-day option.

• Loan amount: Up to ₦1.5 million for 30-day loans, ₦2 million for 90-day loans
• Interest and fees: 3 percent interest, 1 percent management fee, 1 percent insurance fee
• Repayment: Deducted on next salary or via monthly installment
• Access: USSD (*894#) or FirstMobile App
• Collateral: Not required

3. Salary Advance (GTBank)

Salary Advance (GTBank) is a salary loan service provided by Guaranty Trust Bank for accredited employees that allows borrowers to access up to 50% of their net monthly salary for a 30-day term, which can be renewed monthly. The loan is collateral-free and disbursed within 24 hours of approval with no fixed interest, but the loan is a convenient short-term solution for staff in need of immediate funds. Employees can apply via GTBank Internet Banking or by dialing the USSD code 7378*2#.

• Loan amount: Up to 50 percent of monthly salary
• Tenure: 30 days (renewable)
• Collateral: Not required
• Access: GTBank Internet Banking or USSD 7378*2#
• Disbursement: Within 24 hours

4. QuickBucks Salary Advance (Access Bank)

QuickBucks is Access Bank’s dedicated salary loan platform.

• Loan amount: Up to 200 percent of monthly salary (depending on obligations)
• Interest rate: 10 percent per annum on a reducing balance
• Tenure: Up to 6 months
• Fees: 1 percent processing and 1 percent insurance (deducted upfront)
• Collateral: Not required
• Access: QuickBucks mobile app or USSD
• Reviews: The app has over 500,000 downloads with mixed ratings.

Provider	Loan (% salary)	Tenor	Interest/Fees	Platform
InCash (EWA)	Up to ₦100,000	~1–3 pay cycles	0% interest (₦500–2,000 flat fee)	Android, iOS, Web
First Bank (FirstAdvance)	50–75%	30 or 90 days	3% flat + 1% management + 1% insurance	USSD (*894#), FirstMobile App
GTBank Salary Advance	50%	30 days	Not specified publicly	Internet Banking, USSD
Access Bank (QuickBucks)	Up to 200%	180 days	10% p.a. + 1% processing + 1% insurance	QuickBucks App, USSD (*901#)

All the loan apps listed above operate under Nigerian regulations, and many of them are managed by banks or microfinance institutions that are licensed by the Central Bank of Nigeria (CBN). Be sure to check app ratings and user reviews before borrowing, as they can help you gauge reliability and user satisfaction.