Loan App in Nigeria

• 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
• Swift Naira Loan 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 listed apps are some of the available loan app(s) in Nigeria. If you want to borrow money from the above loan app, you need to copy the app to the Google Play Store and download it. Before you download, make sure you go through the app users’ ratings, reviews, and terms.

The above apps are CBN and FCCPC approved. The FCCPC is the body that regulates digital lending platforms to ensure that they operate legally, adhere to fair lending standards, and protect consumer rights.

To avoid fraudulent apps, hidden fees, and data privacy breaches, it is advisable to borrow only from CBN-approved loan apps.

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 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 loan apps in Nigeria that you can get unsecured personal and small business loans from, ranging from ₦2,500 to ₦1,000,000 without collateral.

Interest rates are between 4.5% and 30% per month, with an annual percentage rate (APR) of up to 195%.

Carbon offer Repayment terms range from 61 days up to 12 months, and this depends on the loan amount and your profile. To get a Carbon loan, you need to download the app on the Google Play Store if you are using Android or the Apple Store if you are using iOS. Then, you need to install and activate the app and apply for a loan; you can get approval instantly.

See Also: Full list of Loan Apps Without Face Verification in Nigeria 2025

In addition to loans, Carbon offers services such as bill payments, savings, and credit-building tools.

The app is one of the best loan apps in Nigeria that 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

Branch is a personal loan app in Nigeria that gives instant loans for individuals and small businesses with loan amounts ranging from ₦2,000 to ₦1,000,000 without collateral.

It interest rates can be high, between 17% and 40% per month. And repayment terms range from 4 to 40 weeks; this depends on the loan amount and your creditworthiness.

These loan apps use smartphone data (such as location, call logs, and app usage) to assess your creditworthiness; this makes the application process fast, and the entire process can be done on your mobile. Branch is one of the best loan apps in Nigeria, with over 10 million downloads.

This loan app is registered and approved by the FCCPC, adding to its credibility as one of the regulated digital lenders in Nigeria, and it also maintains a strong user rating of around 4.5/5, showing 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

The FairMoney loan app by FairMoney Microfinance Bank offers personal and business loans, as well as other services like savings on its mobile app. It also offers interest rates ranging from 2.5% to 30% per month, depending on your credit profile.

One of Fairmoney’s advantages is its speed; you can get a loan in 5 minutes with funds disbursed instantly, and repayment can range from 91 days to 12 months.

You can get the FairMoney loan app on both Android and iOS; it comes with additional services like a debit card, bill payments, and daily loan disbursements (reportedly over 10,000 loans per day).

FairMoney is one of the best loan apps in Nigeria, with a user rating of about 4.2 out of 5, based on more than 587,000 reviews.

• 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 loan Apps

PalmCredit and NewCredit are both the best loan apps in Nigeria, owned by Newedge Finance Ltd. With these loan apps, you can access a small loan from ₦2,000 and up to a 91-day repayment term.

NewCredit and PalmCredit loan apps can give instant personal loans, ranging from ₦10,000 to ₦300,000, with similar loan terms and interest rates.

• 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)

The QuickCheck loan app is one of the best loan apps in Nigeria, with a user rating of 4.6 out of 5, which is based on over 211,000 reviews on the Google Play Store.

QuickCheck offers personal loans starting from ₦1,500 to ₦15,000 for first-time users.

And when you repay on time, you can qualify for higher loan amounts, up to ₦500,000 over time.

Its interest rates for first-time borrowers range as low as 5%, while rates for repeat customers can vary between 2% and 30% per month, depending on your credit profile, and its annual percentage rate (APR) ranges from 30% to 260%.

• 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)

The Aella Credit loan app is one of the best loan apps in Nigeria that offers quick, unsecured loans up to ₦1,500,000 without any collateral with interest rates ranging from 1.5% to 22% per month. Its annual percentage rates (APRs) range from 22% to 264%, depending on the borrower’s profile.

The app has over 35,000 reviews and currently holds a 3.6-star rating on the Google Play Store; this shows its 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 EaseMoni are operated by Blue Ridge Microfinance Bank and offer instant loans without collateral.

The OKash loan app can give personal loans ranging from ₦3,000 to ₦500,000, with interest rates of 1.2% per day, which is roughly 36% per month.

EasiMoni, on the other hand, can offer a higher loan amount from ₦3,000 up to ₦1,000,000 with a monthly interest rate of 5% to 10%.

As a borrower, you can choose repayment from 91 to 365 days. Both apps are available on Android, with each having over 5 million downloads and user feedback/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

See Also: Best Loan Apps Without BVN (2025 Review)

XpressCash (by FirstBank Microfinance Bank)

XpressCash loan apps offer instant personal loans between ₦50,000 and ₦400,000 within minutes.

You can access XpressCash via USSD (*894#) and with the FirstMobile app, making it the best for FirstBank account holders. XpressCash has a user rating of around 4.0 out of 5; this shows its credibility 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