Lender Reviews
Honest, detailed reviews of Nigerian loan apps. Real user ratings, interest rates, and experiences to help you choose wisely.
OPay
VerifiedCBN LicensedFast loans from Nigeria's top fintech
1,250 reviews
Amount
₦3K - ₦500K
Interest
5-15%
Approval
5-10 minutes
Carbon
VerifiedCBN LicensedNigeria's most trusted loan app with banking features
2,150 reviews
Amount
₦2K - ₦1.5M
Interest
5-15%
Approval
5-60 minutes
GTBank Quick Credit
VerifiedCBN LicensedInstant loans from one of Nigeria's largest banks
950 reviews
Amount
₦10K - ₦5.0M
Interest
1.75-4%
Approval
Instant
Access Bank PayDay Loan
VerifiedCBN LicensedPayday loans from Africa's largest bank by customers
870 reviews
Amount
₦10K - ₦3.0M
Interest
2-4.5%
Approval
Instant
Kuda
VerifiedCBN LicensedThe free bank with instant overdrafts
890 reviews
Amount
₦1K - ₦150K
Interest
0-15%
Approval
Instant
PalmPay
VerifiedCBN LicensedQuick loans with instant approval
980 reviews
Amount
₦2K - ₦500K
Interest
5-20%
Approval
3-5 minutes
Renmoney
VerifiedCBN LicensedHigher loan limits with competitive rates for salaried Nigerians
890 reviews
Amount
₦50K - ₦6.0M
Interest
2.8-5%
Approval
24-48 hours
Zenith Bank Z-Loan
VerifiedCBN LicensedInstant loans from Nigeria's most profitable bank
680 reviews
Amount
₦10K - ₦5.0M
Interest
1.5-3.5%
Approval
Instant
ALAT by Wema
VerifiedCBN LicensedNigeria's first fully digital bank with instant loans
680 reviews
Amount
₦10K - ₦2.0M
Interest
4-12%
Approval
5-30 minutes
FairMoney
VerifiedCBN LicensedHigher loan limits for qualified borrowers
850 reviews
Amount
₦10K - ₦3.0M
Interest
3-30%
Approval
10-15 minutes
FirstBank Quick Loan
VerifiedCBN LicensedNigeria's oldest bank with modern digital loans
720 reviews
Amount
₦10K - ₦5.0M
Interest
2-4%
Approval
Instant
Moniepoint
VerifiedCBN LicensedBusiness loans for POS agents and merchants
650 reviews
Amount
₦10K - ₦5.0M
Interest
3-10%
Approval
24 hours
QuickCheck
VerifiedAI-powered instant loans with flexible repayment options
980 reviews
Amount
₦2K - ₦500K
Interest
5-30%
Approval
5-30 minutes
Stanbic IBTC Salary Advance
VerifiedCBN LicensedPremium salary loans from Stanbic IBTC
380 reviews
Amount
₦50K - ₦10.0M
Interest
1.5-3%
Approval
24-48 hours
Branch
VerifiedAI-powered instant loans with increasing limits over time
1,820 reviews
Amount
₦1K - ₦500K
Interest
5-24%
Approval
5-30 minutes
Cowrywise
VerifiedCBN LicensedSave first, borrow later at low rates
520 reviews
Amount
₦5K - ₦500K
Interest
3-10%
Approval
Instant
Credit Direct
VerifiedCBN LicensedSalary-backed loans for Nigerian workers
780 reviews
Amount
₦50K - ₦10.0M
Interest
2.5-5%
Approval
24-48 hours
Specta
VerifiedCBN LicensedSterling Bank's digital lending platform for instant personal loans
620 reviews
Amount
₦50K - ₦5.0M
Interest
2.5-4.5%
Approval
Instant to 48 hours
UBA Leo Loan
VerifiedCBN LicensedInstant loans via UBA's AI chatbot Leo
590 reviews
Amount
₦10K - ₦3.0M
Interest
2-4.5%
Approval
Instant
Aella Credit
VerifiedWorkplace loans and personal credit for Nigerian workers
750 reviews
Amount
₦5K - ₦2.0M
Interest
3-20%
Approval
Instant to 24 hours
FCMB Quick Loan
VerifiedCBN LicensedInstant salary loans from FCMB
420 reviews
Amount
₦10K - ₦3.0M
Interest
2-4%
Approval
Instant
LAPO Microfinance
VerifiedCBN LicensedNigeria's leading microfinance bank for group loans
520 reviews
Amount
₦10K - ₦2.0M
Interest
2.5-5%
Approval
2-5 days
Lidya
VerifiedCBN LicensedBusiness loans for Nigerian SMEs
280 reviews
Amount
₦50K - ₦50.0M
Interest
3-6%
Approval
24-48 hours
Payday
VerifiedCBN LicensedInstant loans and salary advances
420 reviews
Amount
₦5K - ₦500K
Interest
5-20%
Approval
5-15 minutes
Fint
VerifiedCBN LicensedPeer-to-peer lending platform
320 reviews
Amount
₦10K - ₦1.0M
Interest
4-15%
Approval
24-48 hours
KiaKia
VerifiedCBN LicensedFast loans for employed and self-employed Nigerians
290 reviews
Amount
₦5K - ₦500K
Interest
5-20%
Approval
15 minutes
Migo
VerifiedUSSD-based instant loans - no smartphone required
540 reviews
Amount
₦500 - ₦500K
Interest
5-24%
Approval
Instant
Page Financials
VerifiedCBN LicensedEmergency cash loans for employed Nigerians
380 reviews
Amount
₦10K - ₦5.0M
Interest
3-8%
Approval
2-24 hours
Paylater (Polaris)
VerifiedCBN LicensedFast loans via USSD from Polaris Bank
340 reviews
Amount
₦5K - ₦500K
Interest
5-15%
Approval
5 minutes
PalmCredit
VerifiedCBN LicensedInstant personal loans up to ₦300,000
850 reviews
Amount
₦2K - ₦300K
Interest
14-24%
Approval
5 minutes