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Monibac

Monibac

Get access to loans on Monibac

87 ratings
28 reviews
💰 Finance
Free

Details

Released
June 1, 2023
Updated
October 17, 2026

Features

Developer

Prime Zone Limited
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About

Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

✓Collateral-free loans
✓Earn interest on savings
✓Loans up to 150% of savings
✓Transparent loan terms
✓Monthly repayment reminders
✓Lock savings for interest
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What's New in Monibac

1.6.5

October 17, 2026

- UI updates

User reviews

Most RecentHighest RatedLowest Rated

Not impressed

I can’t even register saying invalid password
OTOLABANJI tiger

Not working

Password can’t be created
Not functioning properly 🤬
LLeoMamalion

I hate u

U can allow me to withdraw wicked app
JJesuyon15

Scam !

So I can’t delete my account?
Kkimoagpoon

Thifes , they stole my money

I transfer money from my PalmPay account to my Monibec account 10000 naira, till date I haven’t seen anything. I need my money back. Apple should blacklist this app and any other platforms. Real scammers
OOzumba888
See 23 more reviews

FAQ

What does Monibac do?

Monibac is a finance app that provides users with access to collateral-free loans and allows them to save money while earning interest. Users can easily deposit, withdraw funds, and receive reminders for loan repayments.

How can I get a loan from Monibac?

To be eligible for a loan, you must be over 18, live in Nigeria, and have saved on the platform for at least three months. After three months, you can request a loan of up to 150% of your total savings. Loan approval involves completing KYC documents and e-signing an agreement.

What are the costs associated with Monibac?

There are no charges on deposits or loans. The app offers loan interest rates based on tenure, with 9% for 90 days and 15% for 180 days. The APR ranges from 30.4% to 36.5%.

What are the eligibility requirements for Monibac?

To use Monibac, you must be over 18 years old, reside in Nigeria, and have maintained savings on the platform for a minimum of three months. These criteria ensure responsible lending and access to financial services.

How does saving work on Monibac?

You can save money on Monibac and earn interest. For example, saving for 3 months yields 3% of your savings, while saving for 6 months yields 5%. You can also lock your savings for specified periods to earn additional returns.