Best apps like Umba

32+ similar apps compared and reviewed

3.1 avg rating
10 free apps
Updated July 2026

Looking for something like Umba? We've analyzed 32+ similar apps to help you find the best alternative. Each app is compared by ratings, features, and real user reviews, so you can make the right choice.

Top Alternatives to Umba

Kredi – Loan, Savings & Bills#1

Kredi – Loan, Savings & Bills by KREDI MONEY MICROFINANCE BANK LIMITED

Save, pay bills, & get loan
Editor's Choice
💰 Finance
3.0😐(120 ratings)
Free
Kredi – Loan, Savings & Bills screenshot 1
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Kredi – Loan, Savings & Bills screenshot 4
Kredi – Loan, Savings & Bills screenshot 5

Manage your finances with this all-in-one Nigerian finance app. It offers instant loans, automated savings with competitive interest rates, and seamless bill payments. You can also transfer money, receive payments, and get insurance for your devices and health.

What We Love

  • 🚀 Fast and reliable services
  • 👍 User-friendly interface
  • 💡 Easy to use
  • ✅ Nice banking platform

Room to Improve

  • ❌ Invalid account errors
  • 📉 Loan eligibility issues
  • 🚫 No customer care response
YesCredit - Quick Loan#2

YesCredit - Quick Loan by YesCredit Company Limited

Quick and Affordable Loan
Strong Contender
💰 Finance
2.4(18 ratings)
Free
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Access quick and affordable loans directly from your mobile device. The application process is fast, requiring only a few seconds to sign up and apply. Funds are deposited directly into your account, offering a convenient solution for immediate financial needs.

Arvofinance#3

Arvofinance by Oliver Mead Investment Ltd

Access to loan and investment
Worth Considering
💰 Finance
4.0😞(451 ratings)
Free
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This fintech solution offers fast, unsecured loans to underbanked Nigerians through a simple application process. Leveraging efficient technology, it guarantees loan disbursement within 24 hours, bridging the gap in consumer finance.

What We Love

  • 🚀 Fast loan approval and disbursement
  • 💰 Accessible loan amounts for users
  • 👍 Straightforward and easy-to-use interface
  • 🤝 Helpful customer service (when responsive)

Room to Improve

  • 📧 Non-responsive customer service and email support
  • ⏱️ Slow loan clearance after repayment (2-3 days)
  • 💳 Unauthorized or duplicate charges on accounts

More apps like Umba

4
CarrotPay - Instant loans
CarrotPay - Instant loans
CarrotPay - Instant loans
by CARROTPAY LIMITED
Free

Quickly access short-term loans for immediate needs. Apply in minutes, get cash fast, and manage repayments easily. Build your credit history with responsible borrowing.

Instant loan applicationFast cash disbursementFlexible repayment terms
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5
Aella App
Aella App
Aella App
Quick and easy money solutions
Free

This app simplifies financial management for individuals and businesses. It offers loans, investments, bill payments, micro-insurance, and peer-to-peer transfers to promote financial independence. It utilizes location services for address verification to unlock higher transaction limits.

LoansInvestmentsBill payments
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6
Blocka Cash
Blocka Cash
Blocka Cash
Blocka Cash - Instant loans
Free

Access instant loans directly on your smartphone without lengthy queues or paperwork. Apply in seconds and receive funds directly into your wallet. Offers short-term personal loans with flexible repayment terms.

Instant loan accessSmartphone applicationNo paperwork required
💰 Finance
(136)
free with in-app purchases
7
Kwikee - Credit and Savings
Kwikee - Credit and Savings
Kwikee - Credit and Savings
by MONEYMARQUE FINANCE LIMITED
Free

Access instant funds with a digital credit card and easily save money with various options. Manage your finances conveniently with features designed to improve your lifestyle.

Instant digital credit card accessSalary-based credit withdrawalAutomatic repayment via bank card
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(10)
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8
Irorun - Fast loans with ease
Irorun - Fast loans with ease
Irorun - Fast loans with ease
by Lending Technologies Limited
Free

Quickly access online loans and manage your savings from your smartphone. Automate your savings plans, earn interest, and withdraw funds to any bank account. Offers digital address verification for loan scoring and 24/7 support.

Apply for loans onlineAutomate savings plansEarn interest on savings
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9
Page Financials
Page Financials
Page Financials
by Page International Financial Company Limited
Free

Manage your finances on the go with this app. Request new loans, top up existing ones, and transfer funds directly from your account. Stay connected to all your account activities with ease.

Request new loansTop up current loansTransfer funds
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(62)
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10
Zole: Send & Receive Money Now
Zole: Send & Receive Money Now
Zole: Send & Receive Money Now
Fastest money transfer app
Free

This app facilitates quick and secure international money transfers, specifically to Nigeria. Users can send and receive funds with ease, utilizing advanced encryption for data and fund protection. It offers a free and instant way to remit money to Nigerian bank accounts or directly to friends and family.

Send money internationally to NigeriaInstant fund transfersRequest money easily
💰 Finance
(19)
free