Best App To Borrow Money In Nigeria

250+ iOS apps curated and reviewed

3.7 avg rating
20 free apps
Updated August 2026

Out of 250+ app to borrow money in nigeria on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top App To Borrow Money In Nigeria (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoAug 2026
2FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (14K)NoNoAug 2026
3MonibacMonibacFree2.7★ (61)NoNoAug 2026
4Andray FinanceAndray FinanceFree1.0★ (1)NoNoJul 2026
5Credit WalletCredit WalletFree2.1★ (7)NoNoJul 2026
6Bright: Loans & Credit BuilderBright: Loans & Credit BuilderFree4.8★ (258K)YesNoAug 2026
7Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (132K)NoNoAug 2026
8Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (41K)NoNoAug 2026

Top Picks for App To Borrow Money In Nigeria

Fast Credit Mobile#1

Fast Credit Mobile by FASTCREDIT LIMITED

Editor's Choice
💰 Finance
3.1(16 ratings)
Free
Fast Credit Mobile screenshot 1
Fast Credit Mobile screenshot 2
Fast Credit Mobile screenshot 3
Fast Credit Mobile screenshot 4
Fast Credit Mobile screenshot 5

Access quick loans and smart investment opportunities with this financial services app. It offers transparent processes, fast approvals, and secure transactions for individuals in Nigeria. Grow your wealth and manage your finances conveniently.

FairMoney: Save, Spend, Credit#2

FairMoney: Save, Spend, Credit by FAIRMONEY MICROFINANCE BANK LIMITED

Instant Loan App For Fast Cash
Strong Contender
💰 Finance
4.6😐(14K ratings)
Free
FairMoney: Save, Spend, Credit screenshot 1
FairMoney: Save, Spend, Credit screenshot 2
FairMoney: Save, Spend, Credit screenshot 3
FairMoney: Save, Spend, Credit screenshot 4
FairMoney: Save, Spend, Credit screenshot 5
FairMoney: Save, Spend, Credit screenshot 6

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

What We Love

  • 🚀 Fast and easy loan process
  • 👍 Reliable and trustworthy
  • 💯 Smooth and seamless experience

Room to Improve

  • 💰 High interest rates
  • 🔍 Inconsistent loan offers
  • 📞 Aggressive repayment reminders
Monibac#3

Monibac by Prime Zone Limited

Get access to loans on Monibac
Worth Considering
💰 Finance
2.7(61 ratings)
Free
Monibac screenshot 1
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Monibac screenshot 3
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Monibac screenshot 5

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.

More App To Borrow Money In Nigeria apps to explore

4
Andray Finance
Andray Finance
Andray Finance
Borrow smart, Build strong
Free

This digital lending platform offers quick and transparent loans to salaried professionals, entrepreneurs, and gig workers in Nigeria. It provides instant access to funds, easy repeat borrowing, and loan growth opportunities based on responsible repayment. The service prioritizes privacy and automated, secure transactions.

Instant loan access up to ₦5,000,000Streamlined, paperwork-free applicationEasy repeat borrowing
💰 Finance
(1)
free
5
Credit Wallet
Credit Wallet
Credit Wallet
by Princeps Credit Systems Limited
Free

Access flexible loan products designed for employees through employer partnerships. Manage your finances with repayment options ranging from 2 to 12 months and competitive interest rates. Secure your personal information with robust data protection measures.

Employee loan accessFlexible repayment termsCompetitive interest rates
💰 Finance
(7)
free
6
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
7
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(132K)
freemium
8
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Money for moments that matter
Free

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(41K)
free
9
LendPal - Borrow & Lend Money + Items to Friends
LendPal - Borrow & Lend Money + Items to Friends
LendPal - Borrow & Lend Money + Items to Friends
by Codemotion
Free

Easily track money and items lent or borrowed among friends, family, and roommates. Set reminders to ensure nothing is forgotten and settle debts with a simple swipe.

Track lent itemsTrack lent moneySet item reminders
💰 Finance
(614)
free
10
BillsJet App
BillsJet App
BillsJet App
Instant utility payment
Free

Manage your finances and pay bills conveniently with this secure digital wallet. Fund your account easily and use it to pay for essential services like airtime, data, and utilities. Designed for individuals and businesses in Nigeria.

Secure digital walletConvenient bill paymentsFund wallet via bank transfer/card
💰 Finance
(1)
free
11
eLendly
eLendly
eLendly
Gift, Lend, Borrow and Invest
Free

Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.

Automate subscriptionsLend and borrow with friendsTrack finances
💰 Finance
(49)
free
12
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
Cashback rewards & Loan Offers
Free

Access mobile banking, personal finance tools, and cash advances. Earn cashback rewards and explore loan offers. Build credit with a membership and get paid up to two days early with direct deposit.

Mobile banking with early direct depositCash advances up to $1000Cashback rewards on spending
💰 Finance
(324K)
free with in-app purchases
13
Hometown - Banking Solution
Hometown - Banking Solution
Hometown - Banking Solution
Pay, Save, Get a loan, Spend
Free

Manage your finances with an all-in-one banking solution. Easily send and receive money, pay bills, grow savings with high interest, and access instant loans. Book flights, recharge airtime, and invest for the future, all from your mobile device.

Send and receive moneyPay bills for servicesGrow savings with interest
💰 Finance
(667)
free
14
Neocash Mobile
Neocash Mobile
Neocash Mobile
Powered by Shepherd Trust
Free

This app provides quick and easy access to personal loans for Lagos State residents. Apply for amounts between ₦5,000 and ₦5,000,000 with flexible repayment terms and no collateral required for most loans. Funds are credited upon approval.

Loan amounts from ₦5,000 to ₦5,000,000Flexible repayment periodsFast loan approval and disbursement
💰 Finance
(2)
ad-supported
15
Borrow & Cash Advance App
Borrow & Cash Advance App
Borrow & Cash Advance App
Loans Between Paydays Fast
Free
💰 Finance
(0)
16
Firmus Monie App
Firmus Monie App
Firmus Monie App
Firmus Monie Mobile App
Free

This app offers financial solutions for Nigerians, including easy access to loans, savings, and investment opportunities. It aims to be a trusted retail financial partner for managing everyday financial needs.

Access loans easilySave moneyInvest and grow finances
💰 Finance
(0)
free
17
Kiakia P2P
Kiakia P2P
Kiakia P2P
You fund. We invest. You earn.
Free

Invest in loans and businesses to earn high returns, or access fast, competitive loans. This platform connects investors with borrowers, facilitating funding with minimal bureaucracy. Earn interest or share profits on your capital.

Invest in loans and businessesEarn 12%-40% returnsAccess personal and business loans
💰 Finance
(18)
free
18
EarnIT.ng
EarnIT.ng
EarnIT.ng
Earn, Pay Bills, Boost, Trade
Free
💰 Finance
(0)
19
SoBo: Something Borrowed
SoBo: Something Borrowed
SoBo: Something Borrowed
Borrow. Lend. Keep track.
Free

Easily lend and borrow physical items with people in your community. Track every step of the loan process, from agreement to return, with automatic reminders and reviews to build trust. Save money by borrowing instead of buying and put your unused items to work.

Permanent loan ledgerAutomatic return remindersIn-app chat for loans
🌟 Lifestyle
(1)
free
20
Owoche – Send Money, Pay Bills
Owoche – Send Money, Pay Bills
Owoche – Send Money, Pay Bills
Send, Pay, Earn & Protect
Free
💰 Finance
(0)

FAQ about App To Borrow Money In Nigeria

What is the best app to borrow money in nigeria for iPhone?
Fast Credit Mobile tops our app to borrow money in nigeria ranking as of August 2026, with a 3.1-star average from 16 App Store ratings, and it's free to download.
Yes — 20 of the top app to borrow money in nigeria we rank are free to download, including Fast Credit Mobile and FairMoney: Save, Spend, Credit.
Fast Credit Mobile has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ app to borrow money in nigeria on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Fast Credit offers loan amounts ranging from ₦50,000 up to ₦5,000,000. The repayment periods vary from 3 months to 24 months, with monthly interest rates of up to 5.5%.
No, Fast Credit provides loans with no collateral required. The app emphasizes fast approvals, minimal verification, and quick disbursements directly to your bank account.