Best App To Borrow Money In Nigeria

249+ iOS apps curated and reviewed

3.9 avg rating
20 free apps
Updated September 2026

Out of 249+ 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 (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1MonibacMonibacFree2.7★ (61)NoNoAug 2026
2Andray FinanceAndray FinanceFree1.0★ (1)NoNoSep 2026
3FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (14K)NoNoSep 2026
4Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoSep 2026
5Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (131K)NoNoSep 2026
6Core by PrincepsCore by PrincepsFreeNoNoAug 2026
7Upstart: Personal Loans + MoreUpstart: Personal Loans + MoreFree4.9★ (43K)NoNoSep 2026
8Bright: Loans & Credit BuilderBright: Loans & Credit BuilderFree4.8★ (258K)YesNoSep 2026

Top Picks for App To Borrow Money In Nigeria

Monibac#1

Monibac by Prime Zone Limited

Get access to loans on Monibac
Editor's Choice
💰 Finance
2.7(61 ratings)
Free
Monibac screenshot 1
Monibac screenshot 2
Monibac screenshot 3
Monibac screenshot 4
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.

Andray Finance#2

Andray Finance by Andray Finance Limited

Borrow smart, Build strong
Strong Contender
💰 Finance
1.0(1 ratings)
Free
Andray Finance screenshot 1
Andray Finance screenshot 2
Andray Finance screenshot 3
Andray Finance screenshot 4

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.

FairMoney: Save, Spend, Credit#3
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
  • 🔒 Restricted access to account/funds

More App To Borrow Money In Nigeria apps to explore

FAQ about App To Borrow Money In Nigeria

What is the best app to borrow money in nigeria for iPhone?
Monibac tops our app to borrow money in nigeria ranking as of September 2026, with a 2.7-star average from 61 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 Monibac and Andray Finance.
Monibac has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 249+ app to borrow money in nigeria on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
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.
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.