Best Loan App In Nigeria

246+ iOS apps curated and reviewed

3.5 avg rating

20 free apps

Updated October 2026

Every iPhone needs a few good loan app in nigeria. We benchmark 246+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Loan App In Nigeria (October 2026)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	Monibac	Free	2.8★ (87)	No	No	Oct 2026
2	Andray Finance	Free	1.8★ (5)	No	No	Oct 2026
3	eLendly	Free	2.7★ (106)	No	No	Oct 2026
4	Neocash Mobile	Free	3.7★ (6)	No	No	Oct 2026
5	Kuda - Free transfer & payment	Free	4.7★ (130K)	No	No	Oct 2026
6	Bright: Loans & Credit Builder	Free	4.8★ (284K)	No	No	Oct 2026
7	Borrow Money Fast - Loan Calc	Free	4.5★ (591)	Yes	No	Oct 2026
8	FairMoney: Save, Spend, Credit	Free	4.6★ (15K)	No	No	Oct 2026

Top Picks for Loan App In Nigeria

Monibac by Prime Zone Limited

Get access to loans on Monibac

Editor's Choice

💰 Finance

2.8(87 ratings)

Free

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 by Andray Finance Limited

Borrow smart, Build strong

Strong Contender

💰 Finance

1.8(5 ratings)

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.

eLendly by Elendly Limited

Gift, Lend, Borrow and Invest

Worth Considering

💰 Finance

2.7(106 ratings)

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.

More Loan App In Nigeria apps to explore

Neocash Mobile

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

(6)

ad-supported

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

(130K)

freemium

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

(284K)

subscription

Borrow Money Fast - Loan Calc

Instant Loan & EMI Calculator

Free

Instantly calculate loan EMIs, interest, and repayment schedules. Plan personal and business finances with smart insights and educational tools to make informed borrowing decisions.

Instant EMI calculationPersonal loan planningBusiness loan calculations

💰 Finance

(591)

ad-supported

FairMoney: Save, Spend, Credit

Instant Loan App For Fast Cash

Free

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.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest

💰 Finance

(15K)

free

P2Vest - Loan & Insurance App

P2P Lending | Buy Insurance

Free

Connects borrowers seeking loans directly with lenders, streamlining the traditional lending process. Users can apply for loans, receive funds, or invest by lending to others. Offers flexible repayment terms and requires KYC for increased loan limits.

Direct borrower-lender connectionLoan application and disbursementLending investment opportunities

This finance app enables users to apply for and receive micro loans quickly. It offers instant disbursement within minutes, with flexible repayment options. No documentation, collateral, or bank visits are required.

Instant micro loan disbursementLoan repayment optionsNo documentation required

Access and manage your money with this financial services app. Apply for credit, fund your wallet, and pay bills like electricity and data seamlessly. It offers a secure and transparent platform for everyday financial needs.

Apply for loansManage digital walletPay bills (electricity, data, airtime)

💰 Finance

(1)

free

Quick Loans - Cash Loan Calc

Personal Loan emi calculator

Free

This app helps you understand loan basics before borrowing. It guides you through loan types like personal, home, education, and business loans with an EMI calculator and eligibility estimator. Get insights into your borrowing capacity and monthly budget fit.

Loan guides for personal, home, education, businessEMI calculatorEligibility estimator

💰 Finance

(29)

ad-supported

RegentMFB – Lifestyle Banking

by Regent Microfinance Bank LTD

Personal and Business Banking

Student Loan Guide & Companion

Free

📚 Education

(0)

Loan App: Lend & Borrow

Ocean Finance Secured Loan

Simple, quick and secure.

Free

Manage your secured loan or mortgage application through a secure messaging service. Features facial recognition for identity verification and encrypted communication with your case manager. Track application progress and upload documents 24/7.

Secure messaging with case managerFacial recognition for identity verificationElectronic document signing

Pay, Shop, Deliver & AI Help

by THE SCIART FINANCE COMPANY LIMITED

by FASTCREDIT LIMITED

Free

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.

Quick loans up to ₦5,000,000Flexible repayment plansFast approvals and disbursements

💰 Finance

(22)

free

FAQ about Loan App In Nigeria

What is the best loan app in nigeria for iPhone?

Monibac tops our loan app in nigeria ranking as of October 2026, with a 2.8-star average from 87 App Store ratings, and it's free to download.

Are there free loan app in nigeria for iPhone?

Yes — 20 of the top loan app in nigeria we rank are free to download, including Monibac and Andray Finance.

Does Monibac have ads or in-app purchases?

Monibac has no ads and has no in-app purchases, according to its App Store listing as of October 2026.

How many loan app in nigeria are on the App Store?

We track 246+ loan app in nigeria on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.