Best Loan Apps In Nigeria

244+ iOS apps curated and reviewed

3.6 avg rating

20 free apps

Updated September 2026

Looking for free loan apps in nigeria? 20 of our 244+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Loan Apps In Nigeria (September 2026)

#	App	Price	Rating	Ads	In-App Purchases	Updated
1	Fast Credit Mobile	Free	3.1★ (16)	No	No	Sep 2026
2	FairMoney: Save, Spend, Credit	Free	4.6★ (14K)	No	No	Sep 2026
3	Monibac	Free	2.7★ (61)	No	No	Aug 2026
4	LendFlow	Free	—	No	Yes	Jul 2026
5	EasyLoans: Compare Loans	Free	3.6★ (398)	No	No	Sep 2026
6	eLendly	Free	2.2★ (49)	No	No	Sep 2026
7	Andray Finance	Free	1.0★ (1)	No	No	Sep 2026
8	LAPO Mobile App	Free	2.4★ (35)	No	No	Aug 2026

Top Picks for Loan Apps In Nigeria

#1

Fast Credit Mobile by FASTCREDIT LIMITED

Editor's Choice

💰 Finance

3.1(16 ratings)

Free

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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.

#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

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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

#3

Monibac by Prime Zone Limited

Get access to loans on Monibac

Worth Considering

💰 Finance

2.7(61 ratings)

Free

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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 Loan Apps In Nigeria apps to explore

by DEVLOOPS SOFTWARE NEPAL

EasyLoans: Compare Loans

EasyLoans: Compare Loans

EasyLoans: Compare Loans

Compare and Discover Loans

Easily compare a wide range of financial products including home, vehicle, personal, and business loans from various institutions. This platform helps you check eligibility, compare offers with interest rates and tenures, and even fill out loan applications online.

Compare Home LoansCompare Vehicle LoansCompare Personal Loans

Gift, Lend, Borrow and Invest

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

Borrow smart, Build strong

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

LAPO Mobile App

LAPO Mobile App

LAPO Mobile App

Manage your finances on the go with this banking app. It offers self-onboarding, bill payments, transfers, and airtime purchases. Monitor your account and activities with ease.

Self-OnboardingBill PaymentsTransfers

Powered by Shepherd Trust

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

Carbon: Mobile Banking & Loans

Carbon: Mobile Banking & Loans

Carbon: Mobile Banking & Loans

Save Money|Transfers| Loans

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)

free with in-app purchases

Quick Loan - Credit Cash Calc

Quick Loan - Credit Cash Calc

Quick Loan - Credit Cash Calc

Instant loan EMI Planner

This personal finance education app helps users understand various loan types, estimate monthly payments, and make informed borrowing decisions. It offers educational content on loan categories, eligibility, and responsible borrowing, along with tools for EMI calculation and loan comparison.

Loan type educationMonthly repayment estimationLoan eligibility assessment

Cash Loan: Loan Emi Calculator

Cash Loan: Loan Emi Calculator

Cash Loan: Loan Emi Calculator

Personal Instant Loan Guide

This financial planning tool helps users understand and compare various loan options. It offers calculators for EMIs, insights into credit scores, and educational guides for different loan types. The app provides general market information for loans but does not facilitate actual loan applications.

Smart EMI CalculatorLoan Navigator for various loan typesCredit Score Insights

Borrow Money Fast: Loan Calc

Borrow Money Fast: Loan Calc

Borrow Money Fast: Loan Calc

by JAYSUKHBHAI BARVALIYA

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

Kuda - Free transfer & payment

Kuda - Free transfer & payment

Kuda - Free transfer & payment

Pay, save & invest money

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

Zedvance: Loans & Bills

Zedvance: Loans & Bills

Zedvance: Loans & Bills

Loans, Bills and Payments

Access quick loans for unexpected expenses or personal aspirations with flexible repayment terms. Easily pay bills like airtime and electricity, and manage your money conveniently on the go. Enjoy secure, transparent financial solutions with 24/7 access and real-time alerts.

Quick loans for unplanned expensesSalary loans with up to 18-month repaymentBill payments (airtime, electricity, data)

free with in-app purchases

Fidelity FastLoan

Fidelity FastLoan

Fidelity FastLoan

by Fidelity Bank Plc

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

PayMe - Personal loan app

PayMe - Personal loan app

PayMe - Personal loan app

Instant personal loan app

This app provides instant personal loans for salaried individuals in India, with amounts ranging from Rs. 2,000 to Rs. 2 Lakh. It offers a 100% paperless process, flexible repayment options, and quick approvals, with funds disbursed directly to your bank account.

100% paperless processLoans up to Rs. 2 LakhFlexible repayment options

free with in-app purchases

Bright: Loans & Credit Builder

Bright: Loans & Credit Builder

Bright: Loans & Credit Builder

AI Loan Asst > Credit & Loans

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

Moniepoint Personal Banking

Moniepoint Personal Banking

Moniepoint Personal Banking

Savings account | Send money

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

Open bank account instantlySend and receive money fastEarn up to 18% interest on savings

Build credit with your card

Access fairer credit, build a credit score, and manage repayments with greater control. Apply for credit, get approved for a card with a starting limit, and spend now to repay later. Extend due dates for a fee and track your credit score to grow your limit.

Apply for creditCredit assessmentAccess Ohere card

FAQ about Loan Apps In Nigeria

What are the best loan apps in nigeria for iPhone?

Fast Credit Mobile tops our loan apps in nigeria ranking as of September 2026, with a 3.1-star average from 16 App Store ratings, and it's free to download.

Are there free loan apps in nigeria for iPhone?

Yes — 20 of the top loan apps in nigeria we rank are free to download, including Fast Credit Mobile and FairMoney: Save, Spend, Credit.

Does Fast Credit Mobile have ads or in-app purchases?

Fast Credit Mobile has no ads and has no in-app purchases, according to its App Store listing as of September 2026.

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

We track 244+ loan apps in nigeria on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.

What is the maximum loan amount offered by Fast Credit?

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%.

Does Fast Credit require collateral for loans?

No, Fast Credit provides loans with no collateral required. The app emphasizes fast approvals, minimal verification, and quick disbursements directly to your bank account.