Best Loans In Nigeria Apps

249+ iOS apps curated and reviewed

3.6 avg rating
20 free apps
Updated September 2026

Every iPhone needs a few good loans in nigeria apps. We benchmark 249+ 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 Loans In Nigeria Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Andray FinanceAndray FinanceFree1.0★ (1)NoNoJul 2026
2Credit WalletCredit WalletFree2.1★ (7)NoNoJul 2026
3Neocash MobileNeocash MobileFree3.7★ (6)NoNoSep 2026
4Zedvance: Loans & BillsZedvance: Loans & BillsFree3.5★ (186)NoNoSep 2026
5Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoAug 2026
6FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (14K)NoNoSep 2026
7MonibacMonibacFree2.7★ (61)NoNoAug 2026
8Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (131K)NoNoSep 2026

Top Picks for Loans In Nigeria

Andray Finance#1

Andray Finance by Andray Finance Limited

Borrow smart, Build strong
Editor's Choice
💰 Finance
1.0(1 ratings)
Free
Andray Finance screenshot 1
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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.

Credit Wallet#2

Credit Wallet by Princeps Credit Systems Limited

Strong Contender
💰 Finance
2.1(7 ratings)
Free
Credit Wallet screenshot 1
Credit Wallet screenshot 2
Credit Wallet screenshot 3
Credit Wallet screenshot 4
Credit Wallet screenshot 5
Credit Wallet screenshot 6

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.

Neocash Mobile#3

Neocash Mobile by Shephard Trust Bank

Powered by Shepherd Trust
Worth Considering
💰 Finance
3.7(6 ratings)
Free
Neocash Mobile screenshot 1
Neocash Mobile screenshot 2
Neocash Mobile screenshot 3
Neocash Mobile screenshot 4
Neocash Mobile screenshot 5
Neocash Mobile screenshot 6

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.

More Loans In Nigeria apps to explore

4
Zedvance: Loans & Bills
Zedvance: Loans & Bills
Zedvance: Loans & Bills
Loans, Bills and Payments
Free

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)
💰 Finance
(186)
free with in-app purchases
5
Fast Credit Mobile
Fast Credit Mobile
Fast Credit Mobile
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
(16)
free
6
FairMoney: Save, Spend, Credit
FairMoney: Save, Spend, Credit
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
(14K)
free
7
Monibac
Monibac
Monibac
Get access to loans on Monibac
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.

Collateral-free loansEarn interest on savingsLoans up to 150% of savings
💰 Finance
(61)
free with in-app purchases
8
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
(131K)
freemium
9
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
10
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

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)
💰 Finance
(10K)
free with in-app purchases
11
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
12
ONE@Work (formerly Even)
ONE@Work (formerly Even)
ONE@Work (formerly Even)
Your Pay, Your Way
Free

Access your earned wages before payday, track your income, and set up automatic savings. This app helps you manage your finances by providing tools to budget and understand your pay.

Access earned wages earlyTrack earnings per shiftAutomatic paycheck savings
💰 Finance
(160K)
free
13
Moniepoint Personal Banking
Moniepoint Personal Banking
Moniepoint Personal Banking
Savings account | Send money
Free

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
💰 Finance
(31K)
free
14
Fidelity FastLoan
Fidelity FastLoan
Fidelity FastLoan
by Fidelity Bank Plc
Free

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
💰 Finance
(29)
free
15
Borrow & Cash Advance App
Borrow & Cash Advance App
Borrow & Cash Advance App
Loans Between Paydays Fast
Free
💰 Finance
(0)
16
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
17
3kle: Banking, Loans, Payments
3kle: Banking, Loans, Payments
3kle: Banking, Loans, Payments
Digital Banking Super App
Free

Manage your finances, conduct transactions, and access various banking services with this comprehensive digital banking app. It offers features for account management, secure payments, loans, budgeting, and savings goals.

Instant account access and transaction historySecure money transfers and bill paymentsLoan and new account applications
💰 Finance
(1)
free
18
Loan In Touch
Loan In Touch
Loan In Touch
Apply for Loan easily!
Free

Apply for loans from trusted banks with competitive rates from home. Documents can be collected, loans approved, and funds credited to your account in under 72 hours.

Easy loan applicationTrusted bank partnershipsCompetitive interest rates
💰 Finance
(0)
free
19
EasyLoans: Compare Loans
EasyLoans: Compare Loans
EasyLoans: Compare Loans
Compare and Discover Loans
Free

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
💰 Finance
(398)
free
20
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
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
💰 Finance
(165)
free

FAQ about Loans In Nigeria

What are the best loans in nigeria apps for iPhone?
Andray Finance tops our loans in nigeria apps ranking as of September 2026, with a 1.0-star average from 1 App Store ratings, and it's free to download.
Yes — 20 of the top loans in nigeria apps we rank are free to download, including Andray Finance and Credit Wallet.
Andray Finance has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 249+ loans in nigeria apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
Andray Finance allows users to apply for loans ranging from ₦10,000 to ₦5,000,000. The specific amount approved depends on individual creditworthiness and other factors.
Andray Finance upholds high standards of privacy. Your employer and contacts will not be contacted, and all customer data is protected in accordance with the Nigerian Data Protection Regulation (NDPR).