Best Naija Loan Apps

202+ iOS apps curated and reviewed

3.6 avg rating
20 free apps
Updated June 2026

Neocash Mobile is the household name in naija loan, but it's far from the only option. We track 202+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Top Picks for Naija Loan

Neocash Mobile#1

Neocash Mobile by Shephard Trust Bank

Powered by Shepherd Trust
Editor's Choice
💰 Finance
2.9(11 ratings)
FreeAds
Neocash Mobile screenshot 1
Neocash Mobile screenshot 2
Neocash Mobile screenshot 3
Neocash Mobile screenshot 4
Neocash Mobile screenshot 5

NeoCash Mobile is a convenient app that provides quick and easy loans ranging from ₦5,000 to ₦5,000,000 for Lagos State residents without the need for collateral or guarantors. With NeoCash, you can apply for a loan in less than five minutes, choose your payment tenure, and enjoy a secure and reliable loan experience. Download the app now to access fast financial assistance.

eLendly#3

eLendly by Elendly Limited

Gift, Lend, Borrow and Invest
Worth Considering
💰 Finance
2.2(49 ratings)
Free
eLendly screenshot 1
eLendly screenshot 2
eLendly screenshot 3
eLendly screenshot 4
eLendly screenshot 5

Automate your subscriptions, lend and borrow from friends, and track your finances with this all-in-one financial management tool. Take control of your money and simplify your financial relationships with others.

More Naija Loan apps to explore

4
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

An innovative mobile banking app that enables users to manage their finances seamlessly, offering features like account monitoring, fund transfers, and bill payments. Experience convenient banking on-the-go with just a few taps.

💰 Finance
(10K)
5
Kredi – Loan, Savings & Bills
Kredi – Loan, Savings & Bills
Kredi – Loan, Savings & Bills
Save, pay bills, & get loan
Free

With Kredi, meet all your banking needs efficiently and securely. Open accounts, save money, apply for loans, fund accounts, make transfers, pay bills, and top-up airtime seamlessly. Start banking with Kredi today!

💰 Finance
(120)
6
Zedvance: Loans & Bills
Zedvance: Loans & Bills
Zedvance: Loans & Bills
Loans, Bills and Payments
Free

Get instant access to loans, bill payments, and mobile wallet services with a dedicated financial app that offers quick and secure solutions for individuals and businesses. Download the app, sign up, and start enjoying 24/7 access to credit with no hidden fees and real-time alerts.

💰 Finance
(171)
7
Monibac
Monibac
Monibac
Get access to loans on Monibac
Free

Access loans without collateral, save with interest, and easily manage funds with the Monibac app. Get up to 150% of your savings as a loan, no charges on deposits or loans, and personalized repayment reminders. Install, register, save, and start benefiting today!

💰 Finance
(61)
8
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

Get quick online loans easily with just a few taps using this efficient app. Instantly access the funds you need, hassle-free – try it now!

💰 Finance
(14K)
9
Fast Credit Mobile
Fast Credit Mobile
Fast Credit Mobile
by FAST CREDIT LIMITED
Free
💰 Finance
(14)
10
Credit Wallet
Credit Wallet
Credit Wallet
by Princeps Credit Systems Limited
Free

This financial services application provides employees with flexible loan options and repayment plans, helping them take control of their finances with loan amounts ranging from ₦30,000 to ₦1,500,000 and interest rates from 2% - 7.5% per month. Download the app to access loans with easy repayment arrangements and enjoy a secure user experience with protected personal information.

💰 Finance
(7)
11
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Kuda is a financial app that offers free money transfers, savings, and bill payments. It provides easy access to banking services without hidden fees. Download now to simplify your finances.

💰 Finance
(133K)
12
Andray Finance
Andray Finance
Andray Finance
Borrow smart, Build strong
Free
💰 Finance
(1)
13
PayMe - Personal loan app
PayMe - Personal loan app
PayMe - Personal loan app
Instant personal loan app
Free

Get instant personal loans of up to Rs. 2 Lakh with flexible repayment options and quick approvals through this app. Register now and receive the desired amount directly into your bank account with a 100% paperless process.

💰 Finance
(27)
14
Fidelity FastLoan
Fidelity FastLoan
Fidelity FastLoan
by Fidelity Bank Plc
Free

This application allows users to process micro loans instantly, with disbursement within 2 minutes and flexible repayment options. It provides a convenient way to access loans without requiring documentation, collateral, or a bank visit.

💰 Finance
(29)
15
EasyLoans: Compare Loans
EasyLoans: Compare Loans
EasyLoans: Compare Loans
Compare and Discover Loans
Free

Compare and discover various loan options from different financial institutions, including home, vehicle, gold, consumer durable, personal, and business loans, with features to check eligibility, compare offers, and apply online. Download the app to find the best loan deals and get personalized offers from across different banks and NBFCs.

💰 Finance
(398)
16
Moniepoint Personal Banking
Moniepoint Personal Banking
Moniepoint Personal Banking
Savings account | Send money
Free

Moniepoint Personal Banking simplifies personal financial management by offering secure mobile banking, instant money transfers, bill payments, and easy airtime purchase. With features like debit card services, savings plans, and seamless issue resolution, Moniepoint ensures a convenient and safe banking experience. Sign up today for hassle-free banking on the go!

💰 Finance
(28K)
17
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Helping you borrow, better.
Free

An app that helps you manage personal loans efficiently: make payments, check loan status, set up recurring payments, access FAQs, contact support, and more. Existing customers can log in, while new loan applications can be made on the website. Borrow money with competitive rates, no prepayment fees, and flexible terms.

💰 Finance
(33K)
18
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

Access a comprehensive financial management solution in the palm of your hand with this app. From loans to cards and payments, streamline your banking experience seamlessly.

💰 Finance
(63K)
19
AES Student Loans
AES Student Loans
AES Student Loans
by Avereo
Free

Manage your student loans effortlessly with the AES Student Loans app! Access your account, view loan details, make payments, manage Direct Debit, and plan for successful loan repayment all in one place. Download now for seamless loan management.

💰 Finance
(16K)
20
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
Borrow money, loans, advances
Free

Possible: Fast Cash is a mobile app that provides quick and easy short-term loans to users in need of urgent financial assistance. Simply download the app, apply for a loan, and receive funds directly into your account within minutes.

💰 Finance
(130K)