Best Naira Loan Apps

79+ iOS apps curated and reviewed

3.3 avg rating
20 free apps
Updated July 2026

Out of 79+ naira loan apps 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 Naira Loan Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Neocash MobileNeocash MobileFree3.0★ (2)NoNoJul 2026
2MonibacMonibacFree2.7★ (61)NoNoJul 2026
3Kredi – Loan, Savings & BillsKredi – Loan, Savings & BillsFree3.0★ (120)NoNoJul 2026
4Andray FinanceAndray FinanceFree1.0★ (1)NoNoJul 2026
5Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoJul 2026
6FairMoney: Loan App In NigeriaFairMoney: Loan App In NigeriaFree4.6★ (14K)NoNoJul 2026
7Zedvance: Loans & BillsZedvance: Loans & BillsFree3.5★ (177)YesNoJul 2026
8Credx FinanceCredx FinanceFree1.0★ (1)NoNoJul 2026

Top Picks for Naira Loan

Neocash Mobile#1

Neocash Mobile by Shephard Trust Bank

Powered by Shepherd Trust
Editor's Choice
💰 Finance
3.0(2 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.

Monibac#2

Monibac by Prime Zone Limited

Get access to loans on Monibac
Strong Contender
💰 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.

Kredi – Loan, Savings & Bills#3

Kredi – Loan, Savings & Bills by KREDI MONEY MICROFINANCE BANK LIMITED

Save, pay bills, & get loan
Worth Considering
💰 Finance
3.0😐(120 ratings)
Free
Kredi – Loan, Savings & Bills screenshot 1
Kredi – Loan, Savings & Bills screenshot 2
Kredi – Loan, Savings & Bills screenshot 3
Kredi – Loan, Savings & Bills screenshot 4
Kredi – Loan, Savings & Bills screenshot 5

Manage your finances with this all-in-one Nigerian finance app. It offers instant loans, automated savings with competitive interest rates, and seamless bill payments. You can also transfer money, receive payments, and get insurance for your devices and health.

What We Love

  • 🚀 Fast and reliable services
  • 👍 User-friendly interface
  • 💡 Easy to use
  • ✅ Nice banking platform

Room to Improve

  • ❌ Invalid account errors
  • 📉 Loan eligibility issues
  • 🚫 No customer care response

More Naira Loan apps to explore

4
Andray Finance
Andray Finance
Andray Finance
Borrow smart, Build strong
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.

Instant loan access up to ₦5,000,000Streamlined, paperwork-free applicationEasy repeat borrowing
💰 Finance
(1)
free
5
Fast Credit Mobile
Fast Credit Mobile
Fast Credit Mobile
by FAST CREDIT 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: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
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
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
(177)
free with in-app purchases
8
Credx Finance
Credx Finance
Credx Finance
Get salary advances
Free

This app offers quick, affordable salary advances to employees of partner organizations. It provides a fully digital process for applications, approvals, and fund disbursement, with repayments linked to salary deductions. The service aims to offer financial flexibility without collateral or guarantors.

Instant access to low-interest loansAutomated salary deductionsNo hidden fees or paperwork
💰 Finance
(1)
free
9
Ohere Credit
Ohere Credit
Ohere Credit
Build credit with your card
Free

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
💰 Finance
(2)
free
10
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
11
Credit Wallet
Credit Wallet
Credit Wallet
by Princeps Credit Systems Limited
Free

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.

Employee loan accessFlexible repayment termsCompetitive interest rates
💰 Finance
(7)
free
12
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(64K)
free
13
PayMe - Personal loan app
PayMe - Personal loan app
PayMe - Personal loan app
Instant personal loan app
Free

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
💰 Finance
(31)
free with in-app purchases
14
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
15
Make Money - Earn Easy Cash
Make Money - Earn Easy Cash
Make Money - Earn Easy Cash
Get paid real cash!
Free

Earn real cash by completing simple tasks like surveys, testing services, and giving opinions. Accumulate credit rewards and redeem them for actual money. It's a quick, easy, and fun way to supplement your income.

Complete simple tasksEarn real cashTake surveys
🌟 Lifestyle
(566K)
ad-supported
16
LoanTap
LoanTap
LoanTap
Bringing Dreams to Life
Free

Access fast, flexible personal loans designed for salaried professionals. Choose from various repayment plans to suit your financial needs and get funds quickly with minimal documentation. Apply digitally from anywhere.

Fast loan disbursal (24 hours)Flexible repayment plansCustomized personal loans
💰 Finance
(2)
free
17
TrustBanc Prime Pro
TrustBanc Prime Pro
TrustBanc Prime Pro
by Trustbanc J6 Microfinance Bank Limited
Free
💰 Finance
(0)
18
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
19
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
20
Sycamore - Save Invest Borrow
Sycamore - Save Invest Borrow
Sycamore - Save Invest Borrow
Save, Invest & Get loans
Free

Access personal and business loans, lend money to friends, invest for returns, and pay bills all in one place. This financial app offers quick access to funds and opportunities to grow your money.

Personal loansBusiness loansLend money to friends
💰 Finance
(118)
ad-supported

FAQ about Naira Loan

What are the best naira loan apps for iPhone?
Neocash Mobile tops our naira loan apps ranking as of July 2026, with a 3.0-star average from 2 App Store ratings, and it's free to download.
Yes — 20 of the top naira loan apps we rank are free to download, including Neocash Mobile and Monibac.
Neocash Mobile has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 79+ naira loan apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
You can borrow amounts ranging from ₦5,000 up to ₦5,000,000 through Neocash. The specific amount you are eligible for will depend on your income and credit history.
Neocash offers repayment periods from 61 days up to 12 months. You can choose a tenure that best suits your financial situation.

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