Best Naira Loan Apps

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.

Neocash Mobile by Shephard Trust Bank

Strong Contender

3.3(7 ratings)

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.

Ohere Credit by Ether Labs

Build credit with your card

Worth Considering

Gift, Lend, Borrow and Invest

3.4(5 ratings)

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.

More Naira Loan apps to explore

eLendly

Automate subscriptionsLend and borrow with friendsTrack finances

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.

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Loans, Bills and Payments

Zedvance: Loans & Bills

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

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.

free with in-app purchases

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Borrow Money Fast - Loan Calc

Instant Loan & EMI Calculator

Instant EMI calculationPersonal loan planningBusiness loan calculations

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

by FASTCREDIT LIMITED

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

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.

Get access to loans on Monibac

Collateral-free loansEarn interest on savingsLoans up to 150% of savings

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.

free with in-app purchases

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FairMoney: Save, Spend, Credit

Instant Loan App For Fast Cash

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

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.

Transact, Save & Get Loans

International money transfersCurrency conversionPhysical and virtual cards

Easily send, receive, and convert money internationally. This app facilitates instant transfers, offers competitive exchange rates, and provides physical and virtual cards for online purchases. It ensures secure transactions with 24/7 customer support.

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

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iMobile: Loan, Cards & Banking

Loans, Cards, Payment & FASTag

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards

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.

(70K)

Sycamore - Save Invest Borrow

Save, Invest & Get loans

Personal loansBusiness loansLend money to friends

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.

Kuda - Free transfer & payment

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Pay, save & invest money

Free bank account openingFree money transfersAutomated savings

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.

Bringing Dreams to Life

Fast loan disbursal (24 hours)Flexible repayment plansCustomized personal loans

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.

by Zelia Services Limited

Access to credit facilitiesLoans for tuition, students, and SMEsRepayment terms from 61 to 365 days

Access convenient credit facilities with this neo-bank designed for underserved Nigerian markets. Secure loans for tuition, personal needs, or business projects with transparent repayment terms and competitive rates. Funds are disbursed directly to your Zelia wallet for easy transactions.

PrestLoans Busines & MSME Loan

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by SR TEKBOX PRIVATE LIMITED

Hassle-free loan applicationsStreamlined process for borrowersIncreased efficiency for sales teams

This app provides quick and easy loans for small businesses and MSME units. It streamlines the loan process for borrowers, sales, and underwriting teams, aiming to increase efficiency and reduce turnaround time.

Make your dream come true!

Save and grow financesPurchase airtimePay provider bills

Manage your finances, save, and grow your money. Securely pay bills, purchase airtime, and apply for loans with flexible repayment terms. Get quick access to funds without lengthy processes.

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Big Loan PH Online Utang Cash

Peso Lending App Philippines

Fast online loansUp to PHP 25,000 loan amountLow interest rates starting at 0.33%

This app offers quick online personal loans in the Philippines, with amounts up to PHP 25,000 and interest rates as low as 0.33%. It requires just one valid ID for application and provides a simple, mobile-first loan process.

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Loan App - Instant Loan Calc

Personal Loan, Quick Cash,LOAN

EMI calculation with slidersInterest payable calculationLender comparison

This educational tool helps you understand loans by calculating EMIs and interest. It provides guides on various loan types and offers personalized loan information based on your profile.