Best Naira Loan Apps

80+ iOS apps curated and reviewed

3.5 avg rating
20 free apps
Updated September 2026

Out of 80+ 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 (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Neocash MobileNeocash MobileFree3.7★ (6)NoNoSep 2026
2Andray FinanceAndray FinanceFree1.0★ (1)NoNoSep 2026
3MonibacMonibacFree2.7★ (61)NoNoAug 2026
4FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (14K)NoNoSep 2026
5Credx FinanceCredx FinanceFree1.0★ (1)NoNoAug 2026
6Zedvance: Loans & BillsZedvance: Loans & BillsFree3.5★ (186)NoNoSep 2026
7Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoSep 2026
8Borrow Money Fast: Loan CalcBorrow Money Fast: Loan CalcFree4.5★ (2)YesNoSep 2026

Top Picks for Naira Loan

Neocash Mobile#1

Neocash Mobile by Shephard Trust Bank

Powered by Shepherd Trust
Editor's Choice
💰 Finance
3.7(6 ratings)
Free
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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.

Andray Finance#2

Andray Finance by Andray Finance Limited

Borrow smart, Build strong
Strong Contender
💰 Finance
1.0(1 ratings)
Free
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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.

Monibac#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 Naira Loan apps to explore

FAQ about Naira Loan

What are the best naira loan apps for iPhone?
Neocash Mobile tops our naira loan apps ranking as of September 2026, with a 3.7-star average from 6 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 Andray Finance.
Neocash Mobile has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 80+ naira loan apps on the iOS App Store as of September 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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