Best Nigeria Loan App

208+ iOS apps curated and reviewed

3.3 avg rating
20 free apps
Updated July 2026

The best nigeria loan app on iPhone average 3.3★ across 208+ titles — we've ranked them by what real users actually keep on their phones. Updated July 2026.

Compare top Nigeria Loan App (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Andray FinanceAndray FinanceFree1.0★ (1)NoNoJul 2026
2Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoJul 2026
3Neocash MobileNeocash MobileFree3.0★ (2)NoNoJul 2026
4eLendlyeLendlyFree2.2★ (49)NoNoJul 2026
5Credit WalletCredit WalletFree2.1★ (7)NoNoJul 2026
6MonibacMonibacFree2.7★ (61)NoNoJul 2026
7LAPO Mobile AppLAPO Mobile AppFree2.4★ (34)NoNoJul 2026
8FairMoney: Loan App In NigeriaFairMoney: Loan App In NigeriaFree4.6★ (14K)NoNoJul 2026

Top Picks for Nigeria Loan App

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
Andray Finance screenshot 2
Andray Finance screenshot 3
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.

Fast Credit Mobile#2

Fast Credit Mobile by FASTCREDIT LIMITED

Strong Contender
💰 Finance
3.1(16 ratings)
Free
Fast Credit Mobile screenshot 1
Fast Credit Mobile screenshot 2
Fast Credit Mobile screenshot 3
Fast Credit Mobile screenshot 4
Fast Credit Mobile screenshot 5

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.

Neocash Mobile#3

Neocash Mobile by Shephard Trust Bank

Powered by Shepherd Trust
Worth Considering
💰 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.

More Nigeria Loan App apps to explore

4
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
5
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
6
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
7
LAPO Mobile App
LAPO Mobile App
LAPO Mobile App
by Lapo Microfinance Bank limited
Free

Manage your finances on the go with this banking app. It offers self-onboarding, bill payments, transfers, and airtime purchases. Monitor your account and activities with ease.

Self-OnboardingBill PaymentsTransfers
💰 Finance
(34)
free
8
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
9
Kredi – Loan, Savings & Bills
Kredi – Loan, Savings & Bills
Kredi – Loan, Savings & Bills
Save, pay bills, & get loan
Free

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.

Instant loans up to ₦50,000Automated savings with up to 23% interestBill payments (cable TV, utilities, betting)
💰 Finance
(120)
free
10
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
11
Addosser MfBank
Addosser MfBank
Addosser MfBank
by Addosser Microfinance Bank Limited
Free

Manage your finances on the go with this mobile banking application. Access your account anytime, anywhere, and transfer funds to any bank in Nigeria. Enjoy convenient banking services right from your device.

24/7 account accessMobile bankingMoney transfers
💰 Finance
(5)
free
12
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
13
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
14
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
15
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
16
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
(133K)
freemium
17
Aella MFB
Aella MFB
Aella MFB
Seamless Digital Banking
Free

This finance app offers loans, investments, bill payments, and micro-insurance. It simplifies financial access for individuals and businesses, especially in emerging markets, by leveraging technology. Features include address verification through location monitoring for enhanced transaction limits.

LoansInvestmentsBill payments
💰 Finance
(23)
free
18
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
19
Olosho App
Olosho App
Olosho App
Olosho Dating App
Free

Connect with singles in your area for dating, friendship, or finding love. This app offers free chat, photo sharing, and voice messages. Discover who's interested in you and explore profiles to find your perfect match.

Meet singles nearbyFree chat and messagingSend photos and voice messages
🌟 Lifestyle
(5.6K)
free with in-app purchases
20
Ucee
Ucee
Ucee
Save, Spend & Borrow
Free

This digital bank offers a hybrid model combining neo-bank flexibility with traditional banking infrastructure. It provides access to credit and innovative banking solutions, including savings, bill payments, and personalized financial planning tools.

Digital-first microfinance bankingAccess to creditSavings and deposit accounts
💰 Finance
(36)
free

FAQ about Nigeria Loan App

What is the best nigeria loan app for iPhone?
Andray Finance tops our nigeria loan app ranking as of July 2026, with a 1.0-star average from 1 App Store ratings, and it's free to download.
Yes — 20 of the top nigeria loan app we rank are free to download, including Andray Finance and Fast Credit Mobile.
Andray Finance has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 208+ nigeria loan app on the iOS App Store as of July 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).