Best Nigeria Loan Apps

248+ iOS apps curated and reviewed

3.7 avg rating
20 free apps
Updated September 2026

Finding the right nigeria loan apps can be overwhelming with so many options. We've analyzed 248+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Nigeria Loan Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Andray FinanceAndray FinanceFree1.0★ (1)NoNoSep 2026
2Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoSep 2026
3Neocash MobileNeocash MobileFree3.7★ (6)NoNoSep 2026
4MonibacMonibacFree2.7★ (61)NoNoAug 2026
5FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (14K)NoNoSep 2026
6Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5★ (10K)NoNoSep 2026
7Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (131K)NoNoSep 2026
8eLendlyeLendlyFree2.2★ (49)NoNoSep 2026

Top Picks for Nigeria Loan Apps

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
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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.

Fast Credit Mobile#2

Fast Credit Mobile by FASTCREDIT LIMITED

Strong Contender
💰 Finance
3.1(16 ratings)
Free
Fast Credit Mobile screenshot 1
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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
3.7(6 ratings)
Free
Neocash Mobile screenshot 1
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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.

More Nigeria Loan Apps apps to explore

FAQ about Nigeria Loan Apps

What are the best nigeria loan apps for iPhone?
Andray Finance tops our nigeria loan apps ranking as of September 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 apps 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 September 2026.
We track 248+ nigeria loan apps on the iOS App Store as of September 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).