Best Nigerian Loan App

249+ iOS apps curated and reviewed

3.6 avg rating
20 free apps
Updated October 2026

Looking for free nigerian loan app? 20 of our 249+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Nigerian Loan App (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Andray FinanceAndray FinanceFree1.8★ (5)NoNoOct 2026
2Neocash MobileNeocash MobileFree3.7★ (6)NoNoOct 2026
3MonibacMonibacFree2.8★ (87)NoNoOct 2026
4eLendlyeLendlyFree2.7★ (107)NoNoOct 2026
5Fidelity FastLoanFidelity FastLoanFree2.5★ (40)NoNoOct 2026
6Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5★ (10K)NoNoNov 2026
7Fast Credit MobileFast Credit MobileFree2.9★ (23)NoNoOct 2026
8Borrow Money Fast - Loan CalcBorrow Money Fast - Loan CalcFree4.4★ (624)YesNoOct 2026

Top Picks for Nigerian Loan App

Andray Finance#1

Andray Finance by Andray Finance Limited

Borrow smart, Build strong
Editor's Choice
💰 Finance
1.8(5 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.

Neocash Mobile#2

Neocash Mobile by Shephard Trust Bank

Powered by Shepherd Trust
Strong Contender
💰 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.

Monibac#3

Monibac by Prime Zone Limited

Get access to loans on Monibac
Worth Considering
💰 Finance
2.8(87 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 Nigerian Loan App apps to explore

FAQ about Nigerian Loan App

What is the best nigerian loan app for iPhone?
Andray Finance tops our nigerian loan app ranking as of October 2026, with a 1.8-star average from 5 App Store ratings, and it's free to download.
Yes — 20 of the top nigerian loan app we rank are free to download, including Andray Finance and Neocash Mobile.
Andray Finance has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 249+ nigerian loan app on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.