Best Opay Loan Apps

170+ iOS apps curated and reviewed

3.9 avg rating
20 free apps
Updated October 2026

OPay Business is the household name in opay loan, but it's far from the only option. We track 170+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Opay Loan Apps (October 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OPay BusinessOPay BusinessFree3.6★ (857)NoNoOct 2026
2FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (15K)NoNoNov 2026
3EasyLoans: Compare LoansEasyLoans: Compare LoansFree3.7★ (510)NoNoNov 2026
4Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (33K)NoNoNov 2026
5WhatsApp MessengerWhatsApp MessengerFree4.7★ (19M)YesYesNov 2026
6Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (130K)NoNoNov 2026
7Access MoreAccess MoreFree4.7★ (119K)NoNoNov 2026
8Moniepoint Business BankingMoniepoint Business BankingFree4.6★ (16K)YesNoNov 2026

Top Picks for Opay Loan

3.6😞(857 ratings)
Free
#99in Finance
OPay Business screenshot 1
OPay Business screenshot 2
OPay Business screenshot 3
OPay Business screenshot 4
OPay Business screenshot 5
OPay Business screenshot 6

This app helps businesses manage payments, employees, and bills. It offers various collection methods, POS management, and access to over 200 billers for airtime, data, and utilities. Take your business to the next level with secure, profitable, and efficient financial services.

What We Love

  • 👍 Good app functionality overall
  • 💡 Bill payment feature requested and appreciated

Room to Improve

  • 🐛 Missing loan icon in updated version
  • 🐛 Transaction history not displaying properly
  • 🐛 Sub-account creation failing on iPhone
  • 🐛 Sub-account withdrawal not working on iPhone
  • 🐛 Business account transfer features removed for Apple users
  • 🐛 Unable to buy airtime and data
  • 🐛 Unable to pay bills
  • 🐛 App showing 'Coming Soon' instead of functional features
  • 🐛 Account freezing issues
  • 🐛 Frozen accounts not unfreezing
  • 🐛 'Upgrade to latest version' message with no available update
  • 🐛 Accept large transfer not working on iOS
  • 🐛 Cannot register Nigeria phone numbers
  • 🐛 OTP only available via SMS, not email
  • 🐛 Money stuck in accounts
  • 🐛 Discrepancies in account balance
  • 😞 Poor customer service response
  • 😞 Confusing UI between OPay and OPay Business
  • 😞 App slower than previous version
  • 😞 Less user-friendly than previous version
  • 😞 iOS version lacks features available on Android
  • 😞 Forced merchant account integration unwanted by users
FairMoney: Save, Spend, Credit#2
4.6😐(15K ratings)
Free
FairMoney: Save, Spend, Credit screenshot 1
FairMoney: Save, Spend, Credit screenshot 2
FairMoney: Save, Spend, Credit screenshot 3
FairMoney: Save, Spend, Credit screenshot 4
FairMoney: Save, Spend, Credit screenshot 5
FairMoney: Save, Spend, Credit screenshot 6

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.

What We Love

  • 🚀 Fast and easy loan process
  • 👍 Reliable and trustworthy
  • 💯 Smooth and seamless experience

Room to Improve

  • 💰 High interest rates
  • 🔍 Inconsistent loan offers
  • 📞 Aggressive repayment reminders
  • 🔒 Restricted access to account/funds

More Opay Loan apps to explore

FAQ about Opay Loan

What are the best opay loan apps for iPhone?
OPay Business tops our opay loan apps ranking as of October 2026, with a 3.6-star average from 857 App Store ratings, and it's free to download.
Yes — 20 of the top opay loan apps we rank are free to download, including OPay Business and FairMoney: Save, Spend, Credit.
OPay Business has no ads and has no in-app purchases, according to its App Store listing as of October 2026.
We track 170+ opay loan apps on the iOS App Store as of October 2026, ranked by rating, recency, and analysis of real user reviews.

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