Best Opay Loan Apps

94+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated September 2026

OPay Business is the household name in opay loan, but it's far from the only option. We track 94+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Opay Loan Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OPay BusinessOPay BusinessFree3.6★ (657)NoNoSep 2026
2FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (14K)NoNoSep 2026
3EasyLoans: Compare LoansEasyLoans: Compare LoansFree3.6★ (398)NoNoSep 2026
4WhatsApp MessengerWhatsApp MessengerFree4.7★ (19M)YesYesSep 2026
5Moniepoint Business BankingMoniepoint Business BankingFree4.6★ (15K)YesNoSep 2026
6Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (31K)NoNoSep 2026
7Smartcash PSBSmartcash PSBFree3.9★ (2K)NoNoSep 2026
8Access MoreAccess MoreFree4.7★ (118K)NoNoSep 2026

Top Picks for Opay Loan

3.6😞(657 ratings)
Free
#90in 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 empowers Nigerian businesses with a comprehensive financial management suite. It offers diverse payment collection methods, employee and store management, and access to over 200 billers for seamless operations and growth.

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😐(14K 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 September 2026, with a 3.6-star average from 657 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 September 2026.
We track 94+ opay loan apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
The OPay Business app is designed for Nigerian retail businesses to manage their finances and operations. It provides tools for collecting payments through various methods, managing employees and stores, applying for and managing POS devices, and accessing over 200 billers for services like airtime and utilities.
Key features include omnichannel payment collection, a unique account for receiving transfers, easy application and management of OPay POS devices, the ability to manage branches and employees within one app, downloading insightful business statements and reports, and access to over 200 billers for essential services.

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