Best Umba Loan Apps

153+ iOS apps curated and reviewed

3.2 avg rating
20 free apps
Updated August 2026

Out of 153+ umba loan apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Umba Loan Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Fast Credit MobileFast Credit MobileFree3.1★ (16)NoNoAug 2026
2eLendlyeLendlyFree2.2★ (49)NoNoAug 2026
3MonibacMonibacFree2.7★ (61)NoNoAug 2026
4Neocash MobileNeocash MobileFree3.0★ (2)NoNoAug 2026
5P2Vest - Loan & Insurance AppP2Vest - Loan & Insurance AppFree3.6★ (165)NoNoJul 2026
6FairMoney: Loan App In NigeriaFairMoney: Loan App In NigeriaFree4.6★ (14K)NoNoAug 2026
7PayMe - Personal loan appPayMe - Personal loan appFree3.6★ (32)NoNoAug 2026
8Kredi – Loan, Savings & BillsKredi – Loan, Savings & BillsFree3.0★ (120)NoNoAug 2026

Top Picks for Umba Loan

Fast Credit Mobile#1

Fast Credit Mobile by FASTCREDIT LIMITED

Editor's Choice
💰 Finance
3.1(16 ratings)
Free
Fast Credit Mobile screenshot 1
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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.

eLendly#2

eLendly by Elendly Limited

Gift, Lend, Borrow and Invest
Strong Contender
💰 Finance
2.2(49 ratings)
Free
eLendly screenshot 1
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eLendly screenshot 3
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eLendly screenshot 5

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.

Monibac#3

Monibac by Prime Zone Limited

Get access to loans on Monibac
Worth Considering
💰 Finance
2.7(61 ratings)
Free
Monibac screenshot 1
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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 Umba Loan apps to explore

4
Neocash Mobile
Neocash Mobile
Neocash Mobile
Powered by Shepherd Trust
Free

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.

Loan amounts from ₦5,000 to ₦5,000,000Flexible repayment periodsFast loan approval and disbursement
💰 Finance
(2)
ad-supported
5
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
6
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
7
PayMe - Personal loan app
PayMe - Personal loan app
PayMe - Personal loan app
Instant personal loan app
Free

This app provides instant personal loans for salaried individuals in India, with amounts ranging from Rs. 2,000 to Rs. 2 Lakh. It offers a 100% paperless process, flexible repayment options, and quick approvals, with funds disbursed directly to your bank account.

100% paperless processLoans up to Rs. 2 LakhFlexible repayment options
💰 Finance
(32)
free with in-app purchases
8
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
9
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
10
Zelia Finance
Zelia Finance
Zelia Finance
by Zelia Services Limited
Free

Access convenient credit facilities with this neo-bank designed for underserved Nigerian markets. Secure loans for tuition, personal needs, or business projects with transparent repayment terms and competitive rates. Funds are disbursed directly to your Zelia wallet for easy transactions.

Access to credit facilitiesLoans for tuition, students, and SMEsRepayment terms from 61 to 365 days
💰 Finance
(1)
ad-supported
11
QuickBucks
QuickBucks
QuickBucks
Access bank loan app
Free

Access bank loan app for instant loan applications. Offers various loan types including payday loans, salary advances, and personal loans. Available to both bank customers and non-customers.

Instant loan applicationsPayday loansSalary advance
💰 Finance
(95)
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
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Money for moments that matter
Free

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(40K)
free
14
Quick Loan - Credit Cash Calc
Quick Loan - Credit Cash Calc
Quick Loan - Credit Cash Calc
Instant loan EMI Planner
Free
💰 Finance
(0)
15
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
16
Loan Mobile App
Loan Mobile App
Loan Mobile App
by Vong Srey
Free
💼 Business
(0)
17
My UWM Loan
My UWM Loan
My UWM Loan
by UWM
Free

Manage your home loan conveniently online. View account details, access important documents, and make mortgage payments from anywhere. This app simplifies loan management with features like recurring payments and payment history tracking.

Make mortgage paymentsSet up recurring paymentsView payment history
💰 Finance
(607)
free
18
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
(186)
free with in-app purchases
19
Pristine Global Finance
Pristine Global Finance
Pristine Global Finance
by PRISTINE GLOBAL FINANCE COMPANY LIMITED
Free

This app simplifies the loan application process for users. It allows for quick submissions and access to financial services. Designed for ease of use, it aims to provide a seamless experience for managing loan needs.

Loan application submissionAccess to financial servicesUser-friendly interface
💼 Business
(1)
free
20
Andray Finance
Andray Finance
Andray Finance
Borrow smart, Build strong
Free

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.

Instant loan access up to ₦5,000,000Streamlined, paperwork-free applicationEasy repeat borrowing
💰 Finance
(1)
free

FAQ about Umba Loan

What are the best umba loan apps for iPhone?
Fast Credit Mobile tops our umba loan apps ranking as of August 2026, with a 3.1-star average from 16 App Store ratings, and it's free to download.
Yes — 20 of the top umba loan apps we rank are free to download, including Fast Credit Mobile and eLendly.
Fast Credit Mobile has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 153+ umba loan apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Fast Credit offers loan amounts ranging from ₦50,000 up to ₦5,000,000. The repayment periods vary from 3 months to 24 months, with monthly interest rates of up to 5.5%.
No, Fast Credit provides loans with no collateral required. The app emphasizes fast approvals, minimal verification, and quick disbursements directly to your bank account.