3DC Finance
3DC Finance short-term loans up to ₦1,000,000 at 10% monthly.
₦10K – ₦1.0M
Interest from 10.00%
Approval: 48 hours
1 – 4 months
All loans and lenders in Nigeria 2026
Comparing 54 certified lenders. Choose a loan type or browse all offers below.
Loan types
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All lenders
Access Bank
Access Bank personal loans from ₦10,000 to ₦5,000,000 at 4% monthly.
₦10K – ₦5.0M
Interest from 4.00%
Approval: 24 hours
1 – 36 months
Aella
Aella mobile loans up to ₦1,000,000 for employees and individuals.
₦2K – ₦1.0M
Interest from 6.00%
Approval: 2 hours
1 – 3 months
ALAT
ALAT digital bank loans up to ₦200,000 at 3% monthly.
₦10K – ₦200K
Interest from 3.00%
Approval: 2 minutes
1 – 6 months
Bank of Agriculture
Bank of Agriculture development loans up to ₦50,000,000 at 14% annually.
₦250K – ₦50.0M
Interest from 14.00%
Approval: 5 business days
12 – 60 months
Bank of Industry
Bank of Industry development loans up to ₦50,000,000 at 10% annually.
₦1.0M – ₦50.0M
Interest from 10.00%
Approval: 5 business days
12 – 60 months
Baobab
Baobab microfinance loans up to ₦10,000,000 for businesses.
₦20K – ₦10.0M
Interest from 28.00%
Approval: 3 business days
6 – 24 months
Branch
Branch gives instant loans from ₦1,000 to ₦500,000 through its mobile app. No office visits, no paperwork, and no collateral. Your loan limit grows the more you borrow and repay on time.
₦1K – ₦500K
Interest from 1.00%
Approval: Within 24 hours
1 – 12 months
C24
Online loans up to ₦5,000,000 with fast approval in 5 minutes.
₦50K – ₦5.0M
Interest from 16.00%
Approval: 5 minutes
1 – 12 months
Carbon
Online loans up to ₦1,000,000 with interest from 1% monthly and approval within 24 hours.
₦2K – ₦1.0M
Interest from 1.00%
Approval: 24 hours
1 – 16 months
Credit Direct
Credit Direct consumer loans up to ₦5,000,000 for employees and SMEs.
₦10K – ₦5.0M
Interest from 0.00%
Approval: 24 hours
1 – 12 months
Creditville
Creditville personal loans up to ₦4,000,000 at 5% monthly interest.
₦100K – ₦4.0M
Interest from 5.00%
Approval: 48 hours
1 – 18 months
E-Finance
E-Finance corporate and personal loans up to ₦5,000,000.
₦100K – ₦5.0M
Interest from 6.00%
Approval: 24 hours
1 – 9 months
FairMoney
Mobile app loans up to ₦1,500,000 disbursed in 2 minutes with interest from 10% monthly.
₦2K – ₦1.5M
Interest from 10.00%
Approval: 2 minutes
1 – 3 months
Fast Credit
Fast Credit consumer loans up to ₦5,000,000 at 4% monthly.
₦100K – ₦5.0M
Interest from 4.00%
Approval: 24 hours
1 – 15 months
FCMB
FCMB personal loans from ₦50,000 to ₦2,000,000 at 4% monthly.
₦50K – ₦2.0M
Interest from 4.00%
Approval: 24 hours
1 – 60 months
Ferratum
Fast online loans up to ₦10,000 with a 14-day repayment term. Approval in 5 minutes. Available for Lagos residents.
₦1K – ₦10K
Interest from 4.00%
Approval: 5 minutes
1 – 1 months
Fidelity Bank
Fidelity Bank offers personal loans and salary advances for public and private sector employees. Amounts go up to ₦10 million with repayment terms up to 3 years.
₦50K – ₦10.0M
Interest from 2.00%
Approval: 24 hours
6 – 36 months
FINT
Online loans up to ₦2,000,000 with 24-hour disbursement and 2% monthly interest.
₦2K – ₦2.0M
Interest from 2.00%
Approval: 24 hours
1 – 12 months
First Bank of Nigeria
First Bank offers personal loans up to ₦15 million for salary earners. With over 130 years of banking in Nigeria, it is one of the most established lenders in the country.
₦10K – ₦15.0M
Interest from 1.83%
Approval: 24 – 48 hours
3 – 60 months
GTBank
GTBank personal loans from ₦500,000 to ₦5,000,000 at 1.33% monthly.
₦500K – ₦5.0M
Interest from 1.33%
Approval: 24 hours
6 – 12 months
JumiaPay
JumiaPay short-term loans up to ₦100,000 in 2 hours.
₦1K – ₦100K
Interest from 3.50%
Approval: 2 hours
1 – 1 months
KiaKia
Quick online loans up to ₦200,000 with funds in your account within 1 hour.
₦20K – ₦200K
Interest from 5.00%
Approval: 1 hour
1 – 1 months
Kuda Bank
Kuda Bank offers an overdraft feature with a daily interest rate of 0.3%. Your limit starts small and grows as you use your Kuda account more actively. Disbursement is instant.
₦1K – ₦150K
Interest from 0.30%
Approval: Instant
1 – 3 months
LAPO Microfinance Group
LAPO microfinance loans from ₦30,000 to ₦150,000 for underserved communities.
₦30K – ₦150K
Interest from 0.00%
Approval: 48 hours
1 – 8 months
Lendigo
Lendigo working capital loans for SMEs up to ₦5,000,000.
₦300K – ₦5.0M
Interest from 2.00%
Approval: 48 hours
6 – 12 months
Lidya
Lidya business loans up to ₦2,000,000 for SMEs at 4% monthly.
₦100K – ₦2.0M
Interest from 4.00%
Approval: 48 hours
1 – 36 months
Loan35
Loan35 personal loans up to ₦2,000,000 for 24-hour loans in Nigeria.
₦50K – ₦2.0M
Interest from 4.00%
Approval: 48 hours
1 – 60 months
Migo
Instant mobile loans up to ₦500,000 disbursed in 5 minutes.
₦500 – ₦500K
Interest from 5.00%
Approval: 5 minutes
1 – 12 months
Moniepoint
Moniepoint provides personal and business loans to individuals and SMEs via its popular mobile banking platform with millions of active users.
₦50K – ₦1.0M
Interest from 2.50%
Approval: 24 hours
1 – 12 months
NIRSAL Microfinance Bank
NIRSAL government-backed loans from ₦1,000,000 to ₦100,000,000 at 9% annually.
₦1.0M – ₦100.0M
Interest from 9.00%
Approval: 5 business days
12 – 60 months
OneFi
OneFi personal loans up to ₦1,000,000 for blacklisted applicants.
₦2K – ₦1.0M
Interest from 1.00%
Approval: 24 hours
1 – 16 months
OPay
OPay micro-loans up to ₦50,000 through the OPay app.
₦3K – ₦50K
Interest from 36.50%
Approval: 5 minutes
3 – 12 months
Page Financials
Page Financials salary and business loans up to ₦5,000,000.
₦200K – ₦5.0M
Interest from 5.00%
Approval: 24 hours
1 – 12 months
Palmcredit
Fast mobile loans up to ₦100,000 with money in your account within 15 minutes.
₦1K – ₦100K
Interest from 4.60%
Approval: 15 minutes
1 – 6 months
PalmPay
PalmPay offers instant micro-loans to its 30M+ users via the PalmPay mobile app, with funds disbursed within minutes directly to your wallet.
₦2K – ₦100K
Interest from 3.50%
Approval: Minutes
14 – 91 days
PennyLender
Quick online loans up to ₦5,000,000 with approval in 2 hours.
₦10K – ₦5.0M
Interest from 4.00%
Approval: 2 hours
1 – 18 months
Pettycash
Pettycash short-term loans up to ₦50,000 in 1 hour.
₦5K – ₦50K
Interest from 12.00%
Approval: 1 hour
1 – 1 months
QuickCheck
Quick personal loans up to ₦1,000,000 with approval in 15 minutes and 2% monthly interest.
₦1K – ₦1.0M
Interest from 2.00%
Approval: 15 minutes
1 – 12 months
Quickteller
Quickteller loans up to ₦1,000,000 at just 2% monthly interest.
₦1K – ₦1.0M
Interest from 2.00%
Approval: 24 hours
1 – 12 months
RapidCash
RapidCash instant loans up to ₦50,000 in 30 minutes.
₦10K – ₦50K
Interest from 31.00%
Approval: 30 minutes
1 – 1 months
Renmoney
Personal and business loans up to ₦6,000,000 with 24-hour disbursement.
₦100K – ₦6.0M
Interest from 2.98%
Approval: 24 hours
3 – 24 months
Rosabon Financial Services
Rosabon consumer finance loans up to ₦1,500,000 at 5.6% monthly.
₦100K – ₦1.5M
Interest from 5.60%
Approval: 48 hours
1 – 8 months
Social Lender
Social Lender loans based on your social media credit score.
₦1K – ₦100K
Interest from 5.00%
Approval: 24 hours
1 – 1 months
Sokoloan
Fast payday loans up to ₦100,000 via mobile app with flexible repayment of 7–190 days.
₦5K – ₦100K
Interest from 4.50%
Approval: 5 minutes
1 – 7 months
Specta
Specta by Sterling Bank – loans up to ₦5,000,000 in 5 minutes.
₦10K – ₦5.0M
Interest from 5.00%
Approval: 5 minutes
1 – 60 months
Spotyloans
Spotyloans instant loans up to ₦1,000,000 in 24 hours.
₦1K – ₦1.0M
Interest from 3.00%
Approval: 24 hours
1 – 1 months
Stanbic IBTC Bank
Stanbic IBTC Bank offers personal loans up to ₦15 million for salary earners. Part of the Standard Bank Group, with a reputation for consistent service in corporate and retail banking.
₦50K – ₦15.0M
Interest from 2.00%
Approval: 24 – 48 hours
12 – 48 months
Sterling Bank
Sterling Bank loans from ₦10,000 to ₦5,000,000 with up to 60 months repayment.
₦10K – ₦5.0M
Interest from 5.00%
Approval: 24 hours
1 – 60 months
TraderMoni
TraderMoni government loans for market traders from ₦15,000 to ₦100,000.
₦15K – ₦100K
Interest from 5.00%
Approval: 5 business days
6 – 12 months
Union Bank
Union Bank loans from ₦50,000 to ₦30,000,000 with flexible terms.
₦50K – ₦30.0M
Interest from 4.00%
Approval: 48 hours
12 – 60 months
United Bank for Africa
UBA Click Credit gives instant loans from ₦5,000 to ₦15 million via USSD (*919#) or the UBA mobile app. One of Africa's largest banks with operations in 20 countries.
₦5K – ₦15.0M
Interest from 2.08%
Approval: Instant (USSD) or 24 hours
1 – 12 months
Zedvance
Zedvance consumer loans up to ₦5,000,000 without collateral.
₦1 – ₦5.0M
Interest from 3.50%
Approval: 24 hours
1 – 18 months
Zenith Bank
Zenith Bank personal loans from ₦10,000 to ₦5,000,000 at 9% monthly.
₦10K – ₦5.0M
Interest from 9.00%
Approval: 24 hours
6 – 24 months