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Loan comparison 2026

Comparing 52 offers. Interest rates updated 19 Apr 2026.

₦5,000 ₦10,000 ₦20,000 ₦50,000 ₦100,000 ₦200,000 ₦500,000 ₦1,000,000 ₦2,000,000 ₦5,000,000
Lender Amount Interest from Term Approval Rating Action
C24 C24
₦50K – ₦5.0M 16.00% to 16.00% 1 – 12 months 5 minutes ★★★★☆ 4.0 Details Apply ad
FINT FINT
₦2K – ₦2.0M 2.00% to 10.00% 1 – 12 months 24 hours ★★★★★ 4.5 Details Apply ad
KiaKia KiaKia
₦20K – ₦200K 5.00% to 5.00% 1 – 1 months 1 hour ★★★★☆ 4.0 Details Apply ad
Sokoloan Sokoloan
₦5K – ₦100K 4.50% to 15.00% 1 – 7 months 5 minutes ★★★★☆ 4.0 Details Apply ad
Ferratum Ferratum
₦1K – ₦10K 4.00% to 4.00% 1 – 1 months 5 minutes ★★★★★ 5.0 Details Apply ad
PennyLender PennyLender
₦10K – ₦5.0M 4.00% to 4.00% 1 – 18 months 2 hours ★★★★★ 5.0 Details Apply ad
Migo Migo
₦500 – ₦500K 5.00% to 5.00% 1 – 12 months 5 minutes ★★★★★ 5.0 Details Apply ad
Carbon Carbon
₦2K – ₦1.0M 1.00% to 4.00% 1 – 16 months 24 hours ★★★★☆ 4.0 Details Apply ad
FairMoney FairMoney
₦2K – ₦1.5M 10.00% to 30.00% 1 – 3 months 2 minutes ★★★★★ 5.0 Details Apply ad
GTBank GTBank
₦500K – ₦5.0M 1.33% to 1.33% 6 – 12 months 24 hours ★★★★★ 5.0 Details Apply ad
OneFi OneFi
₦2K – ₦1.0M 1.00% to 25.00% 1 – 16 months 24 hours ★★★★☆ 4.0 Details Apply ad
Rosabon Financial Services Rosabon Financial Services
₦100K – ₦1.5M 5.60% to 5.60% 1 – 8 months 48 hours ★★★★☆ 4.0 Details Apply ad
Access Bank Access Bank
₦10K – ₦5.0M 4.00% to 4.00% 1 – 36 months 24 hours ★★★★★ 4.5 Details Apply ad
Creditville Creditville
₦100K – ₦4.0M 5.00% to 5.00% 1 – 18 months 48 hours ★★★★☆ 4.0 Details Apply ad
Sterling Bank Sterling Bank
₦10K – ₦5.0M 5.00% to 5.00% 1 – 60 months 24 hours ★★★★☆ 4.0 Details Apply ad
Pettycash Pettycash
₦5K – ₦50K 12.00% to 12.00% 1 – 1 months 1 hour ★★★★☆ 3.5 Details Apply ad
Aella Aella
₦2K – ₦1.0M 6.00% to 6.00% 1 – 3 months 2 hours ★★★★☆ 4.0 Details Apply ad
Zedvance Zedvance
₦1 – ₦5.0M 3.50% to 3.50% 1 – 18 months 24 hours ★★★★☆ 4.0 Details Apply ad
FCMB FCMB
₦50K – ₦2.0M 4.00% to 4.00% 1 – 60 months 24 hours ★★★★☆ 4.0 Details Apply ad
Specta Specta
₦10K – ₦5.0M 5.00% to 5.00% 1 – 60 months 5 minutes ★★★★★ 4.5 Details Apply ad
Quickteller Quickteller
₦1K – ₦1.0M 2.00% to 2.00% 1 – 12 months 24 hours ★★★★★ 4.5 Details Apply ad
Union Bank Union Bank
₦50K – ₦30.0M 4.00% to 4.00% 12 – 60 months 48 hours ★★★★☆ 4.0 Details Apply ad
Renmoney Renmoney
₦100K – ₦6.0M 2.98% to 9.00% 3 – 24 months 24 hours ★★★★☆ 4.0 Details Apply ad
LAPO Microfinance Group LAPO Microfinance Group
₦30K – ₦150K 0.00% to 0.00% 1 – 8 months 48 hours ★★★★☆ 3.5 Details Apply ad
NIRSAL Microfinance Bank NIRSAL Microfinance Bank
₦1.0M – ₦100.0M 9.00% to 9.00% 12 – 60 months 5 business days ★★★★☆ 3.5 Details Apply ad
Bank of Agriculture Bank of Agriculture
₦250K – ₦50.0M 14.00% to 14.00% 12 – 60 months 5 business days ★★★★☆ 3.5 Details Apply ad
Bank of Industry Bank of Industry
₦1.0M – ₦50.0M 10.00% to 10.00% 12 – 60 months 5 business days ★★★★☆ 4.0 Details Apply ad
Credit Direct Credit Direct
₦10K – ₦5.0M 0.00% to 10.00% 1 – 12 months 24 hours ★★★★★ 5.0 Details Apply ad
JumiaPay JumiaPay
₦1K – ₦100K 3.50% to 3.50% 1 – 1 months 2 hours ★★★★☆ 3.5 Details Apply ad
Lidya Lidya
₦100K – ₦2.0M 4.00% to 4.00% 1 – 36 months 48 hours ★★★★☆ 4.0 Details Apply ad
RapidCash RapidCash
₦10K – ₦50K 31.00% to 31.00% 1 – 1 months 30 minutes ★★★☆☆ 3.0 Details Apply ad
Palmcredit Palmcredit
₦1K – ₦100K 4.60% to 24.00% 1 – 6 months 15 minutes ★★★★☆ 4.0 Details Apply ad
Social Lender Social Lender
₦1K – ₦100K 5.00% to 5.00% 1 – 1 months 24 hours ★★★★☆ 3.5 Details Apply ad
ALAT ALAT
₦10K – ₦200K 3.00% to 3.00% 1 – 6 months 2 minutes ★★★★★ 4.5 Details Apply ad
Page Financials Page Financials
₦200K – ₦5.0M 5.00% to 5.00% 1 – 12 months 24 hours ★★★★☆ 4.0 Details Apply ad
OPay OPay
₦3K – ₦50K 36.50% to 36.50% 3 – 12 months 5 minutes ★★★★☆ 4.0 Details Apply ad
TraderMoni TraderMoni
₦15K – ₦100K 5.00% to 5.00% 6 – 12 months 5 business days ★★★★☆ 3.5 Details Apply ad
E-Finance E-Finance
₦100K – ₦5.0M 6.00% to 6.00% 1 – 9 months 24 hours ★★★★☆ 3.5 Details Apply ad
Fast Credit Fast Credit
₦100K – ₦5.0M 4.00% to 4.00% 1 – 15 months 24 hours ★★★★☆ 4.0 Details Apply ad
3DC Finance 3DC Finance
₦10K – ₦1.0M 10.00% to 10.00% 1 – 4 months 48 hours ★★★★☆ 3.5 Details Apply ad
Baobab Baobab
₦20K – ₦10.0M 28.00% to 28.00% 6 – 24 months 3 business days ★★★★☆ 3.5 Details Apply ad
Zenith Bank Zenith Bank
₦10K – ₦5.0M 9.00% to 9.00% 6 – 24 months 24 hours ★★★★★ 4.5 Details Apply ad
Loan35 Loan35
₦50K – ₦2.0M 4.00% to 4.00% 1 – 60 months 48 hours ★★★★☆ 3.5 Details Apply ad
Lendigo Lendigo
₦300K – ₦5.0M 2.00% to 2.00% 6 – 12 months 48 hours ★★★★☆ 4.0 Details Apply ad
Spotyloans Spotyloans
₦1K – ₦1.0M 3.00% to 3.00% 1 – 1 months 24 hours ★★★★☆ 3.5 Details Apply ad
QuickCheck QuickCheck
₦1K – ₦1.0M 2.00% to 30.00% 1 – 12 months 15 minutes ★★★★☆ 4.0 Details Apply ad
Branch Branch
₦1K – ₦500K 1.00% to 21.00% 1 – 12 months Within 24 hours ★★★★★ 4.2 Details Apply ad
First Bank of Nigeria First Bank of Nigeria
₦10K – ₦15.0M 1.83% to 2.50% 3 – 60 months 24 – 48 hours ★★★★☆ 3.9 Details Apply ad
Kuda Bank Kuda Bank
₦1K – ₦150K 0.30% to 0.30% 1 – 3 months Instant ★★★★★ 4.3 Details Apply ad
Stanbic IBTC Bank Stanbic IBTC Bank
₦50K – ₦15.0M 2.00% to 2.50% 12 – 48 months 24 – 48 hours ★★★★☆ 3.8 Details Apply ad
United Bank for Africa United Bank for Africa
₦5K – ₦15.0M 2.08% to 2.50% 1 – 12 months Instant (USSD) or 24 hours ★★★★☆ 3.9 Details Apply ad
Fidelity Bank Fidelity Bank
₦50K – ₦10.0M 2.00% to 2.50% 6 – 36 months 24 hours ★★★★☆ 3.7 Details Apply ad

How to choose the best loan in Nigeria?

When comparing loans, always look at the total interest rate and not just the advertised monthly rate. Make sure to check all fees, processing charges and any insurance requirements that may increase the total cost of your loan.

Also compare the total amount payable – with a longer term the monthly repayment is lower, but you pay significantly more interest overall. Use our loan calculator above to see the full picture.

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