Trusted Loan Providers
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ALAT by Wema
Africa's first fully digital bank with instant 'Quick Loans'
Paperless, low-interest credit starting at 2% monthly for salary earners.
Carbon
Access up to ₦1,000,000 with a free credit report
Radical transparency with high limits for verified bank users.
FairMoney
Instant loans up to ₦3,000,000 with NDIC security
CBN-licensed stability with automated limit increases for repeat users.
Branch
Collateral-free loans via AI-driven phone data scoring
No late fees or hidden charges; trusted by 60M+ global users.
Renmoney
High-limit personal and business loans up to ₦6,000,000
Long-term tenures up to 24 months for significant financial goals.
Migo
Headless credit available via USSD *561# or web
No app download required; instant 'Shop Now, Pay Later' integration.
QuickCheck
Urgent cash disbursed in under 5 minutes
NDPA-compliant data protection for safe, fast emergency lending.
Aella Credit
Health and salary-backed loans for professionals
Focus on high-speed approval with short repayment cycles.
Kuda Bank
Automated Overdrafts based on your spending volume
No application forms; credit is automatically unlocked via usage.
Moniepoint
Working capital loans for POS agents and SME retailers
Daily repayment structures designed for active business cashflow.
VFD Bank (V)
Professional-grade banking with high-tier personal credit
Targeted at middle-to-senior management with high net-worth accounts.
Lidya
Unsecured credit lines for Nigerian small businesses
Fast assessment of business bank statements for growth capital.
Creditville
Payroll-backed loans and car financing for workers
Specialized in asset-based lending with competitive interest rates.
Sycamore
Flexible personal and business loans with instant approval
Reasonable interest rates for peer-to-peer and institutional credit.
Payhippo
Inventory and equipment financing for SME owners
Disbursements within 24 hours based on business performance.
CredPal
Buy Now, Pay Later infrastructure for retail shopping
Split payments into monthly installments across major Nigerian stores.
Opay (Okash)
High-velocity micro-loans with zero collateral
Integrated into the OPay ecosystem for 24/7 access to funds.
Lapo MFB
Institutional micro-loans for market traders and artisans
Traditional stability met with modern digital disbursement.
Specta by Sterling
Loans up to ₦5,000,000 for salary and non-salary earners
Fast assessment using your salary bank details (Proprietary to Sterling).
Easybuy
Instant credit for smartphones and home appliances
Available at major retail hubs with low equity contribution.
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