Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Avg. APR
6.5–36%
Lenders
50+
Updated
Daily
APR
25.44–31.8%
Amount
₦50k
Term
3–24mo
Best for: This service is best for individuals or small businesses looking to build their credit while accessing loans online through an app or website.
APR
30.0–108.0%
Amount
₦5k–₦250k
Term
1–12mo
Best for: This service is best for individuals building their credit and seeking quick access to funds without lengthy approval processes.
APR
48.0%
Amount
₦100k
Term
6–24mo
Best for: This loan is best for individuals looking for quick access to funds with the ability to choose repayment terms that fit their budget.
APR
60.0%
Amount
₦1.5k–₦1M
Term
1–12mo
Best for: This loan is ideal for individuals looking for quick financing solutions without extensive documentation, especially those building credit.
APR
24–456%
Amount
₦1.5k–₦5M
Term
1–36mo
Best for: This loan is best for individuals looking to build their credit scores while needing immediate access to funds. It's particularly suitable for those with a developing credit history.
APR
35.4%
Amount
₦5k–₦5M
Term
1–12mo
Best for: This loan is ideal for salary earners looking for quick access to funds, particularly in emergencies or for unexpected expenses.
APR
20.0–28.0%
Amount
₦200k
Term
6–60mo
Best for: This loan is best for individuals with a high credit rating looking to fund personal projects or consolidate debt over an extended period, benefiting from competitive rates.
APR
28.5–32.0%
Amount
₦200k
Term
6–60mo
Best for: This loan is ideal for individuals with strong credit who need quick access to funds for personal expenses.
APR
36.0–99.0%
Amount
₦6k–₦1M
Term
4–52mo
Best for: This service is best for individuals with limited access to traditional banking who need immediate financial assistance without extensive paperwork.
APR
54–195%
Amount
₦2.5k–₦1M
Term
2–12mo
Best for: This loan is best for those looking to build their credit score while accessing up to NGN 1,000,000 instantly via a mobile app.