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Branch Personal Loan

Personal

Best for: This service is best for individuals with limited access to traditional banking who need immediate financial assistance without extensive paperwork.

Phone number or Facebook account, ID number, and mobile money or bank account

UBA SME Business Loan

Business

Best for: Nigerian small to medium enterprises with solid financial projections and collateral who need significant funding for growth.

Nigerian registered business · UBA business account · Financial statements and projections

First Bank of Nigeria Personal Loan

Personal

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.

Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required

Zenith Bank Business Loan

Business

Best for: Established Nigerian businesses with solid financial records looking for substantial funding.

Nigerian registered business · Zenith Bank business account · Financial statements required

Renmoney Personal Loan

Personal

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.

Digital application through the Renmoney app; identity and income checks may apply

Access Bank SME Business Loan

Business

Best for: Established SMEs in Nigeria needing significant capital for expansion or operational costs.

Nigerian registered business · Access Bank business account · Business plan required

UBA Personal Loan

Personal

Best for: This loan is ideal for individuals with strong credit who need quick access to funds for personal expenses.

Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows

GTBank Business Loan

Business

Best for: Established Nigerian businesses with a solid trading history seeking significant funding for expansion.

Nigerian registered business · GTBank business account · Minimum 2 years trading history

QuickCheck Personal Loan

Personal

Best for: This loan is ideal for individuals looking for quick financing solutions without extensive documentation, especially those building credit.

No collateral; smartphone app application

Stanbic IBTC Business Loan

Business

Best for: Nigerian entrepreneurs with existing Stanbic IBTC accounts seeking substantial working capital or trade finance.

Nigerian registered business · Stanbic IBTC business account · Part of Standard Bank Group

Kuda Bank Overdraft

Personal

Best for: This service is best for individuals building their credit and seeking quick access to funds without lengthy approval processes.

Kuda app account required; monthly installment repayment; no paperwork

Lidya Business Loan

Business

Best for: Established Nigerian businesses seeking quick funding for operational expenses or expansion.

Nigerian registered business · 6+ months trading history · Digital application process

Carbon Personal Loan

Personal

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.

No collateral; no guarantor; no paperwork

First Bank SME Business Loan

Business

Best for: Established businesses with a good credit history looking for significant financial support.

Nigerian registered business · First Bank business account · Financial statements required

GTBank Salary Advance Personal Loan

Personal

Best for: This loan is ideal for salary earners looking for quick access to funds, particularly in emergencies or for unexpected expenses.

Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report

Stanbic IBTC Personal Loan

Personal

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.

Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks

FairMoney Personal Loan

Personal

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.

Monthly income of ₦1,000+; no collateral; no physical paperwork