Every rate. Every requirement. One place.

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

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

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

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

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

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

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

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

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

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