List of Legit Loan Apps in Nigeria 2023

legit loan apps in Nigeria (2)

Recently updated on November 17th, 2023 at 02:50 pm

Last Updated on November 17, 2023

In Nigeria, many people find themselves in need of financial assistance at one point or another. This may be due to unforeseen expenses, emergencies, or simply the need to invest in a business or personal project. Fortunately, there are several Legit loan apps in Nigeria that can provide quick and convenient access to loans.

Legitimacy is the cornerstone of any financial transaction, and this list of legit loan apps in Nigeria understands that well. They adhere to regulations, ensuring your financial transactions are not just swift but secure.

In this article, we’ll be highlighting 20 of these loan apps in Nigeria and what makes them legit. As we delve into the specifics of each loan app, you’ll be able to pick the ones most suitable for you. Whether you’re a first-time borrower or a seasoned financial navigator, this list of legit loan apps in Nigeria is designed to meet your unique needs.

1. Carbon

carbon paylater

Carbon is one of the most popular and legit loan apps in Nigeria. It is known for its quick loan disbursement and flexible repayment plans. Carbon offers loans ranging from N1,500 to N1 million with interest rates starting at 5%.

To qualify for a loan on Carbon, you need to have a bank account, a steady source of income, and a valid means of identification.

Read the Carbon Review>>

2. FairMoney Loan

fairmoney loan app

FairMoney is another legit loan app in Nigeria that offers instant loans to individuals and small business owners.

With FairMoney, you can access loans of up to N1,000,000 with interest rates starting at 10%. The loan application process is straightforward, and funds are disbursed within minutes of approval.

Read Our Fairmoney Loan Review>>

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3. PalmCredit Loan

Palmcredit loan app - Palcredit ussd code Interest rates

PalmCredit is a loan app that offers quick loans to individuals and small businesses.

With PalmCredit, you can access loans of up to N100,000 with interest rates starting at 14%. The app has a user-friendly interface and a quick loan application process.

To qualify for a loan on PalmCredit, you need to have a valid bank account and a steady source of income.

See: Reliable Loan Apps in Nigeria

5. Renmoney Loan App

quick loan in Nigeria -renmoney

Renmoney is a legit loan app in Nigeria that provides loans of up to N6 million to individuals and small businesses.

The loan application process on Renmoney is simple and straightforward, and funds are disbursed within 24 hours of approval. Interest rates on Renmoney loans start at 4.5%.

Read the Renmoney Loan Review>>

6. Kiakia

kiakia loans

Kiakia is an online lending platform that offers quick loans to individuals and small businesses.

With Kiakia, you can access loans of up to N200,000 with interest rates starting at 5.6%. The loan application process is simple, and funds are disbursed within 24 hours of approval.

Also See: Top Approved Loan Companies in Nigeria

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7. Aella Credit

aella credit loan

Aella Credit is a loan app that offers loans of up to N720,000 to individuals and small businesses.

The loan application process on Aella Credit is straightforward, and funds are disbursed within 24 hours of approval. Interest rates on Aella Credit loans start at 4%.

8. Specta Loan

specta loan

Specta is an online lending platform that provides loans of up to N5 million to individuals and small businesses.

The loan application process on Specta is straightforward, and funds are disbursed within minutes of approval. Interest rates on Specta loans start at 1.5%.

Checkout: Best Instant Loan Apps without BVN in Nigeria

9. Branch Loan

download branch loan app on iphone

Branch is a loan app that provides loans of up to N200,000 to individuals and small businesses.

The loan application process on Branch is simple, and funds are disbursed within minutes of approval. Interest rates on Branch loans start at 15%.

10. QuickCheck

quickcheck loan

QuickCheck is a loan app that provides loans of up to N30,000 to individuals and small businesses.

The loan application process on QuickCheck is straightforward, and funds are disbursed within minutes of approval. Interest rates on QuickCheck loans start at 1%.

11. C24

c24

C24 is a legit loan app that offers loans of up to N7 million to individuals and small businesses.

The loan application process on C24 is simple, and funds are disbursed within 24 hours of approval. Interest rates on C24 loans start at 4%.

Also See: Top New Loan Apps in Nigeria

12. Zedvance

zedvance loan

Zedvance is a legit loan app that provides loans of up to N5 million to individuals and small businesses.

The loan application process on Zedvance is straightforward, and funds are disbursed within 24 hours of approval. Interest rates on Zedvance loans start at 4%.

13. FINT

fint loan

FINT is a legit loan app that provides loans of up to N10 million to individuals and small businesses.

The loan application process on FINT is simple, and funds are disbursed within 24 hours of approval. Interest rates on FINT loans start at 3%.

14. Credit Direct

Credit Direct is a loan app that provides loans of up to N500,000 to individuals and small businesses.

The loan application process on Credit Direct is easy, and funds are disbursed within 24 hours of approval. Interest rates on Credit Direct loans start at 4%.

See: Best Loan Apps for Iphone in Nigeria

15. Page Financials

page financials loan

Page Financials is a legit loan app that offers loans of up to N5 million to individuals and small businesses.

The loan application process on Page Financials is straightforward, and funds are disbursed within 24 hours of approval. Interest rates on Page Financials loans start at 5%.

16. Lidya

Lidya

Lidya is a legit loan app that provides loans of up to N50 million to SMEs.

The loan application process on Lidya is straightforward, and funds are disbursed within 24 hours of approval. Interest rates on Lidya loans start at 1.16%.

17. Rosabon Finance

Rosabon Finance is a loan app that provides personal and business loans of up to N6 million to individuals and SMEs.

The loan application process on Rosabon Finance is straightforward, and funds are disbursed within 24 hours of approval. Interest rates on Rosabon Finance loans start at 4%.

18. Zedcrest Capital

Zedcrest Capital is a legit loan app that provides loans of up to N10 million to individuals and SMEs. The loan application process on Zedcrest

Capital is easy, and funds are disbursed within 24 hours of approval. Interest rates on Zedcrest Capital loans start at 4%.

19. Migo

Migo loan code - migo loan repaymentrepayment

Migo is a loan app that provides personal loans of up to N500,000 to individuals.

The loan application process on KwikMoney is straightforward, and funds are disbursed within minutes of approval. Interest rates on.

20. EaseMoni

easeMoni-loan

Easemoni is a secure and safe loan app that offers instant loans in Nigeria. You can get an Easemoni loan in a few minutes, you can also cancel the loan application in 24 hours.

Easemoni uses the data from your phone including your financial transaction messages, and your reason for borrowing is combined with your loan repayment history to build an individualised credit score and determine whether you’re eligible for a loan or not.

The interest rate for an Easemoni loan depends on your credit evaluation by the app as well as your product loyalty.

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