Carbon Personal Loan
Personal| APR | 54–195% |
|---|---|
| Amount | ₦2.5k–₦1M |
| Term | 3–12 mo |
| Speed | minutes |
No collateral; no guarantor; no paperwork
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First Bank SME Business Loan
Business| APR | — |
|---|---|
| Amount | ₦500k |
| Term | 12–60 mo |
| Speed | 1-2 weeks |
Nigerian registered business · First Bank business account · Financial statements required
QuickCheck Personal Loan
Personal| APR | 60.0% |
|---|---|
| Amount | ₦1.5k–₦1M |
| Term | 3–12 mo |
| Speed | 5 minutes |
No collateral; smartphone app application
Lidya Business Loan
Business| APR | — |
|---|---|
| Amount | ₦150k |
| Term | 1–12 mo |
| Speed | 24-48 hours |
Nigerian registered business · 6+ months trading history · Digital application process
FairMoney Personal Loan
Personal| APR | 24–456% |
|---|---|
| Amount | ₦1.5k–₦5M |
| Term | 3–36 mo |
| Speed | 5 minutes |
Monthly income of ₦1,000+; no collateral; no physical paperwork
UBA SME Business Loan
Business| APR | — |
|---|---|
| Amount | ₦500k |
| Term | 12–60 mo |
| Speed | 1-2 weeks |
Nigerian registered business · UBA business account · Financial statements and projections
GTBank Salary Advance Personal Loan
Personal| APR | 35.4% |
|---|---|
| Amount | ₦5k–₦5M |
| Term | 3–12 mo |
| Speed | instant |
Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
GTBank Business Loan
Business| APR | — |
|---|---|
| Amount | ₦1M |
| Term | 12–60 mo |
| Speed | 1-2 weeks |
Nigerian registered business · GTBank business account · Minimum 2 years trading history
Branch Personal Loan
Personal| APR | 36.0–99.0% |
|---|---|
| Amount | ₦6k–₦1M |
| Term | 4–52 mo |
| Speed | minutes to 24 hours |
Phone number or Facebook account, ID number, and mobile money or bank account
Stanbic IBTC Business Loan
Business| APR | — |
|---|---|
| Amount | ₦1M |
| Term | 12–60 mo |
| Speed | 1-2 weeks |
Nigerian registered business · Stanbic IBTC business account · Part of Standard Bank Group
First Bank of Nigeria Personal Loan
Personal| APR | 20.0–28.0% |
|---|---|
| Amount | ₦200k |
| Term | 6–60 mo |
| Speed | bank review and disbursement to salary account |
Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
Zenith Bank Business Loan
Business| APR | — |
|---|---|
| Amount | ₦1M |
| Term | 12–60 mo |
| Speed | 1-2 weeks |
Nigerian registered business · Zenith Bank business account · Financial statements required
UBA Personal Loan
Personal| APR | 28.5–32.0% |
|---|---|
| Amount | ₦200k |
| Term | 6–60 mo |
| Speed | Bank review and disbursement to salary account |
Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
Access Bank SME Business Loan
Business| APR | — |
|---|---|
| Amount | ₦500k |
| Term | 6–60 mo |
| Speed | 1-2 weeks |
Nigerian registered business · Access Bank business account · Business plan required
Kuda Bank Overdraft
Personal| APR | 30.0–108.0% |
|---|---|
| Amount | ₦5k–₦250k |
| Term | 3–12 mo |
| Speed | minutes |
Kuda app account required; monthly installment repayment; no paperwork
Renmoney Personal Loan
Personal| APR | 25.44–31.8% |
|---|---|
| Amount | ₦50k |
| Term | 3–24 mo |
| Speed | fast app-based approval |
Digital application through the Renmoney app; identity and income checks may apply
Stanbic IBTC Personal Loan
Personal| APR | 48.0% |
|---|---|
| Amount | ₦100k |
| Term | 6–24 mo |
| Speed | instant approval |
Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
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