Rate breakdowns and lender snapshots — no hype, just honest comparisons.
Digital application through the Renmoney app; identity and income checks may apply
APR
25.44–31.8%
Term
3–24mo
Amount
₦50k
Type
Personal
Kuda app account required; monthly installment repayment; no paperwork
APR
30.0–108.0%
Term
1–12mo
Amount
₦5k–₦250k
Type
Personal
No collateral; smartphone app application
APR
60.0%
Term
1–12mo
Amount
₦1.5k–₦1M
Type
Personal
Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
APR
20.0–28.0%
Term
6–60mo
Amount
₦200k
Type
Personal
APR
54–195%
Term
2–12mo
Amount
₦2.5k–₦1M
Type
Personal
Monthly income of ₦1,000+; no collateral; no physical paperwork
APR
24–456%
Term
1–36mo
Amount
₦1.5k–₦5M
Type
Personal
Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
APR
35.4%
Term
1–12mo
Amount
₦5k–₦5M
Type
Personal
Phone number or Facebook account, ID number, and mobile money or bank account
APR
36.0–99.0%
Term
4–52mo
Amount
₦6k–₦1M
Type
Personal
Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
APR
28.5–32.0%
Term
6–60mo
Amount
₦200k
Type
Personal
Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
APR
48.0%
Term
6–24mo
Amount
₦100k
Type
Personal
Tailored loan options for freelancers needing flexible terms and quick funding
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