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Compare personal loans

Estimated APR, monthly payment ranges, and repayment terms — side by side. Rates may vary by lender.

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No guaranteed approval. Compare total cost including fees before proceeding. Continue to lender or partner for full terms.

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Stanbic IBTC Business Loan

Stanbic IBTC Bank

Business
APR —
Amount ₦1M
Term 12–60 mo
Speed ⚡ 1-2 weeks

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

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Carbon Personal Loan

Carbon

Personal
APR 54–195%
Amount ₦2.5k–₦1M
Term 3–12 mo
Speed ⚡ minutes

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.

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UBA SME Business Loan

United Bank for Africa

Business
APR —
Amount ₦500k
Term 12–60 mo
Speed ⚡ 1-2 weeks

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

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Branch Personal Loan

Branch

Personal
APR 36.0–99.0%
Amount ₦6k–₦1M
Term 4–52 mo
Speed ⚡ minutes to 24 hours

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

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Zenith Bank Business Loan

Zenith Bank

Business
APR —
Amount ₦1M
Term 12–60 mo
Speed ⚡ 1-2 weeks

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

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Kuda Bank Overdraft

Kuda

Personal
APR 30.0–108.0%
Amount ₦5k–₦250k
Term 3–12 mo
Speed ⚡ minutes

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

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First Bank SME Business Loan

First Bank of Nigeria

Business
APR —
Amount ₦500k
Term 12–60 mo
Speed ⚡ 1-2 weeks

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

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First Bank of Nigeria Personal Loan

First Bank of Nigeria

Personal
APR 20.0–28.0%
Amount ₦200k
Term 6–60 mo
Speed ⚡ bank review and disbursement to salary account

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.

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Lidya Business Loan

Lidya

Business
APR —
Amount ₦150k
Term 1–12 mo
Speed ⚡ 24-48 hours

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

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FairMoney Personal Loan

FairMoney

Personal
APR 24–456%
Amount ₦1.5k–₦5M
Term 3–36 mo
Speed ⚡ 5 minutes

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.

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GTBank Business Loan

Guaranty Trust Bank

Business
APR —
Amount ₦1M
Term 12–60 mo
Speed ⚡ 1-2 weeks

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

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Stanbic IBTC Personal Loan

Stanbic IBTC

Personal
APR 48.0%
Amount ₦100k
Term 6–24 mo
Speed ⚡ instant approval

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.

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GTBank Salary Advance Personal Loan

GTBank

Personal
APR 35.4%
Amount ₦5k–₦5M
Term 3–12 mo
Speed ⚡ instant

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

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QuickCheck Personal Loan

QuickCheck

Personal
APR 60.0%
Amount ₦1.5k–₦1M
Term 3–12 mo
Speed ⚡ 5 minutes

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

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Renmoney Personal Loan

Renmoney

Personal
APR 25.44–31.8%
Amount ₦50k
Term 3–24 mo
Speed ⚡ fast app-based approval

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.

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UBA Personal Loan

UBA

Personal
APR 28.5–32.0%
Amount ₦200k
Term 6–60 mo
Speed ⚡ Bank review and disbursement to salary account

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

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Debunking Personal Loan Myths: What You Really Need to Know

Discover the truth about personal loans, from hidden fees to approval myths, and make informed borrowing decisions.

Debunking Personal Loan Myths: What You Need to Know

Uncover common misconceptions about personal loans, from hidden fees to eligibility myths. Get the facts before you apply.