Best Loan App in Nigeria 2022

If you have been trying to get a loan in Nigeria and you have been finding this very difficult, we are gladly introducing you to the era of loan mobile applications, bringing you financial solutions at the very point of your need. Take a look at our suggestions for the Best Loan App in Nigeria 2022.

It might not be very easy to get a loan in Nigeria, especially if you do not like approaching banks or physical loaning organizations, or corporations. With loaning apps, you can get loans online in the comfort of your home without initially visiting any physical outlets or having to deal with lenders in person.

Best Loan App in Nigeria 2022

Best Loan App in Nigeria 2022

Even with the surge in the number of loan apps in Nigeria, few of them have continued to maintain the standard of excellence, giving the best services even to people with very bad credit.

List Of Best Loan Apps in Nigeria             

The list below contains the best loan apps in Nigeria;

  • Carbon loan app
  • Branch instant loan app
  • Palmcredit instant loan app
  • Fairmoney instant loan app
  • QuickCheck loan app
  • Okash loan app
  • Umba instant loan app
  • Aella quick loan app
  • Kia Kia
  • KwikMoney (MIGO)
  • SokoLoan
  • CreditVille
  • Alat
  • Blocka Cash
  • Lidya
  • Page Financials

Top Loan Apps in Nigeria

Now, out of the list given above, ten of them are explained below;

Carbon Loan App

For many reasons, this loan app was ranked in number one place. Carbon is a digital bank that is not only used for loans but for other financial engagements such as investments, money transfers, airtime purchases, bill payments and so much more.

This app, also known as the pay later app is available for download on the Google play store and it allows you to access loans easily by just following a few easy processes.


Palm Credit is one of the most reliable apps In Nigeria that almost always has a loan to give. With Palm Credit, you can get a loan worth as low as N2000 and as high as N100,000.

The process of taking a loan with Palm credit is very easy and with very few steps, you will be done with your loan-getting or taking process.


With Fair money, you can get quick loans in Nigeria as fast as possible. it also has a very good service and an easy user interface. This app allows users to get loans as high as N150,000 and you do not need any form of paperwork or collateral.

One very unique thing about this app is that it let you make your repayments in installments When you pay your credit on time, it opens the way for you to get credit for higher amounts

With Fair money, you can also make bill payments and other transactions like airtime purchases.


The Branch loan platform is one of the best loan platforms in Nigeria. This platform doesn’t just operate in Nigeria, but in other countries such as Kenya, Mexico, and India.

Branch makes it very easy for you to access loans anytime and anywhere. You can sign up in seconds, apply for a loan and receive your money straight to your account. It is a very fast, convenient, and reliable way to access credit in Nigeria.


With Quick check on your phone, you can get loans instantly to your bank account. A quick check is one of the best loaning apps in the Federal Republic of Nigeria.

One wonderful thing about this app is that you can get loans with very little interest rates anywhere and anytime.  With Quick check, you can get up to 200,000 as fast as possible.

Aella Credit

One other trusted app in Nigeria that you can use to get loans in Nigeria is Aella Credit. Apart from the fact that they offer very good solutions and services, they have one of the best customer service teams ready to attend to your inquiries as fast as possible.

This app is available on the Google Play store for download. All you have to do is to fill up the necessary information to create an online account. After which, you can get a loan in minutes.

KwikMoney (MIGO)

The Quickmoney platform is rather different from other platforms. It gives access to loans as easily as possible without any hassles. You do not need any form of documentation to get the loan amount in your bank account within minutes. The earlier you repay your loan, the higher the loan amounts you can get next time.


Sokoloan is another app that cannot be forgotten fast or left out of the list. This loan app is very easy to use with a very convenient app user interface. With Sokoloan, you can get short-term loans anytime you want.

Sokoloan is a microfinance institution that tends to increase opportunities for the poor to access financial services by providing financial services to low-income entrepreneurs.

The earlier you pay back your loans, the more loans you will get on your next application.

Kia Kia Loan

The term ‘Kia Kia’ in Nigerian Yoruba language means, ‘fast’. This means that the loan application process is very fast.

This is also a very good application to get a loan from if you have a small business and you need funds.

Credit Ville

Credit Ville offers cash loans for salary earners and business owners to meet the urgent needs of various types.

With this application, you can get between N100,000 and N4000,000 for up to 18 months without collateral to meet your financial needs.

How To Get Loan Online in Nigeria

The fastest way to get a loan for emergency purposes in Nigeria is by doing it online. The mobile apps for online lending in Nigeria given above are the quickest ways to get a loan.

All you have to do in this case is to go to the Google play store, search for any of these apps and click the install button.

After that, you can now create an account with them from the app and apply for your loan.

Some of the benefits of getting a loan online are;

  • 24/7 access
  • No collateral
  • You can get your loan as fast as possible
  • The money will be credited directly to your bank account.

Best Loan App in Nigeria 2022 With Low-Interest Rate

The best loaning apps in Nigeria with the lowest interest on loans are;

  • Carbon Loaning app
  • Fair money
  • P2vest
  • Aella Credit
  • Branch Loan App

Frequently Asked Questions

Which Nigerian Banks Offer Loans with Low Interests?

The Top best apps with low-interest rates are;

  • GT Banks
  • Zenith bank
  • Polaris Bank
  • Access Bank

How Can I Get Money Urgently?

The best ways you can get money Urgently are;

  • Borrow From Chit Fund.
  • Get a Personal Loan.
  • A Take Loan from P2P Lending Platform.
  • Borrow Money from Friends or Family.
  • Withdraw Cash/Use the Maximum Limit from Your Credit Card.
  • Premature Withdrawal or Breaking of Fixed Deposit.
  • Sell your Gold.

Can I Get a Loan If I do Not Have a job?

Of course, you can. if you have other sources of income, you can use them to prove to your lender that you can make stable payments before due time.

Leave a Reply

Your email address will not be published. Required fields are marked *

%d bloggers like this: