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Personal Loans
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Kuda Bank Overdraft

Personal
Kuda
APR
30.0–108.0%
/yr
Amount
₦5k–₦250k
Term
3–12mo
Requirements
  • Kuda app account required; monthly installment repayment; no paperwork

First Bank SME Business Loan

Business
First Bank of Nigeria
APR
—
/yr
Amount
₦500k
Term
12–60mo
Requirements
  • Nigerian registered business
  • First Bank business account
  • Financial statements required

Renmoney Personal Loan

Personal
Renmoney
APR
25.44–31.8%
/yr
Amount
₦50k
Term
3–24mo
Requirements
  • Digital application through the Renmoney app; identity and income checks may apply

Lidya Business Loan

Business
Lidya
APR
—
/yr
Amount
₦150k
Term
1–12mo
Requirements
  • Nigerian registered business
  • 6+ months trading history
  • Digital application process

FairMoney Personal Loan

Personal
FairMoney
APR
24–456%
/yr
Amount
₦1.5k–₦5M
Term
3–36mo
Requirements
  • Monthly income of ₦1,000+; no collateral; no physical paperwork

UBA SME Business Loan

Business
United Bank for Africa
APR
—
/yr
Amount
₦500k
Term
12–60mo
Requirements
  • Nigerian registered business
  • UBA business account
  • Financial statements and projections

Stanbic IBTC Personal Loan

Personal
Stanbic IBTC
APR
48.0%
/yr
Amount
₦100k
Term
6–24mo
Requirements
  • Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks

GTBank Business Loan

Business
Guaranty Trust Bank
APR
—
/yr
Amount
₦1M
Term
12–60mo
Requirements
  • Nigerian registered business
  • GTBank business account
  • Minimum 2 years trading history

Branch Personal Loan

Personal
Branch
APR
36.0–99.0%
/yr
Amount
₦6k–₦1M
Term
4–52mo
Requirements
  • Phone number or Facebook account, ID number, and mobile money or bank account

Zenith Bank Business Loan

Business
Zenith Bank
APR
—
/yr
Amount
₦1M
Term
12–60mo
Requirements
  • Nigerian registered business
  • Zenith Bank business account
  • Financial statements required

GTBank Salary Advance Personal Loan

Personal
GTBank
APR
35.4%
/yr
Amount
₦5k–₦5M
Term
3–12mo
Requirements
  • Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report

Stanbic IBTC Business Loan

Business
Stanbic IBTC Bank
APR
—
/yr
Amount
₦1M
Term
12–60mo
Requirements
  • Nigerian registered business
  • Stanbic IBTC business account
  • Part of Standard Bank Group

First Bank of Nigeria Personal Loan

Personal
First Bank of Nigeria
APR
20.0–28.0%
/yr
Amount
₦200k
Term
6–60mo
Requirements
  • Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required

UBA Personal Loan

Personal
UBA
APR
28.5–32.0%
/yr
Amount
₦200k
Term
6–60mo
Requirements
  • Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows

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