C Carbon Personal Loan Personal Carbon APR 54–195% /yr Amount ₦2.5k–₦1M Term 2–12mo Requirements No collateral; no guarantor; no paperwork
G GTBank Salary Advance Personal Loan Personal GTBank APR 35.4% /yr Amount ₦5k–₦5M Term 1–12mo Requirements Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
K Kuda Bank Overdraft Personal Kuda APR — /yr Amount ₦5k–₦150k Term 1–12mo Requirements Kuda app account required; monthly installment repayment; no paperwork
Q QuickCheck Personal Loan Personal QuickCheck APR 60.0% /yr Amount ₦1.5k–₦1M Term 1–12mo Requirements No collateral; smartphone app application
R 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
B 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
U UBA Personal Loan Personal UBA APR — /yr Amount ₦200k Term 6–60mo Requirements Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
F FairMoney Personal Loan Personal FairMoney APR 24–456% /yr Amount ₦1.5k–₦5M Term 1–36mo Requirements Monthly income of ₦1,000+; no collateral; no physical paperwork
S 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
F 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