Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

₦1k ₦100k
₦15,000
Personal Business

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2

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50+ lenders
3 min to compare
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Recently added

APR

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First Bank SME Business Loan

Business

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

Nigerian registered business

First Bank business account

⚡ 1-2 weeks Check rates →
Amount ₦500k
Term 12–60mo

APR

60.0%

QuickCheck Personal Loan

Personal

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

No collateral; smartphone app application

⚡ 5 minutes Check rates →
Amount ₦1.5k–₦1M
Term 3–12mo

APR

—

Lidya Business Loan

Business

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

Nigerian registered business

6+ months trading history

⚡ 24-48 hours Check rates →
Amount ₦150k
Term 1–12mo

APR

25.44%

to 31.8%

Renmoney Personal Loan

Personal

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.

Digital application through the Renmoney app; identity and income checks may apply

⚡ fast app-based approval Check rates →
Amount ₦50k
Term 3–24mo

APR

—

Zenith Bank Business Loan

Business

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

Nigerian registered business

Zenith Bank business account

⚡ 1-2 weeks Check rates →
Amount ₦1M
Term 12–60mo

APR

20.0%

to 28.0%

First Bank of Nigeria Personal Loan

Personal

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.

Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required

⚡ bank review and disbursement to salary account Check rates →
Amount ₦200k
Term 6–60mo

APR

—

UBA SME Business Loan

Business

Best for: Established Nigerian businesses seeking substantial funding to expand operations or invest in new projects.

Nigerian registered business

UBA business account

⚡ 1-2 weeks Check rates →
Amount ₦500k
Term 12–60mo

APR

28.5%

to 32.0%

UBA Personal Loan

Personal

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

Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows

⚡ Bank review and disbursement to salary account Check rates →
Amount ₦200k
Term 6–60mo

APR

—

Stanbic IBTC Business Loan

Business

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

Nigerian registered business

Stanbic IBTC business account

⚡ 1-2 weeks Check rates →
Amount ₦1M
Term 12–60mo

APR

30.0%

to 108.0%

Kuda Bank Overdraft

Personal

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

Kuda app account required; monthly installment repayment; no paperwork

⚡ minutes Check rates →
Amount ₦5k–₦250k
Term 3–12mo

APR

—

Access Bank SME Business Loan

Business

Best for: Established SMEs in Nigeria needing significant capital for expansion or operational costs.

Nigerian registered business

Access Bank business account

⚡ 1-2 weeks Check rates →
Amount ₦500k
Term 6–60mo

APR

24%

to 456%

FairMoney Personal Loan

Personal

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.

Monthly income of ₦1,000+; no collateral; no physical paperwork

⚡ 5 minutes Check rates →
Amount ₦1.5k–₦5M
Term 3–36mo

APR

—

GTBank Business Loan

Business

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

Nigerian registered business

GTBank business account

⚡ 1-2 weeks Check rates →
Amount ₦1M
Term 12–60mo

APR

35.4%

GTBank Salary Advance Personal Loan

Personal

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

Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report

⚡ instant Check rates →
Amount ₦5k–₦5M
Term 3–12mo

APR

48.0%

Stanbic IBTC Personal Loan

Personal

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.

Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks

⚡ instant approval Check rates →
Amount ₦100k
Term 6–24mo

APR

54%

to 195%

Carbon Personal Loan

Personal

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.

No collateral; no guarantor; no paperwork

⚡ minutes Check rates →
Amount ₦2.5k–₦1M
Term 3–12mo

APR

36.0%

to 99.0%

Branch Personal Loan

Personal

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

Phone number or Facebook account, ID number, and mobile money or bank account

⚡ minutes to 24 hours Check rates →
Amount ₦6k–₦1M
Term 4–52mo

Latest from the blog

Navigating Nigeria's Top Personal Loans for 2026

Explore Nigeria's leading personal loans with insights on APRs, eligibility, and approval speeds. From GTBank's QuickCredit to UBA's high ceilings, find the best match for your needs.