Nigeria Best Loan App

Securing a loan for personal or business purposes has evolved into a more seamless process; with a smartphone and internet connection anybody with a bank account can put in a loan request at any time and receive it instantly, in most cases. Some loan companies even allow you to use a feature phone by dialing a particular USSD code. 

Here are some of the best instant loan apps democratizing access to credit and bridging financial inclusion.


FairMoney is another fast, reliable and free Android loan app that’s available in Nigeria and India. 

Loan amounts on this app range between ₦1,500 ($3.6) to ₦500,000 ($1215.07) with repayment periods from 61 days to 1 year at monthly interest rates between 2.5% and 30%. 

Palm Credit

Palmcredit loan apps allow users to borrow instant money online with a ‘flexible repayment plan and favorable interest rate.” The loan amount is between the range of ₦5,000 ($12.15) to ₦300,000 ($729.04).

Palm credit’s interest rate is between 4% to 24%. The app provides two flexible repayment options of 91days and 365days, leaving users to pick which is favorable.

Quick Credit

 QuickCheck promises its users they’ll never go broke again. Artificial intelligence is used to run credit scoring and make instant loan decisions.

The loan amount ranges from ₦1,500($3.6) to ₦500,000 ($1215.07) with interest rates ranging from 2% – 30%. Repayment runs through 30 days to six months, depending on the loan type.


Launched in 2017, Branch makes getting a personal loan simple by providing an app that has a seamless onboarding process. Branch uses the user’s phone data including SMS history to verify identity and create a credit score. 

It operates in four countries – Nigeria, Kenya, Tanzania and India – and its loan amount and interest rate in each country are different. 

For instance in Nigeria, loan amounts are from ₦1,000 ($2.43) to ₦200,000 ($486.03) with monthly interest between 1.6% and 23%, depending on the loan amount and repayment history. While in Tanzania, loan amounts range from Tsh 5,000 ($2.16) to Tsh 700,000 ($301.87) with monthly interest between 4% and 27%, also depending on the same conditions.


Originally launched as PayLater, Carbon gives instant credit access to anyone in need of an urgent loan within minutes. 

Carbon requires its users to input their Bank Verification Number (BVN) for verification, and once that’s done they can request for a loan.

Carbon loans range from ₦1,500 ($3.6) to ₦1m ($2430.13) in Nigeria and Ksh 500 ($4.55) to Ksh 30,000 ($273.10) in Kenya; it allows repayments over a maximum of 64 weeks with interest ranging from 1.75% – 30%, with an equivalent monthly interest rate of 1 – 21%.

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What I Do With My Bo*bs Is No One Business – Angel Bbnaija

Reality TV star Angel Agnes Smith, said her b*obs and whatever she does with them is no-one’s business. And that she is strategic and smart.

Angel made this known in an interview with TheSun while reacting to the question about her most prized possession that she would love to insure.

“Honestly, it’s not anybody’s business what I do with my b*obs. I will rather insure my eyes because I have an intense eyes alongside my most prized possession which is my mind,” she said.

Speaking further, Angel said she knew people were going to drag her for wearing revealing clothes on Big Brother Naija show but she didn’t care.

“I am not stereotypical. I don’t think the way every other person thinks. I am strategic and smart. My most prized possession is my mind, as it has always put me in many beautiful positions,” she said.

“Actually, it has been a blessing because once my mind is active, I go to work. My mind has put me in many beautiful places and not my physical endowment or appearance. It’s my mind that took me to Big Brother and gave me this huge platform that has made so many people now want to listen to me,”

Angel hints that now that she is in the spotlight, nothing significant would change about her personality.

“Before the Big Brother, I was a bit reserved compared to when I was in the house where I had to push my emotions aside just to participate in some of the games, even if I didn’t feel like doing it. Now outside the house, I am back to my natural self and the way I talk, dress and have fun, which I am not going to tone down, it’s nobody’s business” she added.