Every lender on Credit Nigeria is licensed and thoroughly vetted. Browse our network of trusted lending partners, compare their terms, and find the right fit for your needs.
Renmoney is one of Nigeria's most established digital lenders — a CBN-licensed microfinance bank operating since 2012 with NDIC-insured deposits. Offers personal loans up to ₦10M for salaried and self-employed borrowers.
Branch is a US-backed digital lender with 60M+ downloads across Africa. Offers AI-driven personal loans with no late fees — one of the few Nigerian lenders with this policy.
FairMoney is Nigeria's most downloaded fintech app with 10M+ installs. A CBN-licensed microfinance bank offering personal loans, savings, and financial services to Nigerian professionals.
QuickCheck uses AI-driven credit scoring to offer fast personal loans up to ₦1M. With 4.5★ and 219K reviews, it is one of the highest-rated loan apps in Nigeria.
Creditville is a CBN-regulated microfinance bank — part of the Creditville Group with 5 subsidiaries. Offers personal and business loans up to ₦6M through both web and mobile app.
Aella is a Y Combinator and 500 Global-backed fintech offering personal loans, savings, bill payments, and micro-insurance. Acquired Flourish MFB for CBN licensing.
Zedvance is a CBN-licensed finance company with 2M+ loans disbursed. Offers quick loans, salary loans, business loans, and bill payments up to ₦5M.
Letshego is a microfinance bank with 17 physical branches, 200K+ customers, and the widest product range — consumer, SME, housing, agriculture, and education loans up to ₦20M. AFAWA Bank of the Year.
Koins offers the most competitive rate in the Nigerian digital lending market — 5% flat per annum. A CBN-licensed microfinance bank with NDIC deposit insurance, ideal for salaried borrowers with complete documentation.
KiaKia is Nigeria's pioneer peer-to-peer (P2P) lending platform — a CBN-licensed fintech operating since 2016. Unique dual model: borrowers get quick unsecured loans while investors fund vetted loans and earn 12-40% returns.
Urgent 10k is an FCCPC-approved microloan app offering emergency cash from ₦5,000 to ₦100,000 with a competitive 3% monthly interest rate (36% APR) and extended 60-180 day repayment periods.
KwikPay Credit has been lending since 2013 — one of Nigeria's longest-running independent digital lenders. Offers nano loans, personal, business, and diaspora loans up to ₦10M with no collateral.
Irorun is an ethical micro-lending platform — no contact-shaming, transparent terms, and a loyalty program that rewards repeat borrowers with lower rates and even interest-free loans. Loans from ₦2K to ₦50K.
Trivista is an FCCPC-approved lender offering payday, personal, LPO finance, group loans, and SME credit since 2015. Reducing balance interest calculation and no collateral for personal loans.
MyCashier combines lending and savings — Vault Savings at 25% PA paid upfront, plus nano loans from ₦3,000. 842K+ downloads. Overdraft facility lets you borrow 70% of your savings balance.
Entourage Loans is a well-established microlender with 150K+ customers across 29 states. AQAA 2025 "Africa's Best Quality Financial Institution of the Decade." 60% of loans go to women-owned businesses.
Gap Finance is an FCCPC-approved digital lender offering personal, business, and student loans — one of the few Nigerian digital lenders with a student loan product. Also offers savings up to 24% PA.
Nolt Finance is dual-regulated (CBN finance company + FCCPC) with the widest product range among digital lenders: salary advance, IPPIS, working capital, auto, asset, invoice, and annuitant loans.
Provest is a specialist lender for Nigerian civil servants on IPPIS and REMITA. No collateral required for loans up to ₦500,000 with 24-48 hour approval. Web-based application, no app required.
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