Find the best lenders in Nigeria for your needs

A1Credit is a Nigerian digital consumer lending company operated by A1 Capital Solution Limited. It provides short-term unsecured loans through a mobile app and online channels, targeting salaried workers, self-employed individuals, and people who need quick access to emergency funds. The company describes itself as a Lagos State–approved lending house. It is not a deposit-taking bank. Instead, A1Credit operates in the digital lending / microcredit segment of Nigeria’s fintech ecosystem, where users can apply for small loans directly from their phones.

Amount

₦5,000 - ₦50,000

Tenor

7 - 30 days

Min. approval time

24 hrs

Countries

Interest rate

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Ajeloan is a Nigerian digital loan app operated by Rubystar Global Limited that provides short-term, instant loans to individuals through a mobile platform. It is designed for salary earners, small business owners, and individuals who need quick access to emergency cash without going through traditional bank processes. The app operates fully online, allowing users to apply, get verified, and receive loans directly into their bank accounts. Loan decisions are usually made quickly based on BVN, personal details, and credit assessment. Ajeloan typically offers small to medium-sized loans with short repayment periods and charges that include interest and processing fees.

Amount

₦5,000 - ₦100,000

Tenor

91 - 180 days

Min. approval time

24 hrs

Countries

Interest rate

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9Credit is a Nigerian digital lending app that provides quick short-term loans to individuals directly through mobile phones. It is designed for salary earners, small business owners, and individuals who need urgent cash without collateral or lengthy bank procedures. The platform offers fast loan approval and disbursement into users’ bank accounts after successful verification.

Amount

₦2,000 - ₦200,000

Tenor

91 - 120 days

Min. approval time

24 hrs

Countries

Interest rate

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9Money is a Nigerian digital lending platform that provides fast, short-term loans through a mobile app. It is designed for individuals who need urgent cash without collateral or lengthy bank processes. The platform is widely used by salary earners, students, and small business owners who need quick financial support for personal or emergency needs. 9Money operates fully online, allowing users to apply for loans directly through their Android device and receive funds quickly once approved. The platform is known for its simple application process, fast disbursement, and flexible repayment structure. Loans are usually small to medium-sized and are tailored for short-term financial gaps.

Amount

₦3,000 - ₦200,000

Tenor

91 - 365 days

Min. approval time

24 hrs

Countries

Interest rate

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Accion Microfinance Bank (Accion MFB) is a licensed Nigerian microfinance bank established in 2006 and operational since 2007. It focuses on providing loans, savings, and digital banking solutions to micro-entrepreneurs, salary earners, small business owners, and low-income individuals. The bank is well known for supporting SMEs and financially underserved customers across Nigeria.

Amount

₦50,000 - ₦500,000

Tenor

1 - 3 months

Min. approval time

24 hrs

Countries

Interest rate

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234 Loan is a Nigerian digital lending platform that provides fast and convenient short-term loans to individuals who need urgent financial support. The platform is designed for salary earners, self-employed workers, small business owners, and everyday Nigerians seeking quick access to credit through a mobile-first process. 234 Loan is known for simple applications, minimal paperwork, and fast disbursement for qualified borrowers.

Amount

₦5,000 - ₦1,000,000

Tenor

1 - 30 days

Min. approval time

24 hrs

Countries

Interest rate

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Aella Credit (Aella App) is a Nigerian digital microfinance platform licensed by the Central Bank of Nigeria (CBN). It is a fintech company that offers fast loans and a wide range of financial services through its mobile app. Aella is designed to help individuals and small businesses access credit, make payments, save money, and manage basic financial needs in one platform. The platform is fully digital, meaning users can apply for loans without visiting a physical bank. Loan approvals are based on BVN data, credit scoring, and basic personal information.

Amount

₦2,000 - ₦1,500,000

Tenor

61 - 365 days

Min. approval time

24 hrs

Countries

Interest rate

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The African Guarantee Fund (AGF) is a pan-African non-bank financial institution that operates across multiple African countries, including Chad. It was established in 2011 by development partners such as the African Development Bank, Denmark, and Spain to improve access to finance for small and medium-sized enterprises (SMEs). Unlike traditional lenders, AGF does not give loans directly to individuals or businesses. Instead, it works with banks and financial institutions by providing guarantees that reduce the risk of lending to SMEs. This makes it easier for businesses to access funding and supports economic growth, job creation, and poverty reduction across Africa.

Amount

US$0 - US$2,500,000

Tenor

1 - 84 months

Min. approval time

24 hrs

Countries

Interest rate

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AB Microfinance Bank Nigeria Limited is a nationally licensed microfinance bank regulated by the Central Bank of Nigeria (CBN). It focuses on providing loans, savings products, current accounts, fixed deposits, and payment services primarily to micro, small, and medium-sized enterprises (MSMEs), traders, entrepreneurs, and everyday Nigerians. Founded in 2008, the bank is part of the wider AccessHolding / AccessBank microfinance network, with shareholders that have included international development finance institutions. It has its headquarters in Lagos and branches across multiple Nigerian states.

Amount

₦15,000 - ₦20,000,000

Tenor

1 - 18 months

Min. approval time

24 hrs

Countries

Interest rate

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