Nigeria's loan matching platform
Stop guessing
which lender will approve you.
Answer five questions. We show you only the lenders built for your exact situation, filtered by product, eligibility, and income type. Before you apply.
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No registration needed
32 verified lenders
Live
KwikPay Credit: personal, business & rent loans FCCPC Approved
Carbon: instant personal credit up to N5M
FairMoney: business & personal up to N10M
Kwaba: pays your landlord directly Lagos & Abuja
Branch: app-based lending no collateral needed
Itura Mediloan: disburses directly to hospital
NELF Federal Student Loan: 0% interest
KwikPay Credit: personal, business & rent loans FCCPC Approved
Carbon: instant personal credit up to N5M
FairMoney: business & personal up to N10M
Kwaba: pays your landlord directly Lagos & Abuja
Branch: app-based lending no collateral needed
Itura Mediloan: disburses directly to hospital
NELF Federal Student Loan: 0% interest
FIND YOUR MATCH
Five questions. The right lender for your situation.
Step 1: Tell us your situation in five quick questions.
Step 2: We filter and rank lenders by how well they match your answers.
Step 3: Apply directly on the lender's website. Your application data stays between you and the lender.
What do you need the money for?
We only show lenders that have this specific product. Nothing else.
What loan amount are you applying for?
We surface lenders whose disbursement ceiling covers your request.
How quickly do you need the money?
We surface lenders who can meet your timeline first.
How do you earn your income?
Many lenders have strict eligibility criteria around income type.
Do you have an active bank account with 6+ months of transactions?
This is how Nigerian lenders assess your creditworthiness without collateral.
Match complete
Lenders that offer what you need
Ranked by how well each lender matches your situation.
BROWSE BY SITUATION
What do you need money for?
Each guide below lists only the lenders that specifically offer that product — with verified eligibility requirements from their own websites.
AVAILABLE NOW
Medical / Emergency
A small number of lenders in Nigeria have a dedicated medical loan product. The rest are general personal loans usable for medical bills. We explain the difference clearly inside.
Dedicated
medical loan products available
3–5 min
Itura approval
CBN LICENSEDItura MediloanPage Financials
AVAILABLE NOW
School or Exam Fees
NELF is Nigeria's only 0% interest student loan. Private options from Accion MFB and Rosabon are faster. We explain exactly who qualifies for each.
4
education lenders
0%
NELF interest rate
CBN LICENSEDNELFAccion MFBRosabon
AVAILABLE NOW
Business / SME Capital
KwikPay Credit, FairMoney Business, Carbon Business and Lendha all have dedicated SME products. Scored on business cashflow, not personal salary.
5
SME lenders
N10M
max (FairMoney)
CBN LICENSEDKwikPay CreditCarbon BizFairMoney Biz
AVAILABLE NOW
Salary / Payday Advance
For verified salary earners only. KwikPay Credit, Specta by Sterling, and QuickCheck all auto-deduct on payday. You cannot access these without a verifiable employer.
5
salary lenders
50%
max of net salary
FCCPC APPROVEDKwikPay CreditSpectaQuickCheck
AVAILABLE NOW
Rent / Accommodation
KwikPay Credit, Kwaba, Yalo, and PayMyRent exist specifically for rent. Kwaba pays your landlord directly. Never use a nano loan for annual rent.
5
rent lenders
12 mo
max repayment
CBN LICENSEDKwikPay CreditKwabaYalo
AVAILABLE NOW
Device or Asset Finance
EasyBuy applies at checkout in-store. AltMobile by AltBank offers 0% on select phones. Credit Direct handles high-value asset finance.
3
device lenders
0%
AltMobile option
FCCPC APPROVEDEasyBuyAltMobileCredit Direct
LOAN GUIDE
BORROWER REVIEWS
What borrowers actually experienced.
Every review is posted by someone who applied for a loan in Nigeria. We do not edit, remove, or incentivise any of them.
Share your experience
Applied for a loan recently? Your honest account helps the next borrower decide.
Please write at least 40 characters to help other borrowers.
Reviews appear after a short moderation check, usually within 24 hours. Your first name and lender will be shown. No email required.
LENDER DIRECTORY
All verified lenders on FundMe.ng
Every lender below holds an active CBN LICENCE or FCCPC REGISTRATION at time of listing. Links go directly to their application page.
Verified lender directoryUpdated May 2026
#
Lender
Licence
Best for
Apply
We do not lend money.
FundMe.ng is a free matching platform. We have no financial stake in which lender you choose and we never touch your application.
Every lender is CBN-licensed or FCCPC-approved.
All lenders on this platform hold an active CBN licence or FCCPC registration. We do not list unlicensed or predatory operators.
Reviews are from real borrowers.
Every review is submitted by an actual borrower. We moderate for spam only. We do not edit content, suppress negative reviews, or pay for reviews.
FREQUENTLY ASKED QUESTIONS
Questions Nigerians ask about loans
Which loan app gives the fastest loan in Nigeria?
Branch and Carbon are among the fastest loan apps in Nigeria according to their own marketing. KwikPay Credit typically disburses within 24 hours. Actual disbursement times vary by applicant — check borrower reviews on FundMe.ng for real experiences. All are CBN-licensed or FCCPC-approved.
What is the best loan app for salary earners in Nigeria?
For salary earners in Nigeria, KwikPay Credit, Specta by Sterling Bank, and QuickCheck are top options. They offer salary advance products with auto-deduction on payday and no collateral required. A verifiable employer is mandatory for all three.
How can I get a rent loan in Nigeria?
KwikPay Credit, Kwaba, Yalo, and PayMyRent are rent-specific lenders in Nigeria. Kwaba pays your landlord directly and is available in Lagos and Abuja. Yalo operates nationwide. All require proof of employment and a minimum monthly income. Never use a 30-day nano loan for annual rent.
Which lender gives business loans in Nigeria without collateral?
FairMoney Business offers SME loans up to N10M without collateral for registered Nigerian businesses. Carbon Business and KwikPay Credit also offer collateral-free business credit facilities. CAC registration is not always required but unlocks higher limits.
Is FundMe.ng a loan company?
No. FundMe.ng is a free loan comparison and matching platform. We do not issue loans, handle applications, or store your financial data. All lenders listed hold active CBN licences or FCCPC registration. We are completely neutral.
How do I get a student loan in Nigeria?
The NELF Federal Student Loan charges 0% interest and repayment starts 2 years after graduation. Apply through your institution's NELF desk — not directly on the website. Private options include Accion MFB School Fees Loan and Rosabon Finance Education Loan for faster disbursement.
What is the difference between CBN-licensed and FCCPC-approved lenders?
CBN-licensed lenders are microfinance banks or finance companies regulated by the Central Bank of Nigeria. FCCPC-approved lenders are digital lending apps registered under the Federal Competition and Consumer Protection Commission's Digital Lending Guidelines. Both are legally regulated. FundMe.ng only lists lenders with one of these two certifications.
The right lender is already on this list. Let us find them.
Built on data. Free to use. No account needed. Just five questions between you and the right credit facility.
No registration·No spam·No hidden fees