Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
- Signal
- High
- Review
- Clear
- Speed
- Fast
Scout Picks
Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
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Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
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Recently added
- Rate
- 36.0–99.0%
- Amount
- ₦6k–₦1M
- Timing
- minutes to 24 hours
No-collateral personal loans with instant approval via the Branch mobile app.
- Phone number or Facebook account, ID number, and mobile money or bank account
- Rate
- —
- Amount
- ₦5k–₦150k
- Timing
- minutes
Digital-first bank offering small personal loans through its popular mobile app.
- Kuda app account required; monthly installment repayment; no paperwork
- Rate
- 48.0%
- Amount
- ₦100k
- Timing
- instant approval
Personal loans from Stanbic IBTC with flexible repayment options for salary earners.
- Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
- Rate
- —
- Amount
- ₦200k
- Timing
- —
Personal loans from United Bank for Africa with pan-African presence and competitive terms.
- Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
- Rate
- 35.4%
- Amount
- ₦5k–₦5M
- Timing
- instant
Personal loans from one of Nigeria's largest commercial banks with competitive rates for salary earners.
- Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
- Rate
- 20.0–28.0%
- Amount
- ₦200k
- Timing
- bank review and disbursement to salary account
Personal and consumer loans from Nigeria's oldest and largest bank by customer base.
- Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
- Rate
- 54–195%
- Amount
- ₦2.5k–₦1M
- Timing
- minutes
Instant personal loans up to NGN 1,000,000 with no collateral. Quick disbursal via mobile app.
- No collateral; no guarantor; no paperwork
- Rate
- 60.0%
- Amount
- ₦1.5k–₦1M
- Timing
- 5 minutes
AI-powered instant loan app with NDPA-compliant data protection and flexible repayment.
- No collateral; smartphone app application
- Rate
- 25.44–31.8%
- Amount
- ₦50k
- Timing
- fast app-based approval
Personal and business loans with longer terms than most fintechs. Both app and web access.
- Digital application through the Renmoney app; identity and income checks may apply
- Rate
- 24–456%
- Amount
- ₦1.5k–₦5M
- Timing
- 5 minutes
Fast personal loans with automated credit scoring. CBN-licensed microfinance bank.
- Monthly income of ₦1,000+; no collateral; no physical paperwork