Independent Comparison

Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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0% Credit Impact

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Personal Loans

Compare rates from multiple lenders — no credit impact

Debt Consolidation

Combine debts into one lower-rate monthly payment

Home Improvement

Fund renovations with competitive fixed-rate loans

Auto Loans

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Student Refinancing

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Business Loans

Financing for growth, equipment, or working capital

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GTBank Business Loan

Guaranty Trust Bank

Established Nigerian businesses with a solid trading history seeking significant funding for expansion.

With loan amounts up to ₦500 million, GTBank provides substantial financial backing for growing businesses. However, the mandatory two-year trading history may exclude startups and new ventures.

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FairMoney Personal Loan

FairMoney

This loan is best for individuals looking to build their credit scores while needing immediate access to funds. It's particularly suitable for those with a developing credit history.

FairMoney offers a quick and efficient way to access personal loans with automated credit scoring, making it a convenient choice for many. However, potential borrowers should consider the interest rates and terms carefully before applying.

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First Bank SME Business Loan

First Bank of Nigeria

Established businesses with a good credit history looking for significant financial support.

First Bank provides for SMEs needing substantial funding, but the requirement for collateral may deter some applicants. the approval time of 1-2 weeks is competitive but could be slower compared to some fintech alternatives.

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Carbon Personal Loan

Carbon

This loan is best for those looking to build their credit score while accessing up to NGN 1,000,000 instantly via a mobile app.

Carbon Personal Loan offers a quick and convenient way to access funds without collateral, ideal for individuals needing immediate cash.

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Stanbic IBTC Business Loan

Stanbic IBTC Bank

Nigerian entrepreneurs with existing Stanbic IBTC accounts seeking substantial working capital or trade finance.

With a quick approval time of 1-2 weeks, this loan is appealing for businesses needing significant funds. However, the requirement for a Stanbic IBTC business account may limit accessibility for some entrepreneurs.

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QuickCheck Personal Loan

QuickCheck

This loan is ideal for individuals looking for quick financing solutions without extensive documentation, especially those building credit.

QuickCheck offers a user-friendly loan experience with rapid disbursal times, but borrowers should be cautious of the short loan terms.

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Zenith Bank Business Loan

Zenith Bank

Established Nigerian businesses with solid financial records looking for substantial funding.

The quick approval time of 1-2 weeks is especially for startups in need of immediate capital. However, the requirement for detailed financial statements may deter smaller businesses or those without structured accounting.

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First Bank Personal Loan Against Salary

First Bank of Nigeria

This loan is best for individuals with a high credit rating looking to fund personal projects or consolidate debt over an extended period, benefiting from competitive rates.

The First Bank of Nigeria Personal Loan is a robust option for those with a strong credit profile seeking long-term financing. Its established reputation offers peace of mind.

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UBA SME Business Loan

United Bank for Africa

Nigerian small to medium enterprises with solid financial projections and collateral who need significant funding for growth.

This loan is a strong option for established Nigerian SMEs seeking substantial funding, with competitive amounts and terms. However, prepare for possible collateral requirements and lengthy approval times.

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GTBank QuickCredit

GTBank

This loan is ideal for salary earners looking for quick access to funds, particularly in emergencies or for unexpected expenses.

GTBank's Salary Advance offers a convenient way to access funds quickly, but borrowers should assess their repayment capacity carefully.

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Lidya Business Loan

Lidya

Established Nigerian businesses seeking quick funding for operational expenses or expansion.

Lidya's business loan provides fast access to funds, making it ideal for urgent financial needs. However, the requirement for 6+ months of trading history may exclude newer businesses from eligibility.

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Branch Personal Loan

Branch

This service is best for individuals with limited access to traditional banking who need immediate financial assistance without extensive paperwork.

Branch offers convenient, no-collateral loans through its mobile app, making it a solid choice for those needing quick funds.

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Access Bank SME Business Loan

Access Bank

Established SMEs in Nigeria needing significant capital for expansion or operational costs.

With a minimum loan amount of ₦500,000 and a maximum of ₦500,000,000, this product is excellent for established SMEs looking for substantial funding. However, the requirement for collateral on larger loans can be a significant hurdle for smaller businesses.

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Stanbic IBTC Unsecured Personal Loan

Stanbic IBTC

This loan is best for individuals looking for quick access to funds with the ability to choose repayment terms that fit their budget.

Stanbic IBTC Personal Loan offers a straightforward borrowing solution for salary earners with flexible terms and competitive rates.

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Kuda Personal Loan

Kuda

This service is best for individuals building their credit and seeking quick access to funds without lengthy approval processes.

Kuda Bank offers a convenient option for small personal loans through its user-friendly app, ideal for those looking to manage unexpected expenses.

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Renmoney Personal Loan

Renmoney

This service is best for individuals or small businesses looking to build their credit while accessing loans online through an app or website.

Renmoney offers flexible personal and business loans with longer terms compared to many fintechs, making it a viable option for those needing extended repayment plans.

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