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APR
28.5–32.0%
Amount
₦200k
Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
Term: 6–60mo
APR
35.4%
Amount
₦5k–₦5M
Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
Term: 1–12mo
APR
25.44–31.8%
Amount
₦50k
Digital application through the Renmoney app; identity and income checks may apply
Term: 3–24mo
APR
48.0%
Amount
₦100k
Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
Term: 6–24mo
APR
36.0–99.0%
Amount
₦6k–₦1M
Phone number or Facebook account, ID number, and mobile money or bank account
Term: 4–52mo
APR
54–195%
Amount
₦2.5k–₦1M
APR
60.0%
Amount
₦1.5k–₦1M
No collateral; smartphone app application
Term: 1–12mo
APR
20.0–28.0%
Amount
₦200k
Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
Term: 6–60mo
APR
24–456%
Amount
₦1.5k–₦5M
Monthly income of ₦1,000+; no collateral; no physical paperwork
Term: 1–36mo
APR
30.0–108.0%
Amount
₦5k–₦250k
Kuda app account required; monthly installment repayment; no paperwork
Term: 1–12mo
