Best Apps For Personal Loan

You may have heard of personal loans, but do you know what they are and how they work? Personal loans are taken out by individuals who want to consolidate debt or pay for a large expense. They’re typically unsecured, meaning you don’t need to put up collateral like your house or car.

If you’ve decided that taking out a personal loan is the right choice for you, it’s important to decide which lender to use. That’s where this guide comes in. In order to help those wishing to secure a personal loan, we’ve compiled the following list of top apps for loans.

Top 23 Best Instant Personal Loan Apps 2021 : Apply Instant Personal Loan  Online

Best Apps For Personal Loan

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Our Top Picks
Best Overall – PaySense
PaySense Instant Personal Loan is for all of your wants and dreams that you may not be able to fulfil due to financial constraints. PaySense provides you with a quick personal loan of up to Rs. 5 lakh without any hassle, whether it’s for a wedding, a foreign vacation, paying medical bills, acquiring consumer durables, or home improvement. The procedure is simple and can be conducted in the privacy of your own home. PaySense is available in more than 40 Indian cities.

Best Budget – CASHe
CASHe is a credit-enabled financial technology platform that uses its proprietary credit rating algorithm, the Social Loan Quotient, to offer a wide range of consumer lending products and services to salaried millennials, including personal loans, Buy Now Pay Later, Credit Line, payments, and transfer facilities (SLQ). CASHe has disbursed Rs 2,500 crores in loans to 3 lakh consumers, with over 70% of them returning. It is a full-fledged financial services portal that provides credit, EMI shopping, payments, and insurance services to its users.

Best Low-interest – MoneyTap
MoneyTap is an app-based credit line that allows you to borrow and repay your debts on your schedule. MoneyTap Personal Loans are available in sums ranging from Rs. 3000 to Rs. 5 lakh. MoneyTap Personal Loans are simple to apply for online and can be used to support a variety of personal necessities such as weddings, vacations, medical bills, and gadget purchases. A MoneyTap personal loan normally has an interest rate of 1.08 percent each month. MoneyTap’s actual interest rate may vary depending on your credit score, repayment history, income, current debt, and other factors.

Best Instant – PaySense
As stated above, PaySense is the best application when it comes to instant personal loan approvals. Getting credit through PaySense is quick and simple, and it includes the following benefits:

Availment of personal Loans up to Rs. 5 lakhs instantly.
A completely digital process.
Reasonable interest rates.
Affordable EMIs with auto-debit and reminders.
Find Out The 10 Best Personal Loan Applications In India In 2022
A personal loan is similar to emergency finance that a borrower can use when he or she is short on cash. Such loans have no end-use restrictions, so the money can be spent on anything, including weddings, vacations, and medical expenses. For borrowers, it’s like the most comfortable financial cushion.
The application and disbursement of personal loans have gotten easier thanks to technological advancements. Not only do traditional banks and NBFCs provide loans nowadays, but several mobile applications provide users with immediate personal loans. On the one hand, traditional banks take a long time to process personal loan applications and charge high interest rates, whereas personal loan applications give safe and hassle-free instant cash loans in India in under an hour.
So, the next time you’re in a pinch for cash, check out one of the personal loan application possibilities on your mobile app store. Moving forward, we will present an extensive list of the top personal loan applications in India, as well as the different critical features and facts that you must understand before applying for any of these applications, in this article.

Summary Of The 10 Best Personal Loan Applications In India In 2022
Going to a regular bank when you need a quick cash loan might be time-consuming because it needs a lot of documentation. A credit card is another alternative, but the interest rates are exceedingly expensive. It can be awkward to ask your friends or relatives. Salary advance loans are not available to everyone in India. In such instances, the best choice is to apply for a personal loan. Below is a ranking of the finest personal loan applications in India, which may make the process of getting a personal loan a lot easier and more convenient. To learn more about them, keep scrolling.

S No.

Application Name

App Store Rating

Playstore Rating






Money Tap
















Home Credit




PayMe India




India Lends




Money View







A Complete List Of The 10 Best Personal Loan Applications In India In 2022
Without any further delay, let us have a look at the specifications of these 10 personal loan applications, their pros and cons, reviews, and much more to help you make a better decision.

  1. PaySense
    This is one of the best instant loan apps without salary slips, and it has recently merged with LazyPay to become one of the best platforms in this field. For any work, you can acquire rapid personal loans ranging from INR 5,000 to INR 5,00,000, and you won’t have to wait long for approval. The best part is that you won’t have to worry about running out of time because this platform is known for approving requests quickly. What makes this platform the best personal loan app? It’s because the documents can be picked up immediately from your house, eliminating the need to courier or scan for digital copies. They also provide a variety of low EMI plans that make loan payments simple and hassle-free. If you need another loan, you can simply get it done with one click since the documentation has been recorded earlier, itself.

Interest Rate Per Month – 1.08 to 2.33 percent
Maximum Loan Amount – Rs. 5,00,000
Minimum Loan Amount – Rs. 5,000
Documentation – Proof of Identity (Aadhar card/PAN card), Proof of Address (Aadhar card, utility bills, or rental agreement), Proof of Income (bank account statement), and a Photograph
Features – Flexible end-user, Low-Interest rates, No collateral needed, No credit score needed, Easy documentation, Quick approvals & disbursals


The documentation process on this application is very easy and instantaneous

You will need certain documents verified, which takes a lot of time

It provides loans to the first-time loanees and people with zero credit history

You cannot take heavy loans if you have a bad credit rating

The loans can be fast-tracked and easily approved

The EMI plans are affordable and depend on the credit score

  1. MoneyTap
    This is one of the fastest instant loan apps in India. You may simply acquire a fast loan with MoneyTap, and all you have to do is download the mobile app. So, how does it function? To get started, you must first download the application and register on the same website. After you’ve registered, you’ll need to fill out the KYC paperwork and wait for final approval. After that, based on your credit score, you can acquire an instant credit up to an approved amount of INR 5,00,000, which you can use to buy everyday essentials, indulgences, travel, and other things. The best aspect is that you won’t have to go through a lot of paperwork or wait long periods. This makes this one of the best personal loan apps in India, and people do not hesitate to use it, as well.

Interest Rate Per Month – 1.08 to 2.3 percent
Maximum Loan Amount – Rs. 5,00,000
Minimum Loan Amount – Rs. 3,000
Documentation – Selfie, PAN card, Current address proof (electricity bill/ration card/gas bill or postpaid mobile bill/telephone bill/ broadband bill), Photo ID proof (passport/driving license/Voter ID/ Aadhar Card), Bank statements, Rental agreement, Credit card statement
Features – 100% paperless process with online approval of a loan, pay interest only for the borrowed amount, Flexible EMI tenure ranging from 2 to 36 months, Collateral free loan, 4 minutes approval, Secured API and interface, Variable interest rate for the borrowed loan amount


This mobile application is very well-built and customers do not face any lag while using it

The credit period differs and is maximum up to 36 months, depending on the amount

You can easily create profiles with easy KYC

The initial KYC will take time

The credit line is easily offered and can be used as a wallet

Once the instant loans are approved, you do not need to think a lot about the credit score

  1. Dhani
    It began as a drugstore but has now expanded to include money lending services. Dhani is one of the best personal loan apps without documents, and many outstation students rely on it to make ends meet while working part-time. You can easily obtain a quick loan of up to INR 5,00,000, with interest rates that are both handy and affordable. Every transaction will also earn you 2% cashback, which you may spend for future redemptions and services. There are no bank mandates necessary, and you can easily receive a lifetime cashback card with the help of Dhani, which is why this is the best instant loan app without salary slips. Also, you get a virtually interest-free credit line up to INR 5,00,000 and can easily choose to get a 90-day payback scheme.

Interest Rate Per Month – 1 to 3.17 percent
Maximum Loan Amount – Rs. 5,00,000
Minimum Loan Amount – Rs. 1,000
Documentation – PAN card, Address proof (passport, voter ID, driving license, Aadhar card), Bank details
Features – Instant money up to Rs. 5,00,000 at minimum interest, Easy EMI, Unlimited access to doctors, No processing fee & other charges, Exciting cashback, Free Dhani RuPay card, 100% online process, 24*7 customer support


Dhani has its pharmacy and money services platform integrated into one platform.

You cannot use it on all kinds of e-Commerce platforms

With Dhani, users can get faster loans with lesser EMIs and low-interest rates

The initial documentation while registration takes time

Dhani also helps in all kinds of loans and credit rating facilities for faster approval

It has the best range of cashback services

  1. Nira
    Nira finance is known for its instant approvals, and that is the reason why this happens to be one of the best instant personal loan apps. You can easily get higher amount loans with a simple registration, and they boast about their instantaneous loan sanctions. You can also set up auto-debits and credits through this platform, and you do not need to think about the finances or the charges against your transactions. You just need to download the instant loan app, register yourself, upload the documents and link a bank account. It will automatically assess your credit score and will grant you an instant loan without any charges. You can get up to INR 500,000 and the interest rate ranges up to 1.5 to 2.5% (monthly) depending on your score. You can also extend your credit period, which makes it the fastest instant loan app.

Interest Rate Per Month – 1.5 to 2.5 percent
Maximum Loan Amount – Rs. 5,00,000
Minimum Loan Amount – Rs. 3,000
Documentation – Recent payslip, Last 3 months bank statement, PAN card, Photograph, Identity proof, Address proof
Features – Quick disbursal, Low-interest rates, Easy repayment, Flexible schedule, Supportive customer service


It provides 100% paperless documentation for loans

The higher amount of approvals take time

You can get the fastest instant loans up to INR 5,00,000 in 3 minutes

You need to have proper documentation and a bank account with KYC

You only pay interest on the money utilised

You do not need a credit score to apply

  1. CASHe
    CASHe has established itself as the best personal loan app, and the UI/UX it has to offer for its application confirms this. You can easily log in and register on the app, and the dashboard contains all of the information you’ll need to get a fast loan. You can choose from a variety of loans with a maximum amount of INR 500,000 and various interest rates and repayment terms. You can also make a direct deposit into the associated bank account. You can also set up direct auto-debit for loan interest payments, which eliminates the need to visit the platform each time. There are also Buy Now Pay Later partnerships with Flipkart, Amazon, Big Basket, and others, and you may choose to guarantee your debts with insurance policies.

Interest Rate Per Month – Starts from 1.75 percent
Maximum Loan Amount – Rs. 5,00,000
Minimum Loan Amount – Rs. 5,000
Documentation – Proof of Income (salary slip), Proof of Identity (passport, Aadhar card, driving license, or voter ID), Proof of Address (bills like electricity, gas, telephone, or maintenance), PAN card
Features – Online process of application, User-friendliness, Privacy & security, 24/7 service, Low-interest rates, Basic documentation


In this application, users get to set their credit limits from the approved credit line

It requires time to verify all the documents

It is a highly compatible application with platforms like Flipkart, Amazon, etc.

Users would need a great credit score to avail money from here

Users can directly transfer money to their friends.

Single time registration is only required

  1. Home Credit
    This is one of the easiest portals for any Indian citizen from the age group of 19 to 65 to get short-term loans in India. Depending on your credit rating, you can easily avail of loans up to INR 2,00,000 with two documents only, a PAN card, and any other proof of identity or address. This makes the approval process short and hence it has made the list of the best personal loan apps. You are eligible for a credit period of up to 26 months, and the loan approval is completely digital. It can be directly linked to your bank account or any other digital wallet, and the money will be directly credited to the same account. This platform is also available to senior citizens, who are pensioners and have a basic monthly income and is also valid for students who are studying and not earning.

Interest Rate Per Month – 2.4 to 3.3 percent
Maximum Loan Amount – Rs. 10,000
Minimum Loan Amount – Rs. 2,00,000
Documentation – PAN card, Identity/Address proof
Features – Generates best offers after evaluating ‘best fit’ eligibility, Provides easy loan application and approval, Extends clear view of loan details, Facilitates quick EMI payments, 100% private and secure online process


They have different kinds of products on loans, insurance, finance, etc.

The rate of interest differs on different products

You need only two documents for approval – PAN Card and Identity/Address proof

You may need to go through all their offers and terms and conditions before applying

It does not take into account your credit history

The EMI plans are flexible

  1. PayMe India
    PayMe India is a great platform with an extensive range of benefits, which helps it to become one of the best personal loan apps in India. Whether it is last-minute rent payment, utility bills or an impromptu vacation, or even flash sale online, or any kind of necessity in terms of medical emergencies, loss of work and salary, deductions, etc., PayMe India has a loan for all processes. This makes it one of the most versatile platforms to secure loans. You can easily get yourself registered on the platform and you will have to select a plan, along with uploading of documents, getting KYC done, etc. and you will be eligible for an instant loan. You can also take corporate loans if you have a business. However, you will need the right documentation for such loans, and you can always have a long credit period.

Interest Rate Per Month – 2 to 6 percent
Maximum Loan Amount – Rs. 1,00,000
Minimum Loan Amount – Rs. 1,000
Documentation – Bank statement, Salary slip, PAN card, Photo ID proof, Address proof
Features – Easy login, Accurate assessment, Swift disbursal, Instant cash, Different loan types, Loan advisory, Safe process, Private & secure


You can get an instant loan of up to INR 1,00,000 within a day

The interest rate is usually higher for short-term instant loans

The documentation takes into account KYC, credit rating, etc

You need to repay in 2 years, only

You will get the best and accurate assessment from this portal

You can also get an instant cash proposition

  1. India Lends
    This is one of the most premium and favourite lending platforms for Indians, as they have different kinds of loans available for different classes of loans. They also help in getting the lowest rate of interest from most banks and NBFCs, which makes it the low-interest loan app, which most people tend to look for. Apart from instant loans, you can also avail of gold loans at lesser interest rates, property-backed loans, etc. This platform is also known to provide credit cards, and you can choose from more than 40+ schemes and cards. What makes this the best loan app for students? You can also check your credit score by just uploading your PAN documents, and this in turn helps you to select your scheme of instant loan. This is undoubtedly the gold mine of financial services, and every major piece of information is widely available on their portal.

Interest Rate Per Month – 0.9 to 3 percent
Maximum Loan Amount – Rs. 50,00,000
Minimum Loan Amount – Rs. 15,000
Documentation – There are various document requirements on this application which you can scroll through via this website.
Features – Easy approval, Quick disbursal, 100% online process, Supportive customer service, High maximum value, Lower interest rates


This application is known to compare all kinds of loans before finding the best

You will need to get yourself registered first

Users can benefit from its low interest rate margins

You will need the right KYC and a good score to get the faster approval

You will need a secure bank account for all transactions

You can get your credit score in 1 minute

  1. Money View
    Money View is known for its credit rating model, and that is the primary reason why most people can get instant loans directly from this platform without any worries. They also take pride in their 100% cashless and paperless procedures, which helps them to disburse loans up to INR 5,00,000 quickly within 24 hours. Their process is completely digital and this helps them to grant loans anywhere in India. However, you will need a proper loan plan with terms and conditions, repayment module, interest rate, and more importantly, the payment schedule before the money gets credited to your bank account. If it is a specific loan like a student loan, personal loan, home loan, etc., you will also need the right documentation against the loan to make it relevant. The swift nature of approvals, along with documentation makes it the fastest instant loan app, and the interface makes it pretty easy to handle, too.

Interest Rate Per Month – 2 percent
Maximum Loan Amount – Rs. 5,00,000
Minimum Loan Amount – Rs. 5,000
Documentation – Income proof (salary slip or 3 months bank statement), PAN card, Address proof (Aadhar card, utility bill, driver’s license, passport, voter’s ID), and Identity Proof (Aadhar card, utility bill, driver’s license, passport, voter’s ID)
Features – Built-in expense tracker system, Bill payment reminders, Integration with third-party payment apps, Nominal processing fees of 2.5 % to 4%, State of the art security system


They are known for their instant disbursal within 24 hours of approval

You will need a good credit score for faster approval

You can have repayment of loans for up toper cent 5 years

Their eligibility checks take time

This provides 100% paperless transactions on all kinds of loans

The rate of interest is significantly lower

  1. mPokket
    This website focuses on short-term loans for students and salaried individuals. It enables you to obtain rapid, instant cash with prior permission, allowing you to alleviate your cash need and complete your everyday activities and chores. The best aspect about the low-interest loan app is that you may transfer the funds from your approved loan to any digital wallet, such as Paytm or bank accounts. There’s no need to open a new bank account or use the UPI system. You can also buy directly from internet portals, which makes transactions easier for consumers. One of the reasons why people enjoy using mPokket regularly is this. Salaried employees can get up to INR 30000 in short-term loans with just proof of employment and salary credits. Apart from their membership in any institution, students do not require any documentation.

Interest Rate Per Month – Starts from 3.5 percent
Maximum Loan Amount – No maximum limit
Minimum Loan Amount – Rs. 500
Documentation – (A) For Student Loan – Identity proof (voter card/ driving license/ passport/ Aadhar card), College ID card, PAN card; (B) For Salary Loan – Identity proof (voter card/ driving license/ passport/ Aadhar card), PAN card, Form 16, Company’s ID card, Salary slip of the bank account where your salary is credited by your company
Features – Apply directly using an ID card, 100% online process with minimum documentation, Application is approved within 24 hours and you can get the money credited into your bank account or PayTM wallet, Easy repayment through various options, Provides good credit scores


This is very suitable for students and part-time workers who are studying in college

They are not available in all locations

They have a longer credit period

mPokket needs guarantors for certain loan sanctions

They provide loans with lesser interest rates

You can directly do transactions and avail discounts from their app and platform

How Do We Pick The Best Personal Loan Applications For You?
In 2022, there will be more than 15-20 applications and finance platforms that offer quick loans, with all digital documentation and verification completed. However, deciding which one to use has become a challenge because all of these platforms have similar terms and conditions and most of the functions are comparable. So, in this section, we have mentioned some of the factors that our experts took into consideration while choosing the best personal loan application?

  1. Eligibility Requirements
    Our specialists recommend that you apply for any of the immediate personal loan applications that have a wide range of eligibility requirements. Age, geography, credit score, employment status, source of income, and other factors all play a role in eligibility.
  2. Processing Of Documents
    This is important to consider while selecting a platform. The speed with which your paperwork is processed will determine how quickly you can obtain a personal loan. While some platforms favour completely paperless transactions and paperwork, others require KYC verification in person. As a result, this is a personal decision, as the urgency of your loan will influence the platform you select.
  3. Maximum Rate Of Interest
    The rate of interest is particularly important in the case of short-term personal loans because you will be required to repay the money immediately. Because if you miss a single payment, it will be carried over to a larger sum, most applications offer interest rates every month. As a result, our experts exclusively check for apps that charge the lowest interest rates.
  4. Payment Schedules
    Payment schedules must be flexible, or you may lose a significant amount of money. Our analysts seek applications that give a grace period during which you may return the loans without negatively impacting your credit rating or history.
  5. Freedom Of Usage Of Loan Amount
    Many of the platforms offer immediate loans for certain transactions. This means that if the money is only used to pay for utilities, you can only use it to pay for rent, power, phone bills, and so on. To prevent this situation, our specialists recommend programs that provide you with a loan that can be utilised for a variety of purposes.
  6. Linking With Digital Wallets
    Digital cash has advanced significantly since the introduction of digital wallets such as Paytm, PhonePe, GooglePay, and others, and most of these platforms allow direct access to such digital wallets. This facilitates transactions as well as other features such as auto-pay, monthly subscription deductions, and so on.
  7. Interface Of The Application
    The speed of the app, as well as its ease of use, determine whether or not the mobile app is suitable for use. The more user-friendly the interface, the faster one can register and apply for loans. Hence, ensure that the application interface is good and devoid of bugs.
  8. Third-Party Integrations
    Integration with platforms such as Flipkart, Big Basket, Myntra, Nykaa, Amazon, Cleartrip, and MakeMyTrip, among others, has become a must. You can use the Buy Now Pay Later function on these rapid personal loan apps to secure your wish list and dream trips at a lower interest rate.
  9. Additional Costs And Conditions
    Our experts select a quick personal loan application with no hidden terms and conditions. They also conduct extensive research into processing rates as well as other innuendos. This is where the majority of people fail to be vigilant, and they end up losing a significant amount of money.
  10. Customer Service Of The Application
    When deciding which personal loan to utilise and withdraw from, the application’s customer service is crucial. Some platforms have a fantastic customer support team that responds to all inquiries 24 hours a day, seven days a week, and these programs also assist with payments, processing, failures, and refunds. It’s usually a good idea to have such apps only when payments and credit are easy to get by.

Frequently Asked Questions About An Personal Loan Application
Here are our answers to some of the most commonly asked questions about a personal loan application in India.

Which is the best application for a personal loan?
The best application to apply for a personal loan is PaySense because of the multiple benefits and features that it provides as stated above in this article.

Which application gives you an instant loan?
All the 10 applications listed above are renowned to provide a personal loan instantly to their users. Based on your requirements, you can pick any one of the above.

How can we borrow money immediately?
The best way to borrow money immediately without any hassle is through a personal loan application. The best 10 applications are listed above as per their ranking.
The Bottom Line
With so many personal loan apps on the market, the number of possibilities for quick cash loans has grown, making it easier for you to get a loan quickly. An internet search for quick cash loans in India and a quick comparison of the many cash loan applications in India yields a plethora of possibilities ranging from payday loans in India, immediate loans in India, to salary advance loans in India. The times are changing, and personal loan apps are making quick and cheap cash loans in India a reality! It’s never been easier to get a personal loan, and the rapid personal loan app download makes it even easier.
So, what are you waiting for? Today is the perfect day to sign up for India’s top personal loan app!

best loan app in nigeria

Most often, many individuals and business owners might need some extra-cash to in handling some financial issues around them. In times like this when all means of getting money has been exhausted, the best alternative is to consider getting a quick and easily affordable loan online.

The process of accessing quick loans in Nigerian banks is quite lengthy and tedious for any individual that is only looking to access a small amount of loan for only a short period of time.

Thanks to the Fintech revolution in Nigeria, online lending startups are making it easy for businesses and individuals to have access to quick loans when needs. Here is a list of top 7 mobile apps for online busines and personal loans in Nigeria.

  1. Paylater
    Paylater is an easy-to-use and entirely online lending platform that provides short-term loans to individuals and small businesses in Nigeria to help cover unexpected expenses or urgent cash needs.

With Paylater, you can access up to 500,000 Naira loan with no collateral. Once your application is approved, funds are typically received within 1 – 3 business days. Making on-time repayments can grant you access to higher credit limits for your next loan.

Download the Paylater App to get quick and flexible loans at affordable rates.

paylater nigeria website

Also Read: 7 Top Business Grants & Loans Available for Small Businesses in Nigeria.

  1. Palmcredit
    PalmCredit is a virtual credit card that makes it easy for you to access a loan anytime and anywhere. Palmcredit offers loans of up to ₦100,000 within minutes on your mobile phone.

With PalmCredit getting a mobile loan is simple. Apply for your credit limit in minutes, then take as many instant loans as you need without further approval steps. It’s a credit revolution!
As soon as you repay, your credit score is updated. Repay on time and watch your limit grow to N100,000.

Download the Palmcredit App to get instant and flexible loans at affordable rates.

palmcredit app nigeria

  1. Branch
    Branch is a simple yet powerful mobile loan app in Nigeria and Kenya. Getting quick and instant loans on Branch App is so fast and easy. It will help you sort out your financial issues in real time.

Branch offers loans from ₦1,500 to ₦150,000. Loan terms range from 4 – 64 weeks. Interest ranges from 14% – 28% with an equivalent monthly interest of 1% – 21%, depending on selected loan option.

Download Branch App for access to quick and instant loans.

branch app nigeria

Also Read: 10 Small Businesses That Make The Most Millions In Nigeria.

  1. QuickCheck
    QuickCheck is a modern lending platform for individuals and small businesses. QuickCheck uses mobile technology to enable individuals and small businesses to gain access to financial credit.

According to the platform, users can access quick and hassle-free loans of up to 30,000 Naira without any collateral for a duration of either 15 or 30 days.

You can get the QuickCheck App on Google Playstore.

quickcheck nigeria website

  1. Aella Credit
    Aella Credit is building platforms that make it easier for individuals in Africa to gain access to financing. Mainly focused on employee lending and empowerment, the company was affiliated with three main credit bureau agencies in Nigeria to provide quick and affordable loans with no paperwork to its customers.

Aella Credit uses a proprietary credit scoring algorithm to determine the creditworthiness of its users. The algorithm, which was built after the team gathered over five years of market data and analysis, processes an applicant’s eligibility for a loan by considering social and demographic factors as well as their debt to income ratio.

Download Aella Credit App now to get started.

aellacredit nigeria website

Also Read: Five ways to get funds for a startup business in Nigeria.

  1. FairMoney
    FairMoney offers short-term loans to help cover for urgent needs, bills, business and much more. They give access to loans at any time and anywhere with our loan application within 5 minutes.

FairMoney packages include personal loan, education loan, business loan & more. With the effective use of technology, they are able to provide a speedy and efficient loan app to all our esteemed customers.

fairmoney loan app nigeria

  1. KiaKia
    KiaKia is a mobile web app that gives you access to personal and small business loans and also enables savers to lend out funds at negotiated interests through intuitive conversations.

KiaKia utilizes psychometry, big-data, machine learning and digital forensics for its proprietary credit scoring and credit risk assessment algorithm to provide direct and peered personal and business loans to millions of individuals and SMEs without credit information.

Click here to visit Kiakia mobile web app.
kiakia nigeria website

While most of these platforms claim to offer quick loans without any collateral, it is advisable to carefully study their Terms & Conditions (T&C) before throwing in an application.

Another factor to consider is the interest rate and payback period. As a business, you will not want to go in for loans with a very short payback period except you very sure you will earn back the money in no-time.


Let us know your thoughts in the comment section below.

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