Top 5 FinTechs in Nigeria where you can borrow money in hours

quick loan in Nigeria

Getting a loan in Nigeria used to a herculean task, thanks to FinTechs, it’s now as simple as ABC.

There are many platforms out there that you can get quick loans in a matter of house to take care of your financial needs.

If you have been looking for platforms to get quick loans to solve urgent financial needs, then this article is for you.

Disclaimer: This is solely our opinion based on reviews and sentiments out there as well as our personal experience with the platforms.

1. Page Financials

Page Financials.

Page is retail financial services provider based in Lagos Nigeria, using Tech to simplify borrowing, investing and online payments in Nigeria.

Page Financials capitalizes on making funds available to people as fast it can get with quick loans of up to N5 million. Page promises that if applicants have all the requirement readily available and meets the terms of service, applicants could get their loan disbursed in as little as 3 hours from the time of application.

Page provides investments and payment solutions too where they promise interest rate of up to 20% per annum on their investment packages (depending on amount and tenor).

Summary of requirements.

  • Your BVN
  • You live/work in Lagos or Ibadan
  • Your salary account statement for 6 months
  • Work ID card or employment letter
  • Valid means of identification
  • You earn 100k and above monthly.

Page offers loan Topup service to her customers, which means you can request another loan even when you have a running loan, typically granted after you have made at least three prompt repayments on the first loan.

The minimum you can borrow from Page is N200k while the maximum for first timers is N5 million. Tenor is 3 to 12 months; interest rate is dynamic (differs by individual)

Contact info: Phone 016317243



2. Renmoney

Renmoney is one of the leading Fintechs in Nigeria making loans easily accessible.

The have recently increased their maximum loan amount to 6 million naira. That simply means that customers can get loans up to N6,000,000 that can be repaid within a period of nine months without tendering collateral or a guarantor.

To apply for a loan on Renmoney, you’ll have to meet certain conditions. Applicants are expected to be between the age of 22-59, have a steady source of income with a functional current or savings bank account and a valid means of identification.

Upon request, the applicant is expected to provide verification of their monthly income and a report of their previous loans from a credit bureau. All these are to be submitted to any Renmoney office for confirmation.

For Renmoney quick loan request, a N70,000 loan would worth N83, 690 in four months repayment plan.

This implies a % between 4% to 4.5% per month.

3. Carbon( formally PayLater)

Carbon (formerly Paylater) is a simple mobile online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. The platform is available on Google Playstore. The website is and if you are browsing from your mobile android phone, click here to download Paylater from Google Playstore.

I have used paylater and they are real and working perfectly. I wrote a comprehensive article here on paylater and you can read about it here: How I Got a Quick Small Loan in 5 Minutes Without Collateral.

With Paylater, you will get an instant loan without having to wait. Very useful when you are stranded and in need of a loan for an urgent need.

4. Zedvance

Zedvance is a consumer finance company committed to providing consumer credit to individuals. You can borrow up to 3 Million Naira in less than 24 hours.

The company specifically provide loans to salary earners but if you are a salary with a side business, you can pick up the deal to finance your business use.

5. Branch

Branch is a for-profit socially conscious company based in San Francisco, Nairobi, Lagos and Mumbai. We use technology to dramatically reduce the cost of delivering financial services in emerging markets. Their first product is credit. Branch is like a bank in your pocket, there for you at all times.

unlike other quick loan platforms, Branch focuses more on small business owners and the repayment is every week. For example if they disbursed a loan of N10,000, they will divide that amount together with interest into 4. That means every week you have to pay and complete it within four weeks.

Know any fintech doing well that we have not explored? do well to shoot us an email at, we will review and update accordingly.


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