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RANKED

Public safetyFCCPC Digital Lending Register

The 45 loan apps banned by FCCPC in Nigeria.

The Federal Competition and Consumer Protection Commission (FCCPC) maintains an official register of digital lenders licensed to operate in Nigeria. As of its January 2026 update, the register lists 457 fully approved lenders, 35 on conditional approval, and 45 explicitly banned for predatory practices.

Total registered
521

digital lenders

Fully approved
457

safe to use

Conditional
35

under review

Blacklisted
45

do not install

Why they were banned

Harassment + defamation

Banned apps were documented sending mass WhatsApp/SMS broadcasts to a defaulter's entire contact list — naming them as a "fraudster" even when the loan was current.

Why they were banned

Hidden APRs

Effective interest rates often crossed 100% when fees and late-payment charges were rolled in — APRs that were never disclosed in the app's marketing copy.

Why they were banned

Phone-contact harvesting

Many banned apps demanded contact-list access at install — then used those contacts as collection leverage. NDPC consumer privacy rules forbid this.

The full blacklist

If you have any of these apps installed, uninstall immediately, deny contact-list access, and revoke any direct-debit mandate on your bank account. Already harassed? File a complaint with FCCPC at [email protected].

  • Soft Naira
  • EasyMoni
  • QuickMoni
  • EasyCash
  • Naija Cash
  • FastMoney
  • Cash Wallet
  • 9jacash
  • Cashlawn
  • Hen Credit Loan
  • Camelloan
  • Galaxy Credit
  • Cash Door
  • Joy Cash-Loan
  • Eaglecash
  • iCredit
  • CashAm
  • Crediting
  • Imoney
  • Naira Naija
  • Cashbus
  • First Naira
  • BlinkCash
  • Loan Sharks
  • Crystal Cash
  • Naija Loan
  • Cash Mall
  • Money Tree
  • Loanwide
  • Maxi Credit
  • Cash Park
  • GoCash
  • Sunday Cash
  • Money Box
  • Honey Pot Loan
  • Cash Wave
  • Cashpal
  • Tree Credit
  • Mr Cash
  • 9ja Naira
  • Anchor Cash
  • Coin Cash
  • Speed Credit
  • Get Cash
  • Loan Plus

Safe alternatives

Loan apps approved by FCCPC + CBN

Ranked ranks every CBN-licensed loan app in Nigeria by interest rate, approval speed, complaint volume, and real user sentiment. Every entry on the list carries an FCCPC verification badge.

See the approved loan apps →

Source: Federal Competition and Consumer Protection Commission of Nigeria, public register updated 15 January 2026. Ranked mirrors the register verbatim; we publish it as a public safety surface and do not edit the entries.