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RANKED

LagosLagos State

Updated 1 month ago

Best Loan Providers in Lagos — 2026 Rankings

Looking for the best loan providers in Lagos? We've ranked the top 19 loan providers in Lagos, Lagos State, based on Google ratings, customer reviews, photos, profile completeness, and our proprietary ranking algorithm.

How the algorithm scored this19 businesses ranked

Ranked
19

businesses

Reviews analyzed
691

Google reviews

Photos verified
15

cover images

Last refresh
1 month ago

editorial review

How to choose safely

What to check before choosing loan providers in Lagos

Rankings are a starting point. For this category, these are the checks that most often separate a useful recommendation from a risky one.

  • Confirm details

    Call or WhatsApp before visiting to verify hours, address, pricing, and availability.

  • Use recent signals

    Recent reviews, fresh photos, and active contact channels are stronger trust signals than old star ratings.

  • Report problems

    If the listing is wrong, closed, unsafe, or duplicated, use the report link so Ranked can review it.

19 results
  • Editor's Selection#1 in the city
    1
    BjLending Services Limited — photo

    BjLending Services Limited

    81.6/ 100
    4.74.7 out of 5 stars310 reviews

    21 Akinsanya St, Ojodu, Lagos 100213, Lagos, Nigeria

    Review analysis

    Requires a referral from a previous customer to process loans.

    • fast loan processing
    • responsive customer service
    • requires referral
    • clear terms
    • transparent
    • easy navigation
    Why ranked #1? ▾
    • Google rating92
    • Review volume83
    • Review recency69
    • Profile completeness100
    • Review sentiment78
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • isiaq O. ★★★★★ The processing is looking very smooth and great so far because I'm feeling convince and comfortable to trust this service. Great work!
    • Clara E. ★★★★ I haven't gotten my loan yet, but to me it's fast and easy to navigate, smooth and slick, once I get my loan I will come back and make it 5 star
  • 2
    nairaCompare — photo

    nairaCompare

    72.7/ 100
    4.54.5 out of 5 stars55 reviews

    256 Murtala Muhammed Way, Yaba, Lagos 100001, Lagos, Nigeria

    Review analysis

    Aggregates local investment packages and loan options for easy comparison.

    • user friendly
    • compare loans
    • investment packages
    • good customer service
    • easy navigation
    Why ranked #2? ▾
    • Google rating88
    • Review volume58
    • Review recency51
    • Profile completeness100
    • Review sentiment86
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Kenechukwu A. ★★★★★ I like the fact that for the first time I'm able to see and compare so many local investment packages without having to stress and run around on the internet. All the information I need to make decisions are in one place. Kudos!
    • Noella L. ★★★★★ Makes things a lot easier when I need to make a money decision
  • 3
    E-xin | loan without guarantor |Best loan agency in ikeja|car collateral loan|loan with car as collateral — photo

    E-xin | loan without guarantor |Best loan agency in ikeja|car collateral loan|loan with car as collateral

    70.3/ 100
    5.05.0 out of 5 stars21 reviews

    113 Talabi St, ogba, Ikeja 101233, Lagos, Nigeria

    Why ranked #3? ▾
    • Google rating95
    • Review volume45
    • Review recency65
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • MonieBridgeNG ★★★★★ The best car collateral loan agency in Lagos. I got funded immediately because I needed the money to fund my business, and their interest rate is very low. I highly recommend
    • Adewuyi A. ★★★★★ The best car collateral agency in Lagos . Their procedure is fast, secure and confidential, and also their interest rate is very good. I highly recommend
  • 4
    Andray Finance Limited — photo

    Andray Finance Limited

    66.4/ 100
    5.05.0 out of 5 stars6 reviews

    Cardinal Place, 13a Ayo Babatunde Cres, Oniru, Lekki 101241, Lagos, Nigeria

    Why ranked #4? ▾
    • Google rating95
    • Review volume28
    • Review recency65
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • john A. ★★★★★ This is a lovely app, well done sir
    • Andray F. ★★★★★ We offer the best rate and easy access to funds
  • 5
    Trafalgar (Kwikpaycredit) — photo

    Trafalgar (Kwikpaycredit)

    66.0/ 100
    4.54.5 out of 5 stars18 reviews

    A2, 16 Simpson St, Lagos Island, Lagos 102273, Lagos, Nigeria

    Why ranked #5? ▾
    • Google rating88
    • Review volume43
    • Review recency56
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Techprod ★★★★★ Great experience with KwikPay Credit. No high interest or hidden charges, and everything was explained clearly by the customer service team. Very transparent and reliable.
    • Ayopupo A. ★★★★★ The Customer Service Is Top Notch, Keep up the good work guys ♥️
  • 6
    Sovereign Finance Company Limited — photo

    Sovereign Finance Company Limited

    65.3/ 100
    4.84.8 out of 5 stars38 reviews

    157 Sinari Daranijo St, Victoria Island, Lagos 101241, Lagos, Nigeria

    Why ranked #6? ▾
    • Google rating93
    • Review volume53
    • Review recency17
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Pep A. ★★★★★ Synonyms to Sovereign Finance Company Limited are Integrity and Stability and these two features are so key. No worries when you partner with them. What thrills me the most about Sovereign Finance Company Limited though, is that with friendly and approachable personnel, they provide personalised guidance to achieve optimum financial benefits for each client.
    • Thomas A. ★★★★★ I have been investing with Sovereign Finance Company Limited in the past four years and still counting. Their products and services are outstanding and top-notch. I go to bed with my two eyes closed, knowing that my investment are safe, secured and insured with Sovereign Finance Company Limited.
  • 7
    StartCredits — photo

    StartCredits

    63.9/ 100
    4.54.5 out of 5 stars22 reviews

    Abule Okuta, Lagos 102216, Lagos, Nigeria

    Why ranked #7? ▾
    • Google rating88
    • Review volume45
    • Review recency61
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

  • 8
    Lendor Finance Ltd. — photo

    Lendor Finance Ltd.

    60.4/ 100
    4.84.8 out of 5 stars22 reviews

    8 Dele Adeyemi St, Eti-Osa, Lekki 101245, Lagos, Nigeria

    Why ranked #8? ▾
    • Google rating93
    • Review volume45
    • Review recency19
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Atiba E. ★★★★★ Lendor finance LTD has a good loan system and their services are so swift .
    • Adesola O. ★★★★★ Their services is Topnotch and they give a satisfying audience to their customers.
  • 9
    Fewchore Finance Company Limited — photo

    Fewchore Finance Company Limited

    60.0/ 100
    4.94.9 out of 5 stars11 reviews

    10a Victoria Arobieke St, Lekki Phase 1, Lagos 105102, Lagos, Nigeria

    Why ranked #9? ▾
    • Google rating94
    • Review volume36
    • Review recency4
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Ibifubara P. ★★★★★ A data driven company determined to provide financial solutions to Nigerians.
    • Victor A. ★★★★★ Few more Finance is a top-tier finance institution. They have mouth-watering products. The interest rate on investment is very good. Their loans are very affordable. I do not regret using Fewchore Finance.
  • 10
    Fundit: Instant Loans — photo

    Fundit: Instant Loans

    58.4/ 100
    4.04.0 out of 5 stars4 reviews

    6 Babatunde Jose St, off Adetokunbo Ademola Street, Victoria Island, Lagos 106104, Lagos, Nigeria

    Why ranked #10? ▾
    • Google rating73
    • Review volume23
    • Review recency77
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Akinade D. ★★★★ Very unprofessional, they’ll only call you at their convenient time if you call back immediately they won’t pick and call you back after a long time to tell you to drop a message and end the call before you alter a word. This seems so much like a scam.
    • Ayoksy G. ★★★★★ It's a reference point in the industry.Your fund is secure there, you also have access to good loan and advisory service from industries bright minds
  • 12

    Fast Cash Today

    53.2/ 100
    4.64.6 out of 5 stars14 reviews

    Fast Cash Today Building, Abule ijesha, Lagos 101245, Lagos, Nigeria

    Why ranked #12? ▾
    • Google rating90
    • Review volume39
    • Review recency9
    • Profile completeness33
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

  • 13
    Purpose Built Services Limited (PBSL LOANS) — photo

    Purpose Built Services Limited (PBSL LOANS)

    52.3/ 100
    5.05.0 out of 5 stars2 reviews

    19 Abbi St, Mende, Lagos 100212, Lagos, Nigeria

    Why ranked #13? ▾
    • Google rating95
    • Review volume16
    • Review recency5
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Damilola F. ★★★★★ Purpose built are reliable and ready to respond to people's need provided you meet their terms and conditions
  • 14

    Eazy Credit

    49.4/ 100
    3.93.9 out of 5 stars25 reviews

    128b Association Rd, Dolphin Estate, Lagos 106104, Lagos, Nigeria

    Why ranked #14? ▾
    • Google rating69
    • Review volume47
    • Review recency1
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

  • 15
    Quick Loan Arena — photo

    Quick Loan Arena

    47.1/ 100
    4.14.1 out of 5 stars7 reviews

    7 Obokun Cl, Allen, Lagos 101233, Lagos, Nigeria

    Why ranked #15? ▾
    • Google rating77
    • Review volume30
    • Review recency44
    • Profile completeness0
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • Olajumoke A. ★★★★★ Good evening my name is Ayomide please I need loan for my business
    • Ekundayo B. ★★★★★ Hi good evening my name is Maverlous please I need to borrow money
  • 16
    Loan in 24 Hours — photo

    Loan in 24 Hours

    44.3/ 100
    3.73.7 out of 5 stars3 reviews

    27, Herbert Macauly Street, PMB, 3356 Marina Rd, Yaba, Lagos 101245, Lagos, Nigeria

    Why ranked #16? ▾
    • Google rating60
    • Review volume20
    • Review recency64
    • Profile completeness33
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

  • 17

    EsayLoans Nigeria

    42.7/ 100
    3.53.5 out of 5 stars2 reviews

    7 Ibiyinka Olorunbe, Victoria Island, Lagos 101241, Lagos, Nigeria

    Why ranked #17? ▾
    • Google rating50
    • Review volume16
    • Review recency63
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

  • 18
    OPay Microfinance Bank LTD — photo

    OPay Microfinance Bank LTD

    37.5/ 100
    2.92.9 out of 5 stars28 reviews

    6a Adeniyi Jones, Ikeja, Lagos 100281, Lagos, Nigeria

    Why ranked #18? ▾
    • Google rating23
    • Review volume49
    • Review recency41
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • CELESTINE E. ★★★★ I have never had a customer service experience as terrible as the one I had today at the Blue-ridge MFB, @ No 6, Adeniyi Jones. The receptionist was extremely rude, aggressive, condescending and very unprofessional. The bank operations seemed super unorganized and the staff treated the customers poorly. Very appalling service. Do better.
    • Joshua A. ★★★★ I previously used Easemoni and Okash in the past, but even after requesting the deactivation of my accounts directly with their parent company (Blue Ridge Microfinance Bank), I continue to receive unsolicited and harassing calls from them. Despite multiple formal requests (with all required details provided), the harassment has not stopped. This is not just an inconvenience, it is a serious invasion of privacy that makes me feel unsafe in my own country. Their customer service acknowledged my request but failed to stop the constant calls. This shows a lack of respect for users’ rights, privacy, and consent. If you value your peace of mind, I strongly advise you to think twice before downloading or borrowing from this app. The harassment continues even after you close your account. I urge Google/Apple and the relevant regulators (NCC, FCCPC, CBN) to take stricter action against loan apps that engage in such practices.
  • 19

    SwiftKash

    32.2/ 100
    2.92.9 out of 5 stars25 reviews

    39 Adeola Odeku St, Victoria Island, Lagos 106104, Lagos, Nigeria

    Why ranked #19? ▾
    • Google rating23
    • Review volume47
    • Review recency29
    • Profile completeness33
    • Review sentiment50
    • Verification0

    Scores 0–100 per dimension. See how we rank.

    Recent reviews

    • fineseed F. ★★★★★ Awesome am so satisfied with the app just that I mistakenly deleted it from my phone a d it's been difficult downloading swiftkash again I need help
    • Mide’s S. ★★★★ They have very rude staff imagine a staff telling a customer he / she is mad That’s too bad of a company a very bad company don’t borrow from them ooo If you like borrow at your own risk

Frequently asked questions

What is the highest-rated loan providers in Lagos?

BjLending Services Limited is currently ranked #1 with 4.7 stars from 310 Google reviews.

How many loan providers are in Lagos?

We currently track 19 loan providers in Lagos, Lagos State.

How are these loan providers ranked?

Our composite score combines Google rating (40%), review volume (25%), review recency (15%), profile completeness (10%), verification (5%), and paid placement (5%).

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