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LagosLagos State

Updated 4 weeks ago

Best Loan Providers in Lagos

Ranked lists 15 loan providers in Lagos. The default view shows 15 local listings in ranking order. E-xin | loan without guarantor |Best loan agency in ikeja|car collateral loan|loan with car as collateral is the first local listing in the default order, with a Google rating of 5.0 from 32 Google reviews.

Compiled from Ranked's database. Method and checks: Eruo Fredoline, founder, Ranked Technologies Ltd. How we rank. Latest listing check .

How the algorithm scored this15 businesses ranked

Ordered on Google rating, review volume, review recency, profile completeness, review sentiment and the earned verified tick, on weights published and in force since 2026-07-16. Paid placement is not one of them.

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As of October 2026, Ranked lists 15 loan providers in Lagos, Nigeria, ordered using Google review signals and Ranked's published scoring method. Payment does not change the order.

Source: Ranked (ranked.ng) directory database · full statistics · methodology · E-xin | loan without guarantor |Best loan agency in ikeja|car collateral loan|loan with car as collateral vs Trafalgar (Kwikpaycredit), side by side

Ranked
15

businesses

Google reviews reported
301

Across matching listings

Page refreshed
29d ago

Published 19 Sept 2026

15 results
  • Ranked #1 by score#1 in the city
    1

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

    74.0/ 100
    5.05.0 out of 5 stars32 reviews

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

    Why ranked #1? ▾
    • Google rating95
    • Review volume51
    • Review recency88
    • Profile completeness67
    • Review sentiment75
    • Verification0

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

    Recent reviews

    • Adetoro G. ★★★★★ : The best car collateral loan agency in Ikeja Lagos. I got the loan while I still drive my car. The process is fast secure and confidential. With a competitive interest rate
    • Paul M. ★★★★★ : The best car collateral loan in Ikeja Lagos. I got a loan while still driving my car and their interest rate is very low. I highly recommend
  • 2

    Trafalgar (Kwikpaycredit)

    67.4/ 100
    4.64.6 out of 5 stars20 reviews

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

    • Hours listed
    • Open Sundays
    Why ranked #2? ▾
    • Google rating90
    • Review volume44
    • Review recency84
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • JOY U. ★★★★★ : Got my loan within a short period of time. The customer service experience was top notch. Kudos to you guys.
    • Elizabethhh A。 ★★★★★ : A very good Platform with Swift response, I got to their main Branch and had a Good customer service with a Considerate Intrest Rate. Thanks KWIKPAY looking forward to using your Service again in the Future keep up the good work
  • 3

    Sovereign Finance Company Limited

    61.7/ 100
    4.84.8 out of 5 stars39 reviews

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

    • Hours listed
    Why ranked #3? ▾
    • Google rating93
    • Review volume53
    • Review recency14
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • Perpetua 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.
  • 4

    Andray Finance Limited

    61.1/ 100
    5.05.0 out of 5 stars5 reviews

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

    • Hours listed
    Why ranked #4? ▾
    • Google rating95
    • Review volume26
    • Review recency54
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0 to 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

    Lendor Finance Ltd.

    60.0/ 100
    4.84.8 out of 5 stars22 reviews

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

    • Hours listed
    Why ranked #5? ▾
    • Google rating93
    • Review volume45
    • Review recency16
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0 to 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.
  • 6

    StartCredits

    59.3/ 100
    4.54.5 out of 5 stars22 reviews

    Abule Okuta, Lagos 102216, Lagos, Nigeria

    • Open 24 hours
    Why ranked #6? ▾
    • Google rating88
    • Review volume45
    • Review recency50
    • Profile completeness33
    • Review sentiment50
    • Verification0

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

  • 7

    Eazy Credit

    56.8/ 100
    3.83.8 out of 5 stars24 reviews

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

    Why ranked #7? ▾
    • Google rating65
    • Review volume47
    • Review recency72
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • Imasuen P. ★★★★★ : Outstanding customer service and a fantastic overall experience! Highly recommend.
    • jubril A. ★★★★★ : A special thanks to the staff! They were incredibly attentive, patient, and made the whole process easy.
  • 8

    Fundit: Instant Loans

    53.4/ 100
    4.04.0 out of 5 stars4 reviews

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

    • Hours listed
    Why ranked #8? ▾
    • Google rating73
    • Review volume23
    • Review recency64
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0 to 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
  • 9

    Fast Cash Today

    53.0/ 100
    4.64.6 out of 5 stars14 reviews

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

    Why ranked #9? ▾
    • Google rating90
    • Review volume39
    • Review recency8
    • Profile completeness33
    • Review sentiment50
    • Verification0

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

    Recent reviews

    • Olorunkemi R. ★★★★★ : debited my account without giving me loan i asked of,
  • 10

    QuickCheck: Best Loan App in Nigeria – Get Instant Loans

    51.5/ 100
    3.83.8 out of 5 stars79 reviews

    13, Town Planning Way, Ilupeju, Lagos Ikeja, Ilupeju, Lagos 100252, Lagos, Nigeria

    Temporarily closed

    Why ranked #10? ▾
    • Google rating65
    • Review volume63
    • Review recency1
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

  • 11

    Quick Loan Arena

    49.0/ 100
    4.34.3 out of 5 stars8 reviews

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

    • Open 24 hours
    Why ranked #11? ▾
    • Google rating83
    • Review volume32
    • Review recency36
    • Profile completeness0
    • Review sentiment50
    • Verification0

    Scores 0 to 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
  • 12

    Purpose Built Services Limited (PBSL LOANS)

    48.8/ 100
    5.05.0 out of 5 stars2 reviews

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

    • Hours listed
    Why ranked #12? ▾
    • Google rating95
    • Review volume16
    • Review recency4
    • Profile completeness33
    • Review sentiment50
    • Verification0

    Scores 0 to 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
  • 13

    Loan in 24 Hours

    42.8/ 100
    3.73.7 out of 5 stars3 reviews

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

    • Open 24 hours
    Why ranked #13? ▾
    • Google rating60
    • Review volume20
    • Review recency53
    • Profile completeness33
    • Review sentiment50
    • Verification0

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

  • 14

    EsayLoans Nigeria

    41.3/ 100
    3.53.5 out of 5 stars2 reviews

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

    Why ranked #14? ▾
    • Google rating50
    • Review volume16
    • Review recency53
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

  • 15

    SwiftKash

    31.6/ 100
    2.92.9 out of 5 stars25 reviews

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

    • Open 24 hours
    Why ranked #15? ▾
    • Google rating23
    • Review volume47
    • Review recency24
    • Profile completeness33
    • Review sentiment50
    • Verification0

    Scores 0 to 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

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.

What the data shows for loan providers in Lagos

Counted from every loan providers ranked in Lagos, Lagos State, not only the ones shown above.

Ranked
15
With 5+ reviews
11
Rated 4.5 or higher
8
Median reviews
20
Phone listed
12 of 15
Opening hours listed
11 of 15

11 of the 15 loan providers ranked in Lagos have five or more Google reviews, and between them they carry 301 reviews.

Of the 15, 8 score 4.5 or higher, 2 sit between 4.0 and 4.4 and 5 are below 4.0.

The median loan providers here has 20 reviews.

QuickCheck: Best Loan App in Nigeria – Get Instant Loans has the most, 79 at 3.8, followed by Sovereign Finance Company Limited (39) and E-xin | loan without guarantor |Best loan agency in ikeja|car collateral loan|loan with car as collateral (32).

12 list a phone number, 11 a website and 11 opening hours; 0 have a photo on file.

Across the 8 Nigerian cities where Ranked publishes loan providers, the median city lists 14; Lagos has 15, more than the median.

The most recent Google review we hold for this set is from August 2026.

Source: Ranked directory database, counted at publish time. Full statistics.

Frequently asked questions

How many loan providers are listed in Lagos?

Ranked lists 15 loan providers in Lagos. The default view shows 15 local listings in ranking order.

Which local listing appears first in the default order?

E-xin | loan without guarantor |Best loan agency in ikeja|car collateral loan|loan with car as collateral appears first, with a Google rating of 5.0 from 32 Google reviews. The order uses Ranked's published review-based method; it is not a measure of every aspect of the business.

Which local listing loaded on this page has the most Google reviews?

QuickCheck: Best Loan App in Nigeria – Get Instant Loans has the most reported Google reviews among the 15 local listings loaded on this page: 79. Review volume is one ranking signal and does not establish service quality.

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