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LagosLagos State

Updated 1 day ago

Best Loan Providers in Lagos

BjLending Services Limited leads the 19 loan providers in Lagos, Lagos State with a 4.7-star rating from 316 reviews, the largest review base in this set. nairaCompare follows with 4.5 stars from 55 reviews. Two providers, E-xin and Andray Finance Limited, show 5.0 ratings but from 21 and 6 reviews respectively, so their scores carry less weight. The remaining 14 providers have fewer reviews or none at all.

How the algorithm scored this19 businesses ranked

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As of September 2026, Ranked lists 19 loan providers in Lagos, Nigeria, ranked by review sentiment, reputation and verified activity, never by payment.

Source: Ranked (ranked.ng) directory database · full statistics · methodology

Ranked
19

businesses

Reviews analyzed
708

Google reviews

Photos verified
15

cover images

Last refresh
1d 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
    Photo of E-xin | loan without guarantor |Best loan agency in ikeja|car collateral loan|loan with car as collateral

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

    77.1/ 100
    5.05.0 out of 5 stars32 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #1? ▾
    • Google rating95
    • Review volume51
    • Review recency87
    • Profile completeness100
    • Review sentiment75
    • Verification0

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

    Recent reviews

    • 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
    • Chris R. ★★★★★ : the best secured loans with your car. the interest rate is very low and their disbursement is in 1hour. I highly recommend
  • 2
    Photo of Andray Finance Limited

    Andray Finance Limited

    65.3/ 100
    5.05.0 out of 5 stars6 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #2? ▾
    • Google rating95
    • Review volume28
    • Review recency57
    • Profile completeness100
    • 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
  • 3
    Photo of Trafalgar (Kwikpaycredit)

    Trafalgar (Kwikpaycredit)

    65.0/ 100
    4.54.5 out of 5 stars18 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #3? ▾
    • Google rating88
    • Review volume43
    • Review recency49
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0 to 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 ♥️
  • 4
    Photo of Sovereign Finance Company Limited

    Sovereign Finance Company Limited

    65.0/ 100
    4.84.8 out of 5 stars38 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #4? ▾
    • Google rating93
    • Review volume53
    • Review recency15
    • Profile completeness100
    • Review sentiment50
    • Verification0

    Scores 0 to 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.
  • 5
    Photo of StartCredits

    StartCredits

    62.9/ 100
    4.54.5 out of 5 stars22 reviews

    Abule Okuta, Lagos 102216, Lagos, Nigeria

    Directions ↗Website ↗
    Why ranked #5? ▾
    • Google rating88
    • Review volume45
    • Review recency53
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

  • 6
    Photo of Lendor Finance Ltd.

    Lendor Finance Ltd.

    60.1/ 100
    4.84.8 out of 5 stars22 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #6? ▾
    • Google rating93
    • Review volume45
    • Review recency17
    • 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.
  • 7
    Photo of Fundit: Instant Loans

    Fundit: Instant Loans

    57.1/ 100
    4.04.0 out of 5 stars4 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #7? ▾
    • Google rating73
    • Review volume23
    • Review recency67
    • Profile completeness100
    • 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

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

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

  • 11

    Eazy Credit

    49.3/ 100
    3.93.9 out of 5 stars25 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #11? ▾
    • Google rating69
    • Review volume47
    • Review recency1
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

  • 12
    Photo of Quick Loan Arena

    Quick Loan Arena

    46.4/ 100
    4.14.1 out of 5 stars7 reviews

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

    Directions ↗
    Why ranked #12? ▾
    • Google rating77
    • Review volume30
    • Review recency38
    • 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
  • 13
    Photo of Loan in 24 Hours

    Loan in 24 Hours

    43.2/ 100
    3.73.7 out of 5 stars3 reviews

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

    WhatsAppCallDirections ↗
    Why ranked #13? ▾
    • Google rating60
    • Review volume20
    • Review recency56
    • Profile completeness33
    • Review sentiment50
    • Verification0

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

  • 14

    EsayLoans Nigeria

    41.6/ 100
    3.53.5 out of 5 stars2 reviews

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

    WhatsAppCallDirections ↗Website ↗
    Why ranked #14? ▾
    • Google rating50
    • Review volume16
    • Review recency55
    • Profile completeness67
    • Review sentiment50
    • Verification0

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

  • 15

    SwiftKash

    31.7/ 100
    2.92.9 out of 5 stars25 reviews

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

    Directions ↗Website ↗
    Why ranked #15? ▾
    • Google rating23
    • Review volume47
    • Review recency25
    • 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
  • 16
    Photo of BjLending Services Limited

    BjLending Services Limited

    89.4/ 100
    4.74.7 out of 5 stars316 reviewsRanked Verified

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

    Review analysis

    Refunds overpayments without notice, as highlighted by a reviewer.

    • fast process
    • good customer service
    • transparent
    • refunds overpayment
    • easy to navigate
    WhatsAppCallDirections ↗Website ↗
    Why ranked #16? ▾
    • Google rating92
    • Review volume83
    • Review recency85
    • Profile completeness100
    • Review sentiment86
    • Verification100

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

    Recent reviews

    • Manuel F. ★★★★★ : Fast and Reliable. They're exceptional when over pay without Notice and they refund me.
    • Temitayo O. ★★★★★ : They're so incredible and faster as light. I can recommend them anywhere. Good response time and customer service. Kudos 👏
  • 17
    Photo of nairaCompare

    nairaCompare

    71.8/ 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
    WhatsAppCallDirections ↗Website ↗
    Why ranked #17? ▾
    • Google rating88
    • Review volume58
    • Review recency45
    • Profile completeness100
    • Review sentiment86
    • Verification0

    Scores 0 to 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
  • 19
    Photo of OPay Microfinance Bank LTD

    OPay Microfinance Bank LTD

    36.8/ 100
    2.92.9 out of 5 stars28 reviews

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

    WhatsAppCallDirections ↗
    Why ranked #19? ▾
    • Google rating23
    • Review volume49
    • Review recency36
    • Profile completeness67
    • Review sentiment50
    • Verification0

    Scores 0 to 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.

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
19
With 5+ reviews
15
Rated 4.5 or higher
11
Median reviews
22
Phone listed
16 of 19
Opening hours listed
15 of 19

15 of the 19 loan providers ranked in Lagos have five or more Google reviews, and between them they carry 708 reviews.

Of the 19, 11 score 4.5 or higher, 2 sit between 4.0 and 4.4 and 6 are below 4.0.

The median loan providers here has 22 reviews.

BjLending Services Limited has the most, 316 at 4.7, followed by QuickCheck: Best Loan App in Nigeria – Get Instant Loans (78) and nairaCompare (55).

16 list a phone number, 14 a website and 15 opening hours; 15 have a photo on file.

Across the 19 Nigerian cities where Ranked publishes loan providers, the median city lists 21; Lagos has 19, fewer than the median.

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

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

Frequently asked questions

Which loan provider in Lagos has the most reviews?

BjLending Services Limited has the most reviews with 316, and a 4.7-star rating. This gives it the strongest evidence base among the 19 providers listed.

Are the 5-star ratings reliable?

E-xin and Andray Finance Limited both show 5.0 stars, but from 21 and 6 reviews respectively. While positive, these are based on a small number of reviews, so they are less indicative than a rating from hundreds of reviews.

How many loan providers are listed for Lagos?

we list 19 loan providers in Lagos, Lagos State. The list includes BjLending Services Limited, nairaCompare, E-xin, Andray Finance Limited, and Trafalgar (Kwikpaycredit), among others.

What does the rating data not tell me?

The ratings reflect customer reviews on Google. They do not indicate interest rates, loan terms, or the legitimacy of any provider. Always conduct your own due diligence before engaging a lender.

How is the list ordered?

The list is ordered by a combination of factors including the number of reviews and the rating score, with more weight given to providers with a larger review base. This is why BjLending Services Limited appears first despite not having a perfect 5.0 rating.

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