Borrowing tool
What can you actually borrow in Nigeria?
Tell us your income, how much you need, and over how many months. we match against every loan app with a regulator record that we track and show what each would charge you. No paperwork; no email capture.
What each lender would charge
Sorted by total repayable, cheapest first. Numbers are estimates based on each lender's published monthly rate × your term.
Branch
Likely qualifiesLimit grows after each on-time repayment.
- Approved amount
- ₦150,000
- Monthly repayment
- ₦29,500
- Total repayable
- ₦177,000
- Effective APR
- 36.0%
Carbon
Likely qualifiesCredit-score-aware; rate drops with on-time history.
- Approved amount
- ₦225,000
- Monthly repayment
- ₦42,450
- Total repayable
- ₦254,700
- Effective APR
- 26.4%
FairMoney
Likely qualifiesCBN record: MFB. Salary-earners only for the higher tiers.
- Approved amount
- ₦225,000
- Monthly repayment
- ₦43,125
- Total repayable
- ₦258,750
- Effective APR
- 30.0%
Renmoney
Likely qualifiesLargest amount + longest tenor. Salary verification required.
- Approved amount
- ₦500,000
- Monthly repayment
- ₦96,833
- Total repayable
- ₦581,000
- Effective APR
- 32.4%
How this works
Each Nigerian loan app publishes (or quietly discloses) its monthly interest rate range and the income multiple it'll lend. We approximate their underwriting: max loan = monthly net income × multiple, then compute the total repayable at the lender's typical APR for your term. Output is an estimate. Actual approval depends on credit history, BVN signals, and the lender's risk model.
We only surface Nigerian lenders with a CBN record. The full FCCPC blacklist of banned predatory apps is at /loan-apps/blacklisted.