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Top 10 Loan Apps in Nigeria That Offer ₦100,000+ — Guide & How to Qualify

Digital loan apps continue to revolutionize financial access in Nigeria. As 2026 begins, many reliable apps now offer ₦100,000 or more instantly without collateral. Whether you need funds for school fees, emergencies, or business expansion, these apps make borrowing easier — provided you meet their qualifications.

What to Check Before Applying

• Ensure the app is licensed by the CBN or listed under the FCCPC approved loan apps.
• Review interest rates, tenure, and hidden fees.
• Confirm repayment flexibility and no harassment policies.
• Borrow only what you can comfortably repay.

Also check out: Get Up To 200k Naira Loan With Renmoney App Review 2025 — How to Download

Top 10 Loan Apps in Nigeria in 2025 (2026)

1. FairMoney

FairMoney offers between ₦2,000 – ₦3,000,000, making it a leading option for Nigerians seeking ₦100k+ loans. Repayment terms range from 1–12 months.

How to Qualify: Link your bank account and BVN, maintain a positive repayment record.

Download FairMoney

2. Carbon (Paylater)

Carbon provides up to ₦1,000,000 loans with flexible repayment plans and additional financial services like savings and investments.

Download Carbon

3. Branch

Branch loans range from ₦2,000 to ₦1,000,000 with fast approval and data-driven credit scoring.

Download Branch

4. Renmoney

Renmoney is CBN-licensed, offering ₦50,000 to ₦6,000,000 for both salary earners and business owners, repayable in up to 24 months.

Download Renmoney

5. Aella Credit

Aella Credit provides between ₦2,000 – ₦1,500,000, focused on professionals and salary earners with additional insurance and investment features.

Download Aella Credit

6. EaseMoni

EaseMoni by Blue Ridge MFB offers ₦3,000 to ₦2,000,000 loans with tenures up to 12 months. Interest rates range 5–10% monthly.

Download EaseMoni

7. OKash

OKash loans go up to ₦1,000,000 with a smooth approval process and repayment periods between 91–365 days.

Download OKash

8. QuickCheck

QuickCheck uses AI to approve loans between ₦1,500 – ₦500,000. Returning users may qualify for ₦100k+ instantly.

Download QuickCheck

9. Umba

Umba offers personalized loans up to ₦200,000, integrating mobile banking and bill payments within its platform.

Download Umba

10. CreditVille

CreditVille provides salary-backed loans from ₦100,000 to ₦4,000,000 with repayment terms up to 18 months for verified employees.

Download CreditVille

How to Qualify for ₦100,000+ Loans in 2025-2026

1. Install and register on the chosen app with correct details.
2. Verify your BVN and link your active bank account.
3. Show consistent income or transaction history.
4. Repay previous loans promptly to increase your credit score.
5. Maintain a stable source of income and avoid defaulting across multiple apps.

Smart Borrowing Tips

• Always read loan terms carefully before accepting.
• Borrow only what you can repay comfortably.
• Set reminders for repayment dates.
• Avoid using multiple loan apps simultaneously.
• Report any illegal or harassing lender to FCCPC Nigeria.

In 2025, accessing ₦100,000+ loans in Nigeria is easier than ever through trusted apps like FairMoney, Carbon, Renmoney, and others. Always prioritize responsible borrowing, transparency, and repayment discipline to maintain a healthy financial life.

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