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Navigating Personal Loans in Nigeria: Best Picks for October

Explore the top personal loan options in Nigeria this October. See how APR rates stack up and find the best fit for your financial needs.

Oct 25, 2026 Read more →

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UBA SME Business Loan

United Bank for Africa

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Kuda Bank Overdraft

Kuda

APR 30.0%–108.0%

Digital-first bank offering small personal loans through its popular mobile app.

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First Bank of Nigeria Personal Loan

First Bank of Nigeria

APR 20.0%–28.0%

Personal and consumer loans from Nigeria's oldest and largest bank by customer base.

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GTBank Salary Advance Personal Loan

GTBank

APR 35.4%–35.4%

Personal loans from one of Nigeria's largest commercial banks with competitive rates for salary earners.

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Carbon Personal Loan

Carbon

APR 54%–195%

Instant personal loans up to NGN 1,000,000 with no collateral. Quick disbursal via mobile app.

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Renmoney Personal Loan

Renmoney

APR 25.44%–31.8%

Personal and business loans with longer terms than most fintechs. Both app and web access.

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