GET THE LOAN YOU NEED

Compare Short-Term Personal Loans from Trusted Nigerian Lenders

Flexible terms and competitive rates tailored to your needs. Compare rates from 3% - 35%  interest rate. nairaCompare is an aggregator, not a lender. Rates, terms, and approvals are determined solely by each participating lender.
Check Your Eligibility

Why explore personal loans on nairaCompare?

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Clear Rates

Transparent Rates from 15% APR: Compare multiple lenders with annual rates between 3%-35%; depending on the lender, loan amount & your profile.

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Flexible Repayment

Terms from 3-24 Months: All loans have minimum 90-day terms. Choose those with monthly repayments that fit your budget.

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No Hidden Fees

We display all costs made available by our partner lenders, including interest rates, fees, and total repayment amounts, so you can make informed decisions.

Are you Eligible?

How It Works

Step 1

Apply Online

Tell us what you need, and we’ll show you loan offers from multiple verified lenders in one place.

Step 2

Choose Your Lender

Review loan options, compare rates and terms, and apply directly with your chosen lender. Some lenders may provide quick decisions, depending on verification and eligibility.

Step 3

Funds Disbursed by Lender

Approved loans are disbursed by lenders based on their criteria. nairaCompare helps you compare — we don’t lend.

Calculate Your Loan

Frequently Asked Questions

nairaCompare is a comparison platform, not a direct financial service provider. All financial products listed are offered by licensed third-party institutions. Terms and rates are subject to change by providers

Is nairaCompare a loan provider?

No. nairaCompare is not a lender. We are a loan comparison platform that helps you find and compare offers from multiple licensed financial institutions in Nigeria. You choose the one that suits you and apply directly to the lender.

How does nairaCompare work?

We make it easy to find the right loan. Simply enter your details once, review offers from verified lenders, and apply directly on your preferred lender’s website. It’s fast, transparent, and free to use.  

Will applying on nairaCompare affect my credit score?

No. Checking and comparing offers on nairaCompare does not affect your credit score. However, once you apply directly to a lender, they may conduct their own credit assessment.

What do I need to apply?

Requirements vary by lender but typically include: (1) a Valid Nigerian ID (2) Your Bank Verification Number (3) Proof of regular income; salary slips/bank statements (4) a Nigerian bank account (5) You must be 18 years or older (6) Employment or business verification 

Are the lenders on nairaCompare verified and safe?

Yes. We only list offers from licensed and verified lenders in Nigeria. We also protect your personal data using secure encryption and never sell your information to third parties. All rates are clearly disclosed on our listing page. https://nairacompare.ng/personal-loans/payday-loans-compare

nairaCompare is completely free to use. We don’t charge users any fees — our goal is to make comparing and applying for loans simple, safe, and transparent.

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Information on data security, privacy policies, and customer support

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