- APR
- 30.0–108.0%
- Amount
- ₦5k–₦250k
- Term
- 1–12mo
- Kuda app account required; monthly installment repayment; no paperwork
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Personal Loans
Best Personal Loans for First-Time Borrowers
Tailored loan options for new borrowers in 2026
Trending items
- APR
- 20.0–28.0%
- Amount
- ₦200k
- Term
- 6–60mo
- Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
- APR
- 35.4%
- Amount
- ₦5k–₦5M
- Term
- 1–12mo
- Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
- APR
- 54–195%
- Amount
- ₦2.5k–₦1M
- Term
- 2–12mo
- No collateral; no guarantor; no paperwork
- APR
- 25.44–31.8%
- Amount
- ₦50k
- Term
- 3–24mo
- Digital application through the Renmoney app; identity and income checks may apply
- APR
- 60.0%
- Amount
- ₦1.5k–₦1M
- Term
- 1–12mo
- No collateral; smartphone app application