Real rates from banks and fintechs. Compared side by side, no affiliate bias.
Personal loans, auto financing, mortgages, and credit-builder products across 40+ markets worldwide.
From APR
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Kuda
→ Kuda app account required; monthly installment repayment; no paperwork
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24–456%
FairMoney
→ Monthly income of ₦1,000+; no collateral; no physical paperwork
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54–195%
Carbon
→ No collateral; no guarantor; no paperwork
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35.4%
→ Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report
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36.0–99.0%
Branch
→ Phone number or Facebook account, ID number, and mobile money or bank account
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25.44–31.8%
Renmoney
→ Digital application through the Renmoney app; identity and income checks may apply
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Check rateFrom APR
60.0%
QuickCheck
→ No collateral; smartphone app application
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20.0–28.0%
First Bank of Nigeria
→ Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required
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Check rateFrom APR
48.0%
Stanbic IBTC
→ Salary paid into a Stanbic IBTC account; minimum net monthly income of ₦50,000; credit and affordability checks
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→ Functional salary account and last 6 months pay slip plus bank statement indicating salary inflows
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