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Personal Loans Aug 25, 2026: Navigating Personal Loans: Best Picks for August

Explore personal loans with APRs from 36.13% to 109.32% and loan amounts up to ₦10,000,000. Find the right loan for your needs.

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Kuda Bank Overdraft
Personal

30.0–108.0% APR ₦5k–₦250k 1–12 mo ⚡ minutes

Kuda app account required; monthly installment repayment; no paperwork

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First Bank of Nigeria Personal Loan
Personal

20.0–28.0% APR ₦200k 6–60 mo ⚡ bank review and disbursement to salary account

Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required

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GTBank Salary Advance Personal Loan
Personal

35.4% APR ₦5k–₦5M 1–12 mo ⚡ instant

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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Carbon Personal Loan
Personal

54–195% APR ₦2.5k–₦1M 2–12 mo ⚡ minutes

No collateral; no guarantor; no paperwork

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Renmoney Personal Loan
Personal

25.44–31.8% APR ₦50k 3–24 mo ⚡ fast app-based approval

Digital application through the Renmoney app; identity and income checks may apply

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QuickCheck Personal Loan
Personal

60.0% APR ₦1.5k–₦1M 1–12 mo ⚡ 5 minutes

No collateral; smartphone app application

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