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Find The Best Payday Loans in Nigeria

How much do you need?

Find the best payday loan deal

Need cash before your next payday?

Use Credit Nigeria to find the best payday loans in Nigeria. Simply fill in the loan application and we will directly request offers from payday lenders in Nigeria. You will get a list of loan offers from which you can select the best deal for you.


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Compare Payday Loan Offers Instantly with Any Device

Get a loan through Credit Nigeria with 3 simple steps.

Fill in the loan form

Complete and submit our short loan comparison application and we will provide you with eligible loan offers.

Choose a loan offer

Select the loan offer that best fits your requirements from the list of eligible loan offers

Get the money

Finalise your application with the chosen lender and get the loan disbursed to your account.

What is a payday loan?

A payday loan is an unsecured short-term loan that mainly available to salary earners. The loan terms for a payday loan usually includes a loan duration of up to 3 months, but many lenders request borrowers to repay the loan with their next salary. The borrower is usually given access to a loan amount of half of a monthly salary. Interest rates on a payday loan are also higher than average. 

Because a payday loan is a small amount and unsecured the disbursement process is fast compared to other loan types. When you apply for a payday loan online, the money can even be disbursed into your bank account within the same day.

Is a payday loan the right choice for me?

Occasionally you might need a cash advance for something that just can’t wait until your next payday or monthly salary. This is the reality for many, and this is why a payday loan might be the right loan to carry you until your next salary payment. 

When there is an emergency and you need access to cash as soon as possible for a short period, a payday loan can be indispensable during such an occasion.

How to find the best payday loan deals

  1. Fill in the application at
  2. Select the best loan offer for your situation
  3. Finalise the loan application with the lender
  4. Get the money disbursed to your account

Payday loans in Nigeria are usually paid out quickly – if the loan amount is small these quick online loans can even be paid out on the same day as the application was filed.

Payday loan lenders in Nigeria will normally require you to be able to prove that you receive a regular salary – and this will mean you need to upload bank statements in order to complete the form.


How Credit Nigeria Works

Credit Nigeria is a modern online loan comparison platform that provides a safe and easy way to find loan offers you are eligible for, compare loan offers and select the loan offer to your liking.

After completing the loan comparison form, you will get a list of loan offers you are eligible for within seconds. 

It's that fast, simple and all online.

What are payday loans?

A Payday loan in Nigeria is a short-term loan that is typically paid back from a portion of the borrower's income. The interest rate of the loan depends on the borrower's own income level and credit score.

How do payday loans work?

Due to the fact that a payday loan doesn’t require collateral, the interest rate of the loan will usually be higher than a collateral backed loan. Depending on the lender, the loan repayment might automatically be deducted from your upcoming income payments.

How to get payday loans?

A lender usually requires that you are employed and have a stable monthly income. Also, it is important not to have any history of defaults. Each lender has its own evaluation process and granting payday loans might differ between lenders.

Are payday loans legit/legal?

Payday loans are legal, but every borrower should carefully read the terms of the loan before committing to a loan. The interest rate of payday loans are usually high and are meant to be short-term, so it should be paid off as soon as possible.

How payday loans make money?

The lenders make their revenue through service charges and interest rate charges. It is really important to carefully read the terms before taking a loan. Make sure to calculate all charges and not just the interest rate.

Is payday loan online safe?

Applying for an online payday loan is generally safe, but be wary of online services that look dubious. We can only ensure the safety of your information on

Where to get payday loans

Most lenders offer their own versions of payday loans. However, the easiest way to get payday loan offers is to use the loan comparison service of Credit Nigeria.


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