Loan apps that can give more than 100k in Nigeria

In Nigeria, the availability of small-scale loans through mobile apps has been a game-changer. However, for those seeking amounts above 100k, the options were limited. In this article, we’ll explore the best loan apps that cater to this need.

Carbon (formerly Paylater):

  • Carbon offers rapid loan services accessible via mobile phones.
  • Two major packages are available: one for salary earners and another for everyone else.
  • Additionally, the app allows bill payments and recharges.

How to Get a Carbon Loan:

  1. Register and provide necessary details.
  2. Upload a photo directly from the app.
  3. Click “Request a Loan.”
  4. Wait for loan approval (usually a few minutes).
  5. Accept the offer and provide card details.
  6. Loan duration ranges from 30 days to 12 months.


  • Branch offers collateral-free loans ranging from N1,000 to N200,000.
  • Simple registration process with fast approval.

How to Get a Loan From Branch:

  1. Download the Branch Loan app (currently available on Google Play Store).
  2. Create an account and fill out the form with accurate details.
  3. Apply for the loan.
  4. Receive funds in your bank account within 24 hours.

Aella Credit:

  • Aella Credit eases access to quick cash, focusing on employees with stable income.
  • It utilizes an algorithm to assess creditworthiness.

How to Access Aella Credit:

  1. Download the Aella Credit app from your preferred store.
  2. Create an account and update your profile.
  3. Check your eligibility and loan approval status.
  4. Apply for the loan based on your approved amount.
  5. Borrow only what you need.


  • Offers loans up to N200,000 with varying interest rates.
  • Term ranges from 7 to 30 days.

How to Apply for KiaKia Loan:

  1. Visit the website and create an account with accurate details.
  2. Start an application chat on the site.
  3. Upload a valid means of identification.
  4. Enter desired loan amount and duration.
  5. Upload screenshots of your last 3 salary or business income alerts.
  6. Accept loan terms and authenticate your bank account.


  • Offers loans ranging from N2,000 to N500,000 without collateral.
  • Requires bank account details.

How to Apply For A Loan:

  1. Create an account.
  2. Apply for a loan.
  3. Receive your loan in your bank account.
  4. Build your loan limit with each repayment.


  • Provides loans of more than 100k via its app.
  • Interest rates range from 15% to 30%, based on credit score and loan amount.

9ja Cash:

  • Allows loans up to N300,000 for a tenor of 180 days.
  • Interest rates range from 1% to 34%.


Loan apps are revolutionizing access to credit in Nigeria. To make an informed decision, consider using a loan comparison platform to weigh the pros and cons of different offers. Remember, borrowing responsibly is crucial.

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