---
title: "FairMoney: Loan App in Nigeria"
description: "Get instant loans in Nigeria: up to ₦3,000,000 in about 5 minutes, plus SME loans up to ₦5,000,000, savings, free transfers & bill pay."
canonical_url: "https://liners.com/fairmoney"
markdown_url: "https://liners.com/fairmoney.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/fairmoney/screenshot.webp?v=1771637891651"
published_at: "2026-02-21T11:02:41.967Z"
updated_at: "2026-10-05T15:19:51.847Z"
---

# FairMoney: Loan App in Nigeria

Get instant loans in Nigeria: up to ₦3,000,000 in about 5 minutes, plus SME loans up to ₦5,000,000, savings, free transfers & bill pay.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [FairMoney](/fairmoney)

## Summary

Bank, save, and get instant loans from one app

A Nigerian digital banking app offering collateral-free personal and business loans, bank accounts with free transfers, savings products, bill payments, and POS services.

## Product details

| Field | Value |
| --- | --- |
| Website | https://fairmoney.io/ |
| Tagline | Bank, save, and get instant loans from one app |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating | 2.5 |
| Published reviews | 2 |
| Verified listing | Yes |

## About the product

FairMoney is a Nigerian digital banking and lending app for individuals and SMEs who need everyday banking, savings, and fast access to credit.

Key capabilities include:
- **Instant personal loans** with up to **₦3,000,000** available in about **5 minutes**, with no collateral stated on the product page
- **SME loans** offering up to **₦5,000,000** to help small businesses access working capital
- **Savings products** including **FairSave** (interest paid daily) and **FairLock** (fixed term deposits) with listed interest rates on the site
- **Payments and merchant tools**, including **bill payments** (site mentions discounts and zero transaction fees), **ATM cards** (site mentions cashback), and **POS service** via the Payforce network for accepting payments

Available on **Android and iOS**.

It primarily serves **consumers and small businesses in Nigeria** who want a mobile-first bank account, savings options, and credit in one place.

Notable in Nigeria’s fintech market for operating as a **Microfinance Bank**, reporting **millions of users and app downloads**, and processing **10,000+ loan disbursements per day** based on figures published on its website.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/fairmoney/alternatives)
- [Reviews](/fairmoney/reviews)
- [Transparency](/fairmoney/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/fairmoney)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)