---
title: "JaraMoni: Personal Loans in Nigeria — Fees"
description: "Get instant personal loans in Nigeria: borrow ₦3,000–₦300,000, repay in 90–365 days, with ~12%–36% annualized interest. No collateral."
canonical_url: "https://liners.com/jaramoni"
markdown_url: "https://liners.com/jaramoni.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/jaramoni/screenshot.webp?v=1786157187799"
published_at: "2026-08-08T02:47:06.137Z"
updated_at: "2026-10-05T05:11:18.241Z"
---

# JaraMoni: Personal Loans in Nigeria — Fees

Get instant personal loans in Nigeria: borrow ₦3,000–₦300,000, repay in 90–365 days, with ~12%–36% annualized interest. No collateral.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [JaraMoni](/jaramoni)

## Summary

Licensed instant personal loan app for Nigerians

JaraMoni is a licensed Nigerian lending app by Evandale Lending Ltd, offering short-term personal loans of ₦3,000-₦300,000 repayable over 90-365 days.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.jaramoni.com/ |
| Tagline | Licensed instant personal loan app for Nigerians |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

JaraMoni is a licensed **digital lending app** operated by Evandale Lending Ltd, a company based in Ogba, Lagos State, Nigeria. It lets Nigerian residents apply for and receive short-term personal loans directly from their mobile phones, without physical paperwork or collateral.

Loan amounts range from approximately **3,000 NGN to 300,000 NGN**, with repayment periods between 90 and 365 days and **annualized interest rates of roughly 12% to 36%**. Applicants must be at least 18 years old, hold a Nigerian Bank Verification Number (BVN), have a Nigerian bank account, and show proof of a stable source of income.

To use the service, users download the **app** from the **Apple App Store** or **Google Play**, register with a Nigerian mobile number, submit basic personal and income details, then choose a loan amount and repayment term. Once approved, funds are disbursed directly to the applicant's linked bank account.

JaraMoni is **available on Android and iOS** and is aimed primarily at **Nigerian consumers** who need quick access to short-term personal credit for needs such as medical expenses, emergencies, or everyday purchases.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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