---
title: "Sharp Collect: Personal Loan App in Nigeria"
description: "Get instant unsecured personal loans in Nigeria with AI approval in minutes. Repay in installments; daily interest from 0.08% (up to 36%/yr)."
canonical_url: "https://liners.com/sharp-collect"
markdown_url: "https://liners.com/sharp-collect.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/sharpcollect/screenshot.webp?v=1786022178219"
published_at: "2026-08-08T01:25:47.211Z"
updated_at: "2026-10-03T10:51:32.538Z"
---

# Sharp Collect: Personal Loan App in Nigeria

Get instant unsecured personal loans in Nigeria with AI approval in minutes. Repay in installments; daily interest from 0.08% (up to 36%/yr).

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Sharp Collect](/sharp-collect)

## Summary

Get instant unsecured loans with clear repayment terms

A digital lending app for Nigerian residents that offers instant unsecured personal loans, AI-based approval, flexible repayment plans, and transparent interest rates.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.sharpcollect.ng/ |
| Tagline | Get instant unsecured loans with clear repayment terms |
| Primary country | Nigeria |
| Platforms | Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Sharp Collect Quick Money is an Android digital lending app that provides unsecured personal loans to individuals in Nigeria through a fully online application and approval process.

Key capabilities include:
- **Instant loan offers and fast approval** using **automated KYC** and **AI-powered credit scoring**, with approvals designed to happen in minutes
- **Unsecured borrowing** with **no collateral**, **no paperwork**, and **no guarantors**, aimed at urgent expenses such as medical bills, car repairs, rent, and salary advances
- **Flexible installment repayments**, allowing borrowers to choose a tenure that fits their income cycle
- **Transparent pricing** with **no hidden fees** and an advertised **daily interest rate of 0.08%** (the research brief also notes a **maximum annual interest rate of 36%**)

Available on **Android** (Google Play Store). The website provides product information and support details.

It targets **Nigerian consumers (18+)** who need short-term credit and have a smartphone, internet access, and a valid bank account or mobile wallet.

Notable for the Nigeria market, the app is operated by **Newrgy Lending Limited (RC-1773539)** in Abuja and highlights compliance-focused lending, including references to Nigerian regulatory requirements, **SSL-encrypted** data protection, and direct **24/7 disbursement** to a linked bank account or wallet.

## 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](/sharp-collect/alternatives)
- [Reviews](/sharp-collect/reviews)
- [Transparency](/sharp-collect/transparency)

## Access and citation

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