---
title: "Lending and Loans software products"
description: "Compare the best loan apps in Africa on Liners. Real user reviews, side-by-side comparisons and alternatives, updated for 2026."
canonical_url: "https://liners.com/tags/lending?page=6"
markdown_url: "https://liners.com/tags/lending.md?page=6"
type: "taxonomy"
language: "en"
updated_at: "2026-10-10T03:01:36.119Z"
---

# Lending and Loans software products

Compare the best loan apps in Africa on Liners. Real user reviews, side-by-side comparisons and alternatives, updated for 2026.

## Breadcrumbs

- [Tags](/tags)
- [Lending and Loans](/tags/lending)

## Summary

Compare the best loan apps in Africa on Liners. Real user reviews, side-by-side comparisons and alternatives, updated for 2026.

## About this page

Across Africa, digital lending has become a practical bridge between income cycles and urgent needs, from instant microloans and salary advances to buy-now-pay-later, SME working capital, and asset-backed finance like vehicle, solar, and agri-input loans. You will also find platforms that route applications to multiple lenders, plus lending infrastructure that other providers integrate to originate and service credit. Many of these products sit within broader [Fintech](/categories/fintech) ecosystems, where credit, payments, and wallets often connect.

When comparing lending and loan products, look beyond speed to the full borrowing experience. Key checks include eligibility and KYC requirements, pricing transparency on interest and fees, repayment methods, and what happens if you miss a payment. For founders and operators evaluating lending-as-a-service, focus on underwriting signals, collections and servicing tooling, reporting, regulatory coverage, and integrations with [Banking](/categories/banking) and [Bill Payments](/tags/bill-payments). Use cases vary by sector, for example property finance in [Real Estate & Property](/categories/real-estate-property) or input financing in [Agri Tech](/categories/agritech).

Liners curates lending products with hands-on review, checking that each option genuinely enables applying for, receiving, and repaying credit, or provides infrastructure lenders can rely on. Browse this page to compare loan apps, BNPL, and lender platforms by geography, target customer, and feature depth, and cross-reference adjacent capabilities like [Savings](/tags/savings) and [Investments](/tags/investments) when a bundled money app matters.

## Products

| Name | URL | Tagline | Country | Rating |
| --- | --- | --- | --- | --- |
| Bayes | /bayes-kenya | Get instant mobile loans to M-Pesa in Kenya | Kenya |  |
| Shopcredit | /shopcredit | Retail credit for fashion distributors to fund inventory | Nigeria |  |
| Fewchore Finance | /fewchore-finance | Loans, investments, and advisory for Nigerian individuals and SMEs | Nigeria |  |
| Sofri | /sofri | Digital banking, transfers, bills, and quick loans in one app | Nigeria |  |
| Southern Finance | /southern-finance | Apply online for short-term loans with fast payout | South Africa |  |
| oliv | /oliv | Finance your e-invoices in 48 hours | Egypt |  |
| Zash Loan | /zash-loan | Get personal loans to your M-PESA account in minutes | Kenya |  |
| Zofi Cash | /zofi-cash | Get salary advances instantly before payday | Uganda |  |
| EaseMoni | /easemoni | Apply for an instant personal loan online | Nigeria | 4 |
| Okolea International | /okolea-international | Fast SME loans with direct M-Pesa disbursement | Kenya |  |
| YALO | /yalo | Pay rent monthly while your landlord gets paid upfront | Nigeria |  |
| Irorun | /irorun | Get quick microloans in Nigeria for urgent expenses | Nigeria | 4 |
| eShandi | /eshandi | Digital loans, wallets, and everyday payments for Africa | Zambia |  |
| Sunshine Loans | /sunshine-loans | Apply online for short-term loans from R500 to R4,000 | South Africa |  |
| Carrot | /carrot | Borrow in US dollars without selling your investments | Nigeria |  |
| Q-Lana | /q-lana | Configurable loan and asset management for smarter lending | Rwanda |  |
| HiMoney | /himoney | Apply for collateral-free loans in Zimbabwe via mobile | Zimbabwe |  |
| Save. | /save | Save, borrow, and pay bills through trusted savings groups | Rwanda |  |
| Baines Credit Microfinance Bank | /baines-credit-microfinance-bank | Loans, savings, and investments for individuals and SMEs | Nigeria |  |

## Related pages

- [Search products](/search)
- [Best products](/best)

## Access and citation

- [Canonical HTML page](https://liners.com/tags/lending?page=6)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)