---
title: "True Loan: Personal Loans in Nigeria — Download"
description: "Apply online for short-term loans in Nigeria up to ₦200,000. Terms 90–365 days, interest from 0.04%/day, service fees from 0%. Funds in 5 mins."
canonical_url: "https://liners.com/true-loan"
markdown_url: "https://liners.com/true-loan.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/kudipallyltd/screenshot.webp?v=1786021937578"
published_at: "2026-08-07T21:35:45.310Z"
updated_at: "2026-10-04T20:37:55.621Z"
---

# True Loan: Personal Loans in Nigeria — Download

Apply online for short-term loans in Nigeria up to ₦200,000. Terms 90–365 days, interest from 0.04%/day, service fees from 0%. Funds in 5 mins.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [True Loan](/true-loan)

## Summary

Apply online for short-term personal loans in Nigeria

A digital loan platform for Nigerian borrowers to apply online, get approved, and receive short-term personal loans up to ₦200,000 with stated fees and terms.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.kudipallyltd.com/ |
| Tagline | Apply online for short-term personal loans in Nigeria |
| Primary country | Nigeria |
| Platforms | Web, Android |
| Average rating | 3.7 |
| Published reviews | 12 |
| Verified listing | No |

## About the product

True Loan is a digital loan platform for individuals in Nigeria who need short-term personal loans and want to apply online.

Key features include:
- **Online application in four steps**: register with a **phone number** and **OTP verification**, enter basic information, submit the application, then receive funds after approval.
- **Defined loan amounts and terms**: advertised loan amounts up to **₦200,000** with a **90 to 365 day** loan term.
- **Stated pricing ranges**: advertised **interest as low as 0.04% per day** and **service fees as low as 0%** (rates and fees depend on approval outcomes).
- **Faster disbursement after approval**: the site states funds can be deposited **within five minutes at the earliest**.
- **Account cancellation**: an option to cancel an account, with a stated promise to erase personal information and loan records if cancellation conditions are met.

Available on **Web** and **Android**.

Target users are **consumer borrowers (B2C) in Nigeria** seeking an online loan application process with stated loan limits, term ranges, and fee disclosures.

Notable in Nigeria’s digital lending market context, the app store listing identifies the operator as **Kudi Pally Tech Limited**, includes an **FCCPC approval number (FCCPC/DSE/INV/ML/450)**, and provides support contact details (support@kudipallyltd.com, +234 9012919381).

## 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](/true-loan/alternatives)
- [Reviews](/true-loan/reviews)
- [Transparency](/true-loan/transparency)

## Access and citation

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