Maximum borrowing amount

₦500,000

Loan interest as low as 4%

Term up to 365 Days

100% online application
No collateral
No hidden fees
Fast approval

The best online personal loan method for you

No supporting documents required, simple process, get a loan in 5 minutes

90 days

50,000

4%

50,500

180 days

200,000

4%

204,000

270 days

300,000

4%

309,000

360 days

500,000

4%

520,000

Term

Interest Rate

Amount

Repay ment

90 days
4%
50,000
50,500
180 days
4%
200,000
204,000
270 days
4%
300,000
309,000
360 days
4%
500,000
520,000

*The loan amount, interest rate and repayment are subject to actual approval. The chart data is for reference only.

LairaPlus Loan Advantages

Low threshold

All Nigerian residents aged 18-55 years old can apply

High quota

Up to ₦500,000 credit limit

Fast arrival

Approved in as little as 5 minutes

More flexible

Supports installment repayment up to 365 days

LairaPlus Loan Advantages

LairaPlus loan details & process

Download LairaPlus APP and enter the homepage and click “Get My loan”

Enter the amount and submit the loan application

Deposit to your receiving bank card

Introduction to LairaPlus

Introduction to LairaPlus

LairaPlus is Nigeria’s leading online cash loan platform, providing fast and convenient credit borrowing services to individuals in urgent need of funds. The loan acquisition process is simple, 100% online application, no collateral or supporting documents required. Fees are 100% transparent and loans can be approved and disbursed quickly. LairaPlus also has personalized repayment methods, and the borrower’s information and privacy are fully protected, making it the first choice for Nigerians to rely on reliable loans. LairaPlus makes cash flow easier.

Recommended for more loan information

LairaPlus online loan application,best loan app in nigeria with low interest rate

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Get your loan in just 3 easy steps.

Fast, secure, no collateral or supporting documents required, 100% online application, first loan up to ₦500,000.

Frequently asked questions about loans

The age requirement is Nigerian residents aged 18-55; you need to provide your ID card and receiving bank card and other information during the application process.

LairaPlus’s loan process is 100% online application and completion, without any collateral or guarantor.

The LairaPlus loan limit is automatically given by the system after a comprehensive evaluation based on multi-dimensional evaluation standards.

Once your loan application is approved, you need to sign a contract and repay it on time according to the repayment plan specified in the contract.

Charges include interest, loan service fees (if any), and penalty interest if overdue. The specific charging standards are shown on the loan page. You can download the LairaPlus App to apply and view it.

You can make manual repayments through LairaPlus Loan App.

The age requirement is Nigerian residents aged 18-55; you need to provide your ID card and receiving bank card and other information during the application process.

The LairaPlus loan limit is automatically given by the system after a comprehensive evaluation based on multi-dimensional evaluation standards.

Charges include interest, loan service fees (if any), and penalty interest if overdue. The specific charging standards are shown on the loan page. You can download the LairaPlus App to apply and view it.

LairaPlus's loan process is 100% online application and completion, without any collateral or guarantor.

Once your loan application is approved, you need to sign a contract and repay it on time according to the repayment plan specified in the contract.

You can make manual repayments through LairaPlus Loan App.

Delete personal information & data

You can delete your personal information and data via the URL below
Delete personal information & data

If I need money urgently, how much can I borrow at most?

₦500,000