LCredit - Apply Instant Personal Loan Online

Easily Apply for Online Loans

Loan up to ₦ 50,000! Just need you to provide a valid BVN and Android phone

Instant Personal Loans

Get instant personal loans from ₦5000 to ₦ 50,000 to fit all your needs and dreams

Easy Collection of Documents

Doorstep collection of documents; just sign & hand over the required documents to the courier

1-click Subsequent Loans

Need another loan from LCredit? With one-time documentation, it’s just a click away. No further checks required

Zero Credit History

Never taken a personal loan previously? It’s okay - we serve the users who are new to credit and lending system.

Try how much you can borrow

Convenient application, rapid approval, low interest rate, up to ₦50,000

Features & Benefits

Loans up to NGN 50,000

You can borrow up to NGN 50,000. The amount you are eligible for depends on several factors, including your age, net monthly income, existing financial obligations, etc.

Flexible and Attractive Interest Rates

The personal loan starting rate is 11.99% for salaried and self-employed individuals with a maximum limit of 36%.

100% Paperless & Online Approval

Our personal loan procedure is completely paperless if you apply online. No heavy paperwork involved at all.

Quick Disbursal

After all checks are performed, the approved amount will be credited to your bank account within 30 minutes* of approval.

LCredit is a quality financial service plarform for Nigerians

Get loans, Anywhere, Anytime. In any emergency, whether it is day or night, you can get the loan within

Patient Testimonials

Really helpful executives in the team. Quick loan approvals. LCredit Team assisted me in a very good manner throughout the loan approval process and disbursement.

Bello Bala


Good Application to check your Credit score for the current month and that too free of cost and also get some offer from banks in which you are eligible. Nice app overall.

Felix Ozor


Very good app for instant personal loan online, free credit score and credit cards.



Excellent app!! A perfect to manage all your expenses, and also very efficient for fast loan approvals!

Etim David


Very good app to use. It shows all your accounts, payment history, credit score. Very easy to understand.



Excellent Service. Better than Banks ...easy documenation and less paper works and team also very supportive. I would suggest go for this app instead of any banks for loans

Anne Ademola


If you are a user of our App and want to give us your feedback or if you just want to say "Hi", please follow us and get in touch via the following platforms:



Do’s & Don’ts while Applying for an Instant Loan

Instant loan app are the outcome of technological advancements and digital revolution. While many people are skeptical of loan...

Can I get a personal loan if salary is less than 5,000?

In Nigeria, a personal loan is the most prevalent and popular way to obtain finances for a variety of...

What are Personal Loans

Aspirations and necessities are two factors that might lead to a personal loan application. Consumer loans are personal loans...

How Can I Get A Loan For Personal Use

A personal loan is a practical method to get a large sum of money quickly to meet your requirements...

How is EMI Calculated on Loan

With the growth of technology in the loan application process, EMI calculators have become increasingly popular in recent years...

How To Get & Use Token PIN

Do you have a Token PIN from Access Bank? It is crucial to have one since you will need...

Our Partners