SmartNaira provides Nigerians with a convenient and efficient way to access online loans, with flexible term options ranging from 91 days to 365 days.

Quick, Hassle-Free Loan Services
Need a loan urgently? SmartNaira offers an easy and fast loan application process. We've integrated fintech solutions to create a seamless lending experience, catering to your financial needs with simple eligibility criteria, special offers, and unrestricted use of funds. After approval, funds are directly deposited into your bank account.
Get a Loan in 3 Simple Steps:
1. Register with your phone number;
2. Complete your personal details in just a few minutes;
3. Apply for the loan amount you need.

Product Details:
• Loan Tenure: 91 days to 120 days
• Loan Amount: Up to NGN300,000
• Annual Percentage Rate (APR): 12% - 30%
• Service Fees: 6% to 24%, monthly interest starting at 0.5%
• No Hidden or Transaction Fees
Example: For a 3-month loan of NGN40,000 with a 6% service fee and a 0.5% monthly interest rate, the APR is 12%. The total repayment amount would be NGN43,000.

Your Privacy and Security
We prioritize your privacy and ensure that your personal data is safe. We will never share your information with third parties.

Contact Us: We’re here to assist you. Reach out anytime.
• Email: [email protected]