10 Loan Apps That Do Not Defame Borrowers in Nigeria (2025)

If you’re looking for loan apps that do not defame or harass borrowers in Nigeria in 2025, you’re in the right page. For the past few weeks, a lot of Nigerians have come forward with painful experiences of being defamed, harassed, insulted, or public shamed by loan apps after missing repayment deadlines.

Some apps have gone as far as messaging borrowers’ friends and contacts with threatening messages — a clear violation of privacy and dignity.

But not all loan apps behave this way.

This article highlights 10 trusted loan apps that are:

FCCPC-approved
Highly rated by users on Google Play Store
Have not been associated with defamatory debt recovery tactics

Whether you’re borrowing for emergency needs, business capital, or personal use, these apps follow ethical lending practices, comply with FCCPC guidelines, and treat borrowers with dignity, even during repayment issues. Based on user reviews, ratings, and behavior, here are 10 trusted loan apps in Nigeria that are rated highly and do not harass or defame borrowers.

Table of Contents

The 10 Loan Apps That Don’t Defame or Harass Borrowers in Nigeria (2025)

1. Branch — Over 10 Million Downloads, 4.5★ Rating

The number one on our list of ten loan apps without defamation is Branch. It has been in existence for over 5 years now, lending money to Nigerians and other international countries.

Why it’s safe:
Branch is one of the safest loan apps that will not defame or harass you in any way, even when your loan is overdue for repayment. I’m talking from my own personal experience as a user.

Branch has maintained a strong reputation for non-harassing behavior. It operates across multiple countries and uses Artificial intelligence to check your creditworthiness without unnecessary intrusion.

This is what they use to determine how much loan they will give you, especially as a first timer. Mine was just N7k for the first time, to pay back N8600 in 30 days.

Although Branch doesn’t defame, borrowers should not abuse the privilege. Always pay back your Branch loan on time, don’t wait till the last day. Paying back your borrowed money on time will automatically increase your next loan amount.

Aside from respecting their customer’s privacy, I personally love Branch because of their low interest rate. My first loan with them was N7000 to pay back N8600 in 30 days.

After I paid back the first loan completely, my next loan amount was increased to a higher amount of N10,000 to pay back N12300 in 30 days or N13450 in 60 days.

All through my period of using Branch, I’ve never for once been defamed by them, even when I couldn’t pay back on time.

Loan range: ₦2,000 to ₦1,000,000
Repayment period: 4 to 40 weeks
Interest: 17% – 40%
FCCPC compliance: Yes
User rating: 4.5 (1.3 million reviews)

2. EasiMoni — 4.5★ Rating

Another safe loan app that won’t defame you is the EasiMoni. Many Nigerians are already using this app on a daily basis to sort out payment issues. It is operated by the popular Blue Ridge Microfinance Bank. One outstanding feature of EasiMoni is offering quick, collateral-free loans to Nigerians who are in need of urgent money.

Its high user rating reflects customer satisfaction and minimal complaints about harassment.

So if you’re looking for loan apps that do not defame and can give you up to 1 million naira, you know where to go.

Loan range: ₦3,000 to ₦1,000,000
Interest rate: 5% to 10% monthly
Downloads: 5 million+
User rating: 4.5 (222,145 reviews)

3. OKash — Ethical Lending, 4.5★ Rating

If you uses Opay, you might have come accross the Okash Loan feature. Infact it’s right in your Opay app, it is also from Blue Ridge MFB. OKash offers simple loan services through a user-friendly app, without the aggressive recovery tactics other apps are infamous for.

So guys, Okash is another trusted loan app that doesn’t defame and you can borrow up to 500k.

Have you tried Okash before, how was the whole process for you? Did you get the amount you wanted, what can you say about their repayment durations?

Loan range: ₦3,000 to ₦500,000
Repayment period: 91 to 365 days
User rating: 4.5 (198,000 reviews)
Downloads: 5 million+

4. WeCredit — 4.4★ Rating

Here we go with WeCredit as one of the legit loan apps that won’t defame or harass you in public, even though you missed your repayment date.

They stand out with their calm, customer-centered approach. No widespread reports of defamation or contact invasion have been associated with it.

Check out their loan percentage and user rating:

Loan range: ₦10,000 to ₦200,000
APR: 10% – 30%
User rating: 4.4 (32,650 reviews)

So when next you’re searching for loan apps that would not defame you or call your contact, you know where to go.

Your peace of mind is our priority here.

5. Carbon — A Full Digital Bank (4.3★ Rating)

Did we just mentioned Carbon? Yes, we did! Carbon is by far one of the safest Nigerian loan apps that won’t defame you or harass you in public. Infact, after Branch, my next most favorite loan App in Nigeria is Carbon. Why? Because their interest rate is fair enough and they don’t defame either.

Carbon is CBN-licensed and offers a full suite of financial services. Its professional debt management approach means no unsolicited messages to contacts.

Loan range: ₦1,000 to ₦1,000,000+
User rating: 4.3 (158,270 reviews)
Extra: Offers investment & savings options

6. FairMoney — Trusted by Millions (4.2★ Rating)

FairMoney is a licensed digital bank that processes 10,000+ loans daily. Its reputation is strong among borrowers who have never received harassing calls or messages from the platform.

Loan range: Up to ₦1 million
Repayment: Up to 12 months
Downloads: 10 million+
User rating: 4.2 (587,808 reviews)

7. PalmCredit — Instant Loans, No Drama (4.2★ Rating)

PalmCredit, from Newedge Finance, offers fast loans without collateral. It has grown to 10 million+ downloads with minimal user complaints about unethical recovery practices.

Loan range: ₦10,000 to ₦300,000
User rating: 4.2 (173,017 reviews)

8. NewCredit — Smart Lending, 4.1★ Rating

Another product from Newedge Finance, NewCredit uses AI to assess borrower eligibility. Reviews show users appreciate the lack of spammy or embarrassing recovery tactics.

Loan range: ₦10,000 to ₦300,000
Repayment: 91 to 365 days
User rating: 4.1 (65,763 reviews)

9. Renmoney — From a Licensed MFB (4.1★ Rating)

Renmoney is a microfinance bank regulated by the CBN. It offers personal and business loans and operates with professional loan recovery policies.

Loan range: ₦50,000 to ₦6 million
User rating: 4.1 (22,687 reviews)
Downloads: 1 million+

10. Xcrosscash — Low Amount, High Integrity (4.0★ Rating)

Though it offers lower loan amounts, Xcrosscash is still highly rated. It’s appreciated for respectful treatment of borrowers, even when payments are delayed.

Loan range: ₦10,000 to ₦50,000
User rating: 4.0 (32,846 reviews)
Repayment: 91 to 180 days

Final Thoughts: Choose Safe, Ethical Loan Apps

If you’ve ever received threatening SMS, embarrassing calls to your contacts, or defaming messages due to a loan default, you’re not alone. But that should never be the cost of borrowing.

Apps listed in this article are rated not just for their features, but for their ethical debt recovery, FCCPC compliance, and respect for your privacy.

✅ Borrow with confidence.
✅ Choose FCCPC-approved apps.
✅ Avoid apps known for harassment.

10 Loan Apps That Do Not Defame Borrowers in Nigeria (2025)

The 10 Loan Apps That Don’t Defame or Harass Borrowers in Nigeria (2025)