NIGERIANS BEWARE: List of 45 Illegal Loan Apps in 2026

As of January 2026, the Federal Competition and Consumer Protection Commission (FCCPC) has placed 45 loan applications on a blacklist in Nigeria.

These apps were deemed illegal for not adhering to the Digital Lending Regulations, which has resulted in increased risks for users, including harassment, misuse of personal data, and predatory lending practices.

It is strongly recommended that Nigerians avoid using these unapproved apps and instead seek out lenders that have received approval from the FCCPC. Experts have highlighted that the delisted apps have engaged in unethical behaviors such as debt shaming, unauthorized access to user data, and the imposition of hidden charges.

Full list of 45 illegal loan apps (2026)

WeCredit

Hen Credit Loan App

Cash Door App

Joy Cash Loan up to 1000000 App

EagleCash App

LuckyLoan Personal Loan App

GetLoan App

EaseLoan Apps

Naira Naija Cashlawn App

EasyNaira App

Crediting App

Yoyi App

Nut Loan App

CashPal App

NairaEasy Gist Loan App

CamelLoan App

MoneyTreeFinance Made Easy App

CashMe App

CreditBox App

CashMama App

Crimson Credit App

Galaxy Credit App

XCredit iMoney Elsner Technology PVT Limited

Naira Naija

iMoneyPlus Instant

NairaNaija Instant

NowNowMoney

Naija Cash

Eagle Cash

FirstNell App

FlyPay Spark Credit SoftNaira App

CashDey App

NairaLoans Loans App

SwiftCash App

NaiaraLand App

Mama Credit Loan App

Nigeria Loan App

Loan 300000 Naira in CranCash

LinkLoan

FairKash Loan

Apex Lending