Sunbay Credit
Loan amoun
10,000 – ₦1,500,000
Loan term
From 90 days up to 720 days
Fire Loan interest rate
APR: 80.3% – 87% annually
Loan service fees
₦1000
Registration requirements
Provide your personal phone number
Payment support
Online payment
Sunbay Credit
Information
Registered Operating Area
Nigerian citizen
Age Requirement
Applicants must be at least 18 years old
Income Requirement
Must have a stable job and regular income
Phone Number Requirement
Must have an active personal phone number
Payment Method
E-wallet and online payments
Identification Requirement
Valid personal ID
First Loan Amount
10,000 – ₦1,500,000
First Loan Interest Rate
Approximately 32%
New Customer Promotion
New customers enjoy interest-free loans for the first 5 days
Loan Interest Rate
APR: 80.3% – 87% annually
Loan Tenure
Flexible from 90 days up to 720 days
Approval Time
Approval within 30 minutes
Loan Service Fee
Ranges from ₦100 – ₦1,000
Late Payment Fee
₦500 penalty
Need cash urgently? SunBay Credit helps you stay financially in control anytime, anywhere. Life doesn’t always go according to plan. From unexpected expenses and business cash flow needs to personal emergencies, SunBay Credit delivers fast and flexible financial solutions right at your fingertips.
More flexibility with longer loan terms
- Quick credit activation Open your personal credit line in just a few minutes, with funds ready whenever you need them
- Comfortable repayment periods Choose loan terms of up to 720 days, helping reduce monthly repayment pressure
- Borrow more with good usage Maintain a positive credit history to automatically increase your credit limit
Simple process, ultra-fast handling
- 100% online application No paperwork, no waiting in line complete everything in just minutes
- Instant approval Receive your loan decision almost immediately
- Fast disbursement Once approved, funds are transferred to your account in a short time
SunBay Credit was created to serve Nigerians who understand that income and expenses can be unpredictable. Whether you are a freelancer, small business owner, trader, or office worker, we are always by your side when you need timely financial support.
See more
Loan Calculator
Based on the loan amount
Enter all the required parameters into the calculator to get an accurate monthly payment along with a visual representation of the interest percentage
I want to borrow
Term / Days
%/day
Loan Amount
10 000 000
$
Interest
70 000
$
Total Repayment
10 070 000
$
Annual Interest Rate
18
%
Number of Loans
Author:
Sabiha Sathi
Sabiha Sathi is an experienced financial expert in the fields of credit and lending, currently serving as the Content Manager for the website. With a user-centric approach, she focuses on sharing carefully curated information about trustworthy online loan applications and is committed to delivering clear, fast, and effective borrowing solutions tailored to specific financial needs.
Your Comment
Top Best Loan Apps
All
0
-
Loan amountFrom ₦5,000 – ₦200,000
-
Loan termFrom 90 – 360 days
-
Interest rateUp to 30% per year
-
Service feeMay apply depending on loan
-
EligibilityAges 20–60, Nigerian citizens
-
DisbursementFast transfer to registered bank card
0
-
Loan amoun10,000 – ₦1,500,000
-
Loan termFrom 90 days up to 720 days
-
Fire Loan interest rateAPR: 80.3% – 87% annually
-
Loan service fees₦1000
-
Registration requirementsProvide your personal phone number
-
Payment supportOnline payment
0
-
Loan amoun₦20,000 - ₦300,000
-
Loan term61 - 360 days
-
Fire Loan interest rateMaximum annual interest rate：30%
-
Loan service feesApproximately ₦800
-
Registration requirementsThe borrower must be a Nigerian citizen
-
Payment supportPayment via bank account
0
-
Loan amoun₦2,000 to ₦1,200,000
-
Loan term91 to 360 days
-
Fire Loan interest rateAnnual rate of return (APR) ranges from 20% to 30%.
-
Loan service fees6% to 24%
-
Registration requirementsHave a valid bank account
-
Payment supportPayment via bank account