SmartNaira

Floodlights Technology Limited

2035

Loan amount

NGN30,000 - NGN300,000

Loan period

91 to 365 days

Loan interest rate

12% - 30%

Loan service fee

6% to 24%

Registration conditions

You just need to be 18 years old

Payment support

Bank payment

Apply Now

Version:

5.1.2

Support:

Android 6.0 and up

Updated Date:

Dec 10, 2025

Downloads:

100K+

Size:

23MB

Email:

[email protected]

Hotline:

+2349054339717

Website:

https://smartnaira.app

Working hours:

7:30 Am - 5:00 Pm

Address:

Efab City Estate, Abuja, Federal Capital Territory, Nigeria

Information

Citizenship requirement

Nigerian citizen

Age requirement

Must be at least 18 years old

Income requirement

Having a job and a stable monthly income

Personal phone number

Provide your accurate personal phone number

Bank account / E-wallet

Pay online or via e-wallet

Required documents

Provide accurate personal ID

Minimum loan amount

NGN limit 30,000

Initial loan interest rate

With an interest rate of 12%

Fixed loan amount range

Interest-free for new customers for the first 7 days

Fixed interest rate

Currently fluctuating between 12% and 30%

Fixed loan term

91 to 365 days

Processing time

Within approximately 30 minutes of successful registration

Consulting / service fee

6% to 24%,

Late payment fee

A fine of 200 VND/day will be imposed

SmartNaira offers users in Nigeria the opportunity to access online funding quickly, conveniently, and efficiently, with diverse loan terms to suit various financial needs. Applying for a loan is easy; simply provide the required information and conditions to successfully apply.

Easy Loans, Fast Disbursement

When you need money urgently, SmartNaira helps you apply for a loan in just minutes without complicated procedures. The application utilizes modern financial technology to simplify the entire loan process, from application to disbursement. Clear approval criteria, attractive offers, and no limitations on the purpose of the funds. Immediately after your application is approved, the loan will be transferred directly to your bank account.

Screenshot 1547

The registration process is just 3 steps

Create an account using your personal phone number
Provide basic information quickly
Choose a loan amount that suits your needs

SmartNaira prioritizes customer privacy. All personal data is strictly protected and not shared with any third party.

Loan Calculator

Based on the loan amount

I want to borrow

Term / Days

%/day

Loan Amount

10 000 000 $

Interest

70 000 $

Total Repayment

10 070 000 $

Annual Interest Rate

18 %

Apply Now

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.