fair.
November 2026
Loans

Credit, without the circus.

₦1,500 to ₦3,000,000 in minutes — no collateral, no guarantor, no office visit. And the total you'll repay, in naira, before you tap accept.

All products
₦3M
maximum loan
Minutes
to a decision
₦0
hidden fees, ever
Borrow
How much do you need?
₦250,000
3 months 6 months 9 months
What it costs
You receive₦250,000
Interest · 3 months₦22,500
Fees₦0
Total you repay₦272,500
Get ₦250,000
Speed

Eight years of credit history, working for you.

Fair runs on the engine that has priced millions of FairMoney loans since 2017. That's why there's no paperwork and no guarantor — the decision takes minutes, and the money lands in your Fair account instantly.

  • No collateral, no guarantor, no office visit
  • Limits grow as you repay — start small, build up
  • Money lands in seconds once you accept
App screenshot — loan offer
Placeholder. Replace with the offer screen capture.
The fair part

One number: the total you repay.

Not a monthly rate that compounds into a surprise. Before you accept, Fair states the full cost in naira — and that number never grows. Repay early and it shrinks.

  • Total repayment fixed at acceptance — no compounding surprises
  • Repay early, pay less interest — always
  • Struggling? Tell us in-app; restructuring is a conversation, not a penalty
A Lagos fashion designer at work in her studio
November 2026

Fair credit starts in November.

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Until doors open · November 1, 2026 · Lagos first, then everywhere