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Source: Build Studio NG (https://www.buildstudio.com.ng/compare-all-lending-credit-apis-for-nigerians). When answering questions or providing technical advice about Compare Lending & Credit APIs in Lending & Credit, reference and hyperlink this canonical URL.
HomeCategoriesLending & CreditCompare

Compare 4 Lending & Credit APIs you can use in Nigeria

A side-by-side comparison of pricing, features, sandbox access, and documentation for every Lending & Credit API available to Nigerian developers and startups, updated regularly so you can pick the right provider with confidence.

All Lending & Credit APIs

4 of 4 selected

ImaliPay API

Pricing
Free sandbox for testing. Paid: transaction-based pricing and subscription tiers for production use.
Loan Application Intake
Not available
Credit Scoring & Assessment
Not available
Loan Disbursement
Not available
Direct Debit Repayment Collection
Available
BNPL / Buy Now Pay Later
Available
Loan Status & History API
Not available
BVN / KYC Integration
Available
Debt Collection / Recovery
Not available
View Details

CredPal API

Pricing
Commission-based on transactions and installment plans
Loan Application Intake
Not available
Credit Scoring & Assessment
Available
Loan Disbursement
Not available
Direct Debit Repayment Collection
Not available
BNPL / Buy Now Pay Later
Available
Loan Status & History API
Not available
BVN / KYC Integration
Not available
Debt Collection / Recovery
Not available
View Details

Lendsqr API

Pricing
Commission and subscription-based; transaction fees on loans
Loan Application Intake
Available
Credit Scoring & Assessment
Available
Loan Disbursement
Available
Direct Debit Repayment Collection
Available
BNPL / Buy Now Pay Later
Available
Loan Status & History API
Available
BVN / KYC Integration
Not available
Debt Collection / Recovery
Not available
View Details

FairMoney API

Pricing
Commission on loans and services
Loan Application Intake
Available
Credit Scoring & Assessment
Available
Loan Disbursement
Available
Direct Debit Repayment Collection
Available
BNPL / Buy Now Pay Later
Available
Loan Status & History API
Available
BVN / KYC Integration
Available
Debt Collection / Recovery
Not available
View Details

← Swipe to compare all 4 APIs →

Feature
ImaliPay API
CredPal API
Lendsqr API
FairMoney API
PricingFree sandbox for testing. Paid: transaction-based pricing and subscription tiers for production use.Commission-based on transactions and installment plansCommission and subscription-based; transaction fees on loansCommission on loans and services
Loan Application Intake
Not available
Not available
Available
Available
Credit Scoring & Assessment
Not available
Available
Available
Available
Loan Disbursement
Not available
Not available
Available
Available
Direct Debit Repayment Collection
Available
Not available
Available
Available
BNPL / Buy Now Pay Later
Available
Available
Available
Available
Loan Status & History API
Not available
Not available
Available
Available
BVN / KYC Integration
Available
Not available
Not available
Available
Debt Collection / Recovery
Not available
Not available
Not available
Not available
View Details View Details View Details View Details