3 Best APIs for Lending in Nigeria

We've analyzed and compared the top 3 API providers supporting Lending for Nigerian developers and businesses. Find the right infrastructure fit for your startup below.

Written by Editorial Staffs as at 5th August, 2026

All APIs with Lending

3 of 3 selected

Tendar API

Pricing: Commission-based on BNPL transactions; tiered for merchants
BNPL checkout: Available
Installment plan management: Available
Debt recovery: Available
Instant Loans: Not available
Quick Approval: Not available
Flexible Repayment: Not available
Low Interest Rates: Not available
Credit Scoring: Not available
SMS Notifications: Not available
Mobile App Integration: Not available
Bank Transfers: Not available
Payment Reminders: Not available
Loan History: Not available
Account Management: Not available
API Documentation: Not available
Webhook Support: Not available
KYC Integration: Not available
Real-time Status: Not available
Loan Calculation: Not available
Disbursement API: Not available
Security Features: Not available
Customer Support: Not available
Multi-currency: Not available
Loan management: Not available
Credit scoring: Not available
Disbursement: Not available
Repayment handling: Not available

View Details

FairMoney API

Pricing: Commission on loans and services
BNPL checkout: Not available
Installment plan management: Not available
Debt recovery: Not available
Instant Loans: Available
Quick Approval: Available
Flexible Repayment: Available
Low Interest Rates: Available
Credit Scoring: Available
SMS Notifications: Available
Mobile App Integration: Available
Bank Transfers: Available
Payment Reminders: Available
Loan History: Available
Account Management: Available
API Documentation: Available
Webhook Support: Available
KYC Integration: Available
Real-time Status: Available
Loan Calculation: Available
Disbursement API: Available
Security Features: Available
Customer Support: Available
Multi-currency: Available
Loan management: Not available
Credit scoring: Not available
Disbursement: Not available
Repayment handling: Not available

View Details

Lendsqr API

Pricing: Commission and subscription-based; transaction fees on loans
BNPL checkout: Not available
Installment plan management: Not available
Debt recovery: Not available
Instant Loans: Not available
Quick Approval: Not available
Flexible Repayment: Not available
Low Interest Rates: Not available
Credit Scoring: Not available
SMS Notifications: Not available
Mobile App Integration: Not available
Bank Transfers: Not available
Payment Reminders: Not available
Loan History: Not available
Account Management: Not available
API Documentation: Not available
Webhook Support: Not available
KYC Integration: Not available
Real-time Status: Not available
Loan Calculation: Not available
Disbursement API: Not available
Security Features: Not available
Customer Support: Not available
Multi-currency: Not available
Loan management: Available
Credit scoring: Available
Disbursement: Available
Repayment handling: Available

View Details

← Swipe to compare all 3 APIs →

Feature	Tendar API	FairMoney API	Lendsqr API
Pricing	Commission-based on BNPL transactions; tiered for merchants	Commission on loans and services	Commission and subscription-based; transaction fees on loans
BNPL checkout	Available	Not available	Not available
Installment plan management	Available	Not available	Not available
Debt recovery	Available	Not available	Not available
Instant Loans	Not available	Available	Not available
Quick Approval	Not available	Available	Not available
Flexible Repayment	Not available	Available	Not available
Low Interest Rates	Not available	Available	Not available
Credit Scoring	Not available	Available	Not available
SMS Notifications	Not available	Available	Not available
Mobile App Integration	Not available	Available	Not available
Bank Transfers	Not available	Available	Not available
Payment Reminders	Not available	Available	Not available
Loan History	Not available	Available	Not available
Account Management	Not available	Available	Not available
API Documentation	Not available	Available	Not available
Webhook Support	Not available	Available	Not available
KYC Integration	Not available	Available	Not available
Real-time Status	Not available	Available	Not available
Loan Calculation	Not available	Available	Not available
Disbursement API	Not available	Available	Not available
Security Features	Not available	Available	Not available
Customer Support	Not available	Available	Not available
Multi-currency	Not available	Available	Not available
Loan management	Not available	Not available	Available
Credit scoring	Not available	Not available	Available
Disbursement	Not available	Not available	Available
Repayment handling	Not available	Not available	Available
	View Details	View Details	View Details

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Tendar API

Tendar is a Nigerian BNPL (Buy Now Pay Later) and lending platform providing APIs for e-commerce integration and installment management. The Tendar API enables merchants to offer BNPL checkout, manage installment plans, handle debt recovery, and embed flexible payment options directly into platforms. Nigerian e-commerce sites, marketplaces, and merchants use Tendar API to increase conversion by offering customers installment payment options.

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FairMoney API

Lending and financial services API for Nigerian consumers and businesses. FairMoney provides APIs for credit assessment, loan origination, and digital lending services. Enables businesses to offer microcredit and financial services to their customers.

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Lendsqr API

Lending-as-a-Service (LaaS) API platform specifically designed for developers to build loan applications. Lendsqr provides complete lending infrastructure including loan management, credit scoring, disbursement, and repayment handling. Enables fintechs and platforms to quickly add lending capabilities without building from scratch.