Over 50,000 Loans provided to small businesses in Nigeria

Get quick, secure loans within 24 hours


ClouLoan makes getting a personal loan simple by using the data on your phone including your SMS history to verify your identity and create a credit score. We encrypt the data you choose to share with us to protect your privacy. We take your privacy very seriously and promise to never share your information with third parties


Borrow up to N1,000,000.00 and be credited within 24hrs

Get your loan right to your bank account and you can choose to repay within 2 to 6 months.Interest ranges from 4.5% – 34%

Interest and service fees from 4.5% – 34%

with an equivalent monthly interest of 3% – 29% and APR of 29% – 365%.

Loans range loans from ₦5,000 to ₦100,000 with terms from 91 – 180 days.

Example: If you choose a 6-month loan and borrow N 1,000, Clouloan charges an interest rate of 4.4% per month. And the interest rate is 26.4%,we would charge you N263 as interest of 6-month repayment period. Total amount of repayment is N1,263.

Rates & Fees