{"app_store_id":6456485223,"slug":"fairmoney-save-spend-credit-6456485223","name":"FairMoney: Save, Spend, Credit","subtitle":"Instant Loan App For Fast Cash","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/b9/7d/61/b97d6118-9b24-6e61-6b7c-0546562a0bab/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/fairmoney-save-spend-credit/id6456485223?uo=4","price":0,"currency":"USD","rating":4.56125,"rating_count":14507,"in_app_purchases":false,"recent_rating":3.55,"recent_review_count":20,"reviews_checked_at":"2026-10-17T16:15:13.711Z","primary_genre":"Finance","version_date":"2026-10-22T09:52:35Z","updated_at":"2026-10-22T19:00:13.969Z","stale":false,"missing_since":null,"one_liner":"Nigerian finance app offering instant loans of up to NGN 3,000,000, savings products with interest, and an ATM card.","verified_maker":false,"maker_site":null,"file_size_bytes":346348544,"minimum_os":"16.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/81/10/6c/81106c02-8ccf-5bf4-88d0-08e32e0ba133/Screen_1.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a9/84/19/a984197f-360e-edc3-011c-ceafd06c9493/Screen_2.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/11/08/95/11089567-de50-9d6e-39d5-67814bdf97f2/Screen_3.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b4/9d/67/b49d67a9-03a6-c307-f14a-758c5e089b61/Screen_4.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4a/4a/8b/4a4a8b89-972e-094c-6712-07e409144853/Screen_5.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ea/48/fe/ea48fe92-e8f1-25c3-6b95-3c42d69c73eb/Screen_6.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/b5/29/6c/b5296c51-1eb0-ca15-0c6e-20544263d9fb/Screen_7.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/71/cc/b9/71ccb952-1522-7785-17e3-5fd721d9aa50/Screen_8.jpg/320x480bb.jpg"],"developer_name":"FAIRMONEY MICROFINANCE BANK LIMITED","editors_choice":false,"url":"https://apptierlist.com/apps/fairmoney-save-spend-credit-6456485223/","api_url":"https://apptierlist.com/api/v1/apps/fairmoney-save-spend-credit-6456485223","schema_version":"1.0","generated_at":"2026-10-23T17:59:32.023Z","data_as_of":"2026-10-23T13:22:05.573Z","description":"FairMoney - Nigeria’s Leading Online Loan App\n\nNeed an urgent loan or a reliable cash loan solution? FairMoney is your go-to loan app in Nigeria, providing fast and easy access to funds anytime, anywhere. With over 5 million users and 10,000+ daily loan disbursements, FairMoney stands out as the top loan app for individuals and businesses.\n\nWhy Choose FairMoney?\n\nFairMoney is a trusted finance partner that offers a seamless loan borrowing experience with a variety of features designed to meet your financial needs.\n\n1. Instant Loan \n\nFacing an unexpected expense? Get an instant loan of up to NGN 3,000,000 in less than 5 minutes. No paperwork, no long queues, and no collateral—just a simple and secure loan app experience.\n\n2. Flexible Repayment Plans\n\nChoose from loan repayment options ranging between 30 to 180 days, making it easier to manage your finances. Whether you need a small loan for personal use or a larger business loan, FairMoney is the fast loan app that adapts to your needs.\n\n3. Fastest Loan App – Quick Approvals & Instant Disbursal\n\nFairMoney is the fastest loan app in Nigeria, offering quick loans without lengthy verification processes. Apply, get approved, and receive your fast cash directly in your bank account.\n\nMore than Just a Loan App\n\nFairMoney isn’t just about loans; it’s an all-in-one finance platform designed to help you save, spend, and grow your money.\n\n・Earn While You Save\n\nLooking for a smarter way to save? FairMoney’s FairSave and FairLock features offer up to 21% interest on your deposits, outperforming traditional banks and microfinance institutions.\n\n・Seamless Transactions with the FairMoney ATM Card\n\nMake online and offline payments effortlessly with the FairMoney ATM card. Enjoy exclusive rewards and cashback, making everyday transactions rewarding.\n\n・Zero Hidden Charges – Transparent & Affordable Services\n\nWith FairMoney, what you see is what you get. Enjoy zero service charges on bill payments and free bank transfers. Say goodbye to hidden fees and enjoy an stress-free finance experience.\n\n・Security You Can Trust\n\nYour security is our priority. FairMoney employs facial recognition technology, instant card freezing, and advanced security measures to protect your funds and data. Whether you're taking a business loan or using the fastest loan app, your financial information remains safe.\n\nHow to Get a Loan with FairMoney?\n\nGetting started with FairMoney is simple:\n\n1. Download the FairMoney loan app from Apple App Store.\n2. Register and create your account in minutes.\n3. Apply for an instant loan or business loan.\n4. Receive fast cash directly into your bank account.\n\nExample Loan Offer\n\n・Loan Amount: NGN 100,000\n・Tenure: 3 months\n・Interest: NGN 6,000 (6%)\n・Total Repayment: NGN 106,000\n・Monthly Installment: NGN 35,333\n・Representative APR: 24%\n\nJoin the FairMoney Community\n\nBecome part of the millions who trust FairMoney as their preferred online loan app. Whether you need a fast loan, quick loan, or a platform for saving, FairMoney has you covered.\n\nAll deposits on FairMoney are insured by NDIC, ensuring your funds are protected.\n\nGet in Touch\n\nWe’re always happy to hear from you! Reach out to us for any questions or assistance.\n\n・Email: help@fairmoney.io\n・Phone: 017001276 / 01 888 5577\n・Address: 28 Pade Odanye Close, Off Adeniyi Jones, Ikeja, Nigeria\n\nStay Connected\n\nFollow us on social media for the latest updates:\n\n・Facebook: FairMoney Microfinance Bank | Lagos \n・Instagram: Instagram (@fairmoney_ng) \n・Twitter: FairMoney Microfinance Bank (@fairmoney_ng) on X \n・LinkedIn: https://www.linkedin.com/company/fairmoney/\n\nDownload FairMoney Today!\n\nGet the fastest loan app in Nigeria and enjoy the convenience of a secure and reliable cash loan solution. Download FairMoney now and experience effortless finance management like never before!","facts":{"developer_id":1700473219,"developer_url":"https://fairmoney.io/","first_released":"2023-11-27T08:00:00Z","support_url":"https://fairmoney.io/faqs","privacy_url":"https://fairmoney.io/privacy-policy","website_url":"https://fairmoney.io/","app_version":"1.148.0","release_notes":"Welcome to FairMoney 1.148.0!\nWe have made performance improvements to ensure a smoother, more reliable app experience. Update now to enjoy the latest enhancements! Got questions or feedback? We're always here at help@fairmoney.io. Thanks for being a part of our journey!","rating_current_version":4.56125,"rating_count_current_version":14507,"star_counts":[782,398,570,912,11839],"genres":["Finance"],"languages":["EN"],"content_advisories":["Infrequent/Mild Contests"],"device_families":["iphone"],"made_for_iphone_duo":null,"chart":{"name":"top-free Finance","position":194}},"freshness":{"apple_read_at":"2026-10-22T19:00:13.969Z","catalog_read_at":"2026-10-20T17:12:13.249Z","reviews_checked_at":"2026-10-17T16:15:13.711Z","summary_written_at":"2026-10-15T21:44:00.407Z","placed_at":"2026-10-15T02:35:53.194Z","scored_at":"2026-10-23T13:22:05.573Z"},"editorial":{"one_liner":"Nigerian finance app offering instant loans of up to NGN 3,000,000, savings products with interest, and an ATM card.","what_is":"FairMoney is a finance app listed under Finance that is free to download. The description says it offers instant loans with repayment terms of 30 to 180 days, savings features called FairSave and FairLock, and a FairMoney ATM card for payments.","good_for":["Borrowing funds for an unexpected expense in Nigeria","Saving money with interest-earning deposits","Making everyday online and offline card payments"],"pricing":"FairMoney: Save, Spend, Credit is free, with no in-app purchases on the App Store.","faq":[{"q":"Is the app free to use?","a":"The App Store listing shows it as free to download with no in-app purchases. The description says bill payments and bank transfers carry zero service charges, but loan costs are shown only in an example offer."},{"q":"How large can a loan be and how long is the repayment period?","a":"The description says loans of up to NGN 3,000,000 are available with repayment options between 30 and 180 days. Approval terms for individual applicants are not stated on the App Store."},{"q":"What does the example loan offer show?","a":"The example lists a NGN 100,000 loan over 3 months with NGN 6,000 interest, total repayment of NGN 106,000, monthly installments of NGN 35,333, and a representative APR of 24%."}],"model":"claude-haiku-5-5","created_at":"2026-10-15T21:44:00.407Z"},"memberships":[{"list":"loan-finding","list_name":"loan finding","list_status":"active","list_url":"https://apptierlist.com/best/loan-finding/","position":9,"tier":"B","score":79.5,"components":{"rating":91.2,"votes":81.7,"rank":45,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-15T02:35:53.194Z"}],"main_list":"loan-finding","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":185472,"at":"2026-10-20T11:50:11.794Z","kind":"tier_changed","list":"loan-finding","app_store_id":6456485223,"app":"fairmoney-save-spend-credit-6456485223","from":"C","to":"B","reason":"score 68.2 to 79.5","job":"rescore"},{"id":124792,"at":"2026-10-16T07:55:49.871Z","kind":"tier_changed","list":"loan-finding","app_store_id":6456485223,"app":"fairmoney-save-spend-credit-6456485223","from":null,"to":"C","reason":"list left review: 6 or more members checked, ranked #6","job":"rescore"},{"id":109944,"at":"2026-10-15T15:30:00.489Z","kind":"tier_changed","list":"loan-finding","app_store_id":6456485223,"app":"fairmoney-save-spend-credit-6456485223","from":"C","to":null,"reason":"list under review: fewer than 6 members checked from the list's side","job":"rescore"},{"id":99601,"at":"2026-10-15T07:58:36.036Z","kind":"tier_changed","list":"loan-finding","app_store_id":6456485223,"app":"fairmoney-save-spend-credit-6456485223","from":null,"to":"C","reason":"score 68.2","job":"rescore"},{"id":91706,"at":"2026-10-15T02:35:53.194Z","kind":"membership_added","list":"loan-finding","app_store_id":6456485223,"app":"fairmoney-save-spend-credit-6456485223","from":null,"to":"active","reason":"It is billed as Nigeria's leading loan app. It offers instant personal loans up to NGN 3,000,000 with 30 to 180 day repayment terms.","job":"shadow"},{"id":84955,"at":"2026-10-14T16:45:19.923Z","kind":"app_added","list":null,"app_store_id":6456485223,"app":"fairmoney-save-spend-credit-6456485223","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"loan-finding","list_name":"loan finding","status":"active","review_status":"checked","position":9,"tier":"B","score":79.5,"components":{"rating":91.2,"votes":81.7,"rank":45,"recency":100},"ranks":[{"country":"ca","rank":36}],"verdicts":[{"verdict":"keep","reason":"It is billed as Nigeria's leading loan app. It offers instant personal loans up to NGN 3,000,000 with 30 to 180 day repayment terms.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T02:35:53.194Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T02:35:53.194Z","attempts":1,"current":true}]}]},"data_version":41995,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/fairmoney-save-spend-credit-6456485223/"}}