Do you ever need quick cash for an emergency or a project? SunBay Credit may help. It is a loan app for Nigerians. You can apply anytime. You get fast access to funds through your phone.
SunBay Credit is for people aged 18 to 70 who live in Nigeria. You need a smartphone. You do not need collateral or lots of paperwork. The app works at any time, even at midnight, and the support team is always online. The contract is clear. No hidden fees.
The app offers loans from ₦10,000 up to ₦1,500,000. You can repay in as few as 90 days or stretch to 720 days. The annual rate (APR) ranges between about 80.3% and 87% . For example, if you borrow ₦1,500,000 for 720 days at a daily rate of 0.4%, you would repay about ₦3,876,000 . That figure shows how interest adds up over two years. The app says there are no surprises or hidden charges .
You can download the SunBay Credit app from Google Play. Its user rating stands at about 4.3 from around 43 votes . The app ranks among top finance apps in Nigeria on Google Play .
How to Use the App
First, download the app on your Android phone. Open it and register. You enter your name, phone number, and email. The app is simple and paperless . Then choose the amount and length of loan. Submit the request. The system reviews it fast. You get approval in minutes and your cash may hit your account soon after .
If you repay on time, the app may raise your credit limit. That means responsible use helps you borrow more later . Your personal data is protected. They use encryption and follow data rules in Nigeria .
Why Users May Consider It
The app works fast. It opens even late at night. No collateral. The support team is ready to help. The app’s terms are clear with no hidden charges . It is designed for Nigerians. The makers understand local needs. It can fit traders, self-employed people, or office workers .
Things to Watch
The interest is steep. Even though it is transparent, the APR—80% to 87%—is very high. Borrowing long or large amounts can double your repayment.
Be sure you can repay. Otherwise, the sum to return grows fast. The app works on trust. Missed payments could hurt your future access. The site says no surprises, but the high interest still poses a cost.
Also, the app appears not yet on the full approved list under the Nigerian digital lending regulator, FCCPC . That means regulation might still evolve. For now, check that SunBay follows rules and keeps your data safe.
How to Download and Apply
Download the SunBay Credit app from Google Play. Make sure it has good reviews—currently around 4.3 . Open it and sign up quickly. Request the loan you need and choose your repayment time. Review how much you must pay back. Confirm or cancel. If approved, funds arrive soon.
Final Words
SunBay Credit offers fast loans to Nigerians with minimal barriers. It gives clear terms and flexible repayment options. The loan limit may grow if you repay well. Still, the interest is very high. You must be sure you can repay. Use it only when necessary, and track your costs.
