Top 16 Loan Apps in Nigeria Offering Instant Christmas and New Year Loans (2025 Update)

Every December, millions of Nigerians look for quick and reliable loan options to enjoy the Christmas and New Year celebrations without financial stress. Whether it’s for shopping, travel, bills, or family expenses, festive season loans can be a lifesaver — especially when salary delays or emergencies strike.

If you’re searching for trusted loan apps in Nigeria that give Christmas and New Year loans instantly, this detailed guide highlights the top 16 apps offering special “Detty December” and “New Year” loan packages. These platforms provide high-approval instant loans, low paperwork, and flexible repayment plans designed for the festive season.

Let’s explore the best options and what you need to qualify.

1. EasyBuy VIP Loan – Exclusive December Offer

EasyBuy, known for its smartphone financing services, introduces a VIP Festive Loan every December between the 20th and 31st. This offer helps existing users access quick funds for holiday shopping or bills. Repayment is usually due by late January, with an interest rate that varies depending on your repayment history.

To qualify, maintain a good credit record on the app and ensure you have no pending EasyBuy balance.

2. FairMoney Festive Season Loan

FairMoney is one of Nigeria’s most trusted digital lenders. During the festive period (November–January), the app rolls out its Festive Season Loan Offer to users with consistent repayment records. You can borrow from ₦5,000 to ₦500,000 instantly, with repayment terms of 15 to 60 days. If you’ve used FairMoney before, simply check the app around December for a notification about the festive credit offer.

3. Branch Microfinance Bank Advance Loan

Branch offers a special Advance Salary Loan during December for both new and existing customers. Salary earners are the main target, and the offer helps cover extra festive expenses.

To check if you qualify, log into your Branch app or contact customer support directly. Your eligibility is based on your transaction history and credit score.

4. Carbon Loan App (Formerly Paylater)

Carbon remains one of Nigeria’s most consistent loan providers. Every year from mid-December to the end of January, Carbon runs a Holiday Loan Program designed to give users financial flexibility during Christmas and the New Year period. Loans range from ₦5,000 to ₦1,000,000, depending on your repayment history and usage of Carbon’s financial services like bill payment or savings.

5. PalmCredit Loan App

PalmCredit is another fast and reliable app that provides Xmas and New Year loans without collateral. Their festive package allows users to access up to ₦300,000 instantly, with repayment periods extending into late January or February. Ensure you maintain a high PalmCredit score to enjoy quick approval.

6. Migo Loan

Migo stands out for its flexibility and reliability. During the festive period, the app usually activates a Special Festive Loan Offer for both new and old users.

You can borrow up to ₦500,000 depending on your repayment history, and funds are disbursed instantly to your bank account. Migo is ideal for those who need emergency money to settle December or New Year plans.

7. UMBA Loan App

UMBA offers a digital banking experience with personal and salary loans. Around December, the platform provides Seasonal Bonus Loans to qualified users who maintain active UMBA accounts.

To qualify, make regular transactions through the UMBA app, such as airtime purchases or transfers.

8. GoGet Credit App

GoGet Credit is a top choice for salaried workers who want to boost their spending power during December. Their Year-End Loan plan helps you access quick cash with minimal documentation.

Visit the app in December to check eligibility or contact their support for the seasonal loan link.

9. 9Credit Year-End Loan

9Credit rolls out its Year-End Loan Campaign every December. The offer is usually visible on the app for users with consistent repayment records.

Borrowers can access between ₦10,000 and ₦200,000 to fund Christmas shopping, travel, or bills. However, you must repay on time to avoid penalties or harassment.

10. OKash Loan

OKash is one of the most active digital lenders during the festive season. Its Christmas Loan Offer targets users with solid repayment history.

Open your OKash app in December; if you’re eligible, a festive offer will appear under your available credit limit. Repayment usually extends to late January.

11. Irorun Loan

Irorun Loan App gives users easy access to small business or personal loans. During December, Irorun extends its services by offering Holiday Emergency Loans for users preparing for Christmas and New Year events.

The loan process is simple and fully online — perfect for urgent needs.

12. SureCredit Loan App

SureCredit is another platform that releases Festive Bonus Loans each December. Users with a steady repayment history enjoy higher credit limits and lower interest rates during this period.

It’s ideal for individuals planning to handle travel, gifts, or bills during the festive rush.

13. NewCredit Loan App

NewCredit provides quick, collateral-free loans, and during December, it promotes a Detty December Loan Package that helps users celebrate stress-free.

Ensure your BVN, phone number, and repayment record are valid to get approval.

14. Frimoni Loan App

Frimoni offers Holiday Assistance Loans that cover short-term festive expenses. This platform is known for quick disbursement and fair interest rates for existing users.

You can apply through the app and receive cash in minutes, especially around Christmas week.

15. GTBank Salary Advance Loan

For GTBank customers, the Salary Advance Loan is one of the most reliable festive loan options. It allows workers to access up to 50% of their next salary instantly, helping to cover expenses before payday.

Visit GTWorld or any GTBank branch to activate the offer in December.

Bonus: FCMB Ember Month Loan

First City Monument Bank (FCMB) provides Ember Month Loans every year to help customers manage expenses during the year-end rush. Salary earners and business owners can qualify through the FCMB app or by visiting a branch.

How to Get Christmas or New Year Loans in Nigeria

Getting a festive loan from these apps is simple:

1. Download the loan app from Google Play Store or Apple App Store.

2. Register using your BVN, phone number, and valid ID.

3. Build a repayment history before December (for higher approval).

4. Apply during December or early January when special offers appear.

5. Ensure your bank account and details are up-to-date for instant disbursement.

Requirements to Qualify

To qualify for festive loans, you must:

• Have a good credit score and repayment history.

• Maintain active mobile banking or loan app usage.

• Provide accurate personal and employment details.

• Avoid defaulting on previous loans.

Disadvantages of Festive Loans

While these loans can be helpful, borrowers should be cautious:

• High interest rates: Most festive loans come with higher interest due to increased demand.

• Short repayment period: Many must be repaid by late January or February.

• Credit damage: Failure to repay can negatively affect your credit score.

• Harassment risk: Some unregulated loan apps may call your contacts or share your information if you default.

• Debt cycle: Over-borrowing during festive periods can lead to a long-term financial burden.

Christmas and New Year should be about joy — not financial stress. The loan apps listed above are among the best trusted platforms in Nigeria that offer fast, reliable, and flexible festive credit. However, always borrow responsibly. Use these loans only when necessary and ensure timely repayment to maintain a good credit score. By planning ahead and choosing the right loan provider, you can enjoy a Detty December and a debt-free New Year.