Get the loan you need. Zero interest,
always.
Haqpay offers interest-free loans — no hidden charges, no riba, ever. We also offer halal savings with profit sharing for those growing their money the Islamic way.
We do loans now — Interest-Free
Watch how Haqpay works for you
Why Nigerians choose Haqpay
Interest-free loans and halal savings — built for real people.
Interest-Free Loans
Borrow what you need with zero interest (riba). Our loans are structured the halal way — you repay only what you borrowed, nothing more.
Fast Approval
Apply in minutes from your phone. We review quickly so you get access to funds when you need them most.
100% Shariah-Compliant
Every product on Haqpay — loans and savings — is fully shariah-compliant, reviewed and approved by Islamic scholars.
Halal Savings Too
We also offer halal savings where your money is invested in vetted businesses and you earn through profit sharing — no interest, ever.
How to get your loan
Three simple steps to an interest-free loan
Download the app
Get Haqpay free on Google Play Store or Apple App Store. Sign up in under a minute and verify your identity.
Apply for a loan
Tell us how much you need and why. Our process is simple, fast, and fully halal — no interest, no hidden fees.
Get funded, repay easy
Once approved, funds land in your account quickly. Repay on your schedule — you only ever pay back exactly what you borrowed.
Real people. Real loans. Zero interest.
Hear from Nigerians who got interest-free loans through Haqpay
“I needed ₦80,000 for my daughter's school fees. Haqpay approved my loan within 24 hours — no interest, no extra charges. I paid back exactly what I borrowed. Truly halal!”
Fatima A.
Kano
“I got a loan to stock my shop before Ramadan. The process was quick and simple. No riba whatsoever — I only repaid what I took. Haqpay is a blessing for Muslim traders.”
Musa B.
Kaduna
“I was hesitant to take a loan because of riba. But Haqpay is different. Totally interest-free and shariah-compliant. My husband and I both use it now.”
Hauwa I.
Abuja
Common questions
Got questions? We have answers.
Service Charge vs Interest — What's the difference?
We are transparent about what we charge. Here is exactly why our fee is halal — and how it is nothing like riba.
Haqpay Service Charge (Halal)
- ●A flat, one-time fee agreed upfront before you borrow
- ●Does NOT grow or increase over time
- ●The same whether you repay in 1 month or 3 months
- ●Covers real operational costs: processing, verification, platform maintenance
- ●Permitted in Islamic finance as Ujrah (administrative fee)
- ●You always know the exact total you will repay — no surprises
Interest / Riba (Haram)
- ●Grows the longer you take to repay — punishes you for delays
- ●A percentage of the loan added on top continuously
- ●Can double or triple what you owe if you miss payments
- ●Not linked to any real service — it is money made purely from lending money
- ●Explicitly forbidden (haram) in the Quran and Sunnah
- ●Creates debt traps that harm borrowers and communities
Example
With Haqpay (Service Charge)
You borrow ₦50,000. A flat service charge of ₦2,500 is agreed upfront. You repay ₦52,500 total — whether you pay in 1 month or 3 months. The charge never changes.
With Interest (Banks / Loan Apps)
You borrow ₦50,000 at 10% monthly interest. After 1 month you owe ₦55,000. After 3 months you owe ₦66,550. The debt keeps growing the longer you take.