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DUBLIN–(BUSINESS WIRE)–The “Nigeria Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan DUBLIN–(BUSINESS WIRE)–The “Nigeria Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan

Nigeria Alternative Lending Databook Report 2025: Market to Grow by 14.2% to Reach $756.2 Million in 2025 – Forecast to 2029 – ResearchAndMarkets.com

Autor: AI Journal
Zdroj: AI Journal
2026/01/05 20:00
6 min čtení

DUBLIN–(BUSINESS WIRE)–The “Nigeria Alternative Lending Market Size & Forecast by Value and Volume Across 100+ KPIs by Type of Lending, End-User Segments, Loan Purpose, Finance Models, Distribution Channels, and Payment Instruments – Databook Q4 2025 Update” report has been added to ResearchAndMarkets.com’s offering.

Alternative lending market in Nigeria is expected to grow by 14.2% annually, reaching US$756.2 million by 2025.

The alternative lending market in the country has experienced robust growth during 2020-2024, achieving a CAGR of 15.5%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 14.1% from 2025 to 2029. By the end of 2029, the alternative lending market is projected to expand from its 2024 value of US$662.0 million to approximately US$1.28 billion.

This report provides a detailed data-centric analysis of the alternative lending industry in Nigeria, offering comprehensive coverage of both overall and alternative lending markets. It covers more than 100+ KPIs, including loan disbursement value, loan disbursement volume, average loan ticket size, and penetration rate.

The report offers in-depth segmentation across lending dimensions, including type of lending (Bank-based/NBFC and Alternative Lending), end-user segments (Retail Lending and SME/MSME Lending), and loan types. It further categorizes the alternative lending ecosystem by finance models (P2P Marketplace, Balance Sheet, Invoice Trading, Real Estate Crowdfunding, and Other Models), distribution channels (Branch/Physical, Direct Digital, and Agent/Broker), and payment instruments (Credit Transfer, Debit Card, E-Money, and Others).

In addition, the analysis captures borrower demographics by age, income, and gender, alongside delinquency performance indicators. Collectively, these datasets provide a comprehensive and quantifiable view of market size, structure, lending behavior, and risk dynamics within the lending ecosystem.

Reasons to buy

  • Comprehensive Market Intelligence: Gain an integrated view of the overall and alternative lending landscape, combining macroeconomic context with detailed lending performance indicators such as loan disbursement value, volume, and average ticket size.
  • Granular Coverage of Alternative Lending: Explore the fast-evolving alternative lending ecosystem, including peer-to-peer (P2P) marketplaces, balance sheet lending, invoice trading, real estate crowdfunding, and hybrid finance models, supported by in-depth segmentation by end-user, loan purpose, and payment instrument.
  • Segment-Wise Insights and Cross-Analysis: Evaluate lending trends across consumer and SME/MSME segments, using advanced cross-segmentation to link finance models, loan purposes, and payment methods, offering a comprehensive understanding of credit origination dynamics.
  • Borrower-Level Behavioral Analytics: Understand borrower demographics and credit behavior through data on age, income level, gender distribution, and delinquency rates (30-day and 90-day), enabling sharper credit risk assessment and customer targeting.
  • Digital Infrastructure and Ecosystem Readiness: Assess the enabling digital ecosystem including smartphone penetration, internet access, digital wallet adoption, and real-time payments infrastructure that underpins the growth of fintech-driven lending models.
  • Data-Driven Forecasts and KPI Benchmarking: Access a comprehensive dataset of 100+ key performance indicators (KPIs) with historical and forecast data through 2030, providing visibility into emerging lending trends, growth drivers, and investment opportunities.
  • Decision-Ready Databook Format: Delivered in a data-centric, easy-to-analyze format, the Databook supports integration into financial models, strategy decks, and investor presentations, enabling stakeholders, including banks, fintechs, investors, and policymakers, to make informed, evidence-based decisions.

Key Attributes:

Report AttributeDetails
No. of Pages200
Forecast Period2025 – 2029
Estimated Market Value (USD) in 2025$756.2 Million
Forecasted Market Value (USD) by 2029$1280 Million
Compound Annual Growth Rate14.1%
Regions CoveredNigeria

Report Scope

Macroeconomic Overview: Nigeria Economic Indicators

  • Nigeria by Gross Domestic Product (Current Prices)
  • Nigeria by Population
  • Nigeria Unemployment Rate

Operational Enablers and Infrastructure Readiness

  • Smartphone Penetration
  • Internet Connectivity & Broadband Access
  • Digital Wallet Adoption Rate
  • Real-Time Payments Infrastructure
  • E-commerce Penetration

Nigeria Lending Market Size and Growth Dynamics

  • Loan Disbursement Value
  • Loan Disbursement Volume
  • Average Loan Ticket Size

Nigeria Lending Market Segmentation by Lending Type

  • Bank-based / NBFC Lending
  • Alternative Lending

Nigeria Lending Market Segmentation by End-User

  • Retail Lending
  • SME / MSME Lending

Nigeria Retail Lending Market Segmentation by Loan Purpose

  • Housing / Mortgage Loans
  • Auto Loans
  • Education Loans
  • Personal Loans
  • Other Retail Loan Types (e.g., BNPL, Travel, Green Loans, Payday)

Nigeria SME / MSME Lending Market Segmentation by Loan Purpose

  • Working Capital Loans
  • Expansion Loans
  • Equipment / Machinery Loans
  • Invoice Financing / Factoring
  • Trade Finance (Import / Export)
  • Real Estate / Commercial Property Loans
  • Other SME Lending (e.g., Digital Adoption, Franchise Financing)

Nigeria Lending Market Segmentation by Distribution Channel

  • Branch / Physical
  • Direct Digital Lending
  • Agent / Broker Channel

Nigeria Alternative Lending Market Size and Growth Dynamics

  • Loan Disbursement Value
  • Loan Disbursement Volume
  • Average Loan Ticket Size

Nigeria Alternative Lending Market Segmentation by End-User

  • Consumer Lending
  • SME / MSME Lending

Nigeria Alternative Lending Market Segmentation by Finance Models

  • P2P Marketplace
  • Balance Sheet Lending
  • Invoice Trading
  • Real Estate Crowdfunding
  • Other / Hybrid Models

Combined View: Finance Models by End-User Segments

  • P2P Marketplace – Consumer Lending / SME Lending / Property Lending
  • Balance Sheet Lending – Consumer Lending / SME Lending / Property Lending

Nigeria Alternative Lending by Loan Purpose – Consumer Lending

  • Personal Loans
  • Payroll Advance
  • Home Improvement Loans
  • Education / Student Loans
  • Point-of-Sale (POS) Credit
  • Auto Loans
  • Medical Loans
  • Other Consumer Lending Types

Nigeria Alternative Lending by Loan Purpose – SME / MSME Lending

  • Lines of Credit
  • Merchant Cash Advance
  • Invoice Factoring
  • Revenue-Based Financing
  • Other SME Loan Types

Nigeria Alternative Lending Segmentation by Payment Instrument

  • Credit Transfer
  • Debit Card
  • E-Money
  • Other Instruments

Cross-Segmentation: Finance Models across Payment Instruments

  • P2P Marketplace across Credit Transfer / Debit Card / E-Money / Other
  • Balance Sheet Lending by Payment Instrument
  • Invoice Trading by Payment Instrument
  • Real Estate Crowdfunding by Payment Instrument
  • Other Models by Payment Instrument

Nigeria Alternative Lending – Borrower-Level Insights: Consumer Demographics & Behavior

  • Borrower Distribution by Age Group
  • Borrower Distribution by Income Level
  • Borrower Distribution by Gender

Nigeria Alternative Lending Credit Risk & Quality Metrics

  • Delinquency Rate (30 Days / 90 Days), 2024

For more information about this report visit https://www.researchandmarkets.com/r/7dlem5

About ResearchAndMarkets.com

ResearchAndMarkets.com is the world’s leading source for international market research reports and market data. We provide you with the latest data on international and regional markets, key industries, the top companies, new products and the latest trends.

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