Fair Loans by Cemes Ltd provides fast, affordable mobile credit with loan amounts from 5,000–30,000 pesos and APR up to 24% per year. Loans are delivered directly to your mobile, and you can hold multiple loans within your limit, backed by a privacy-focused identity verification process. Not ranked in top lists, it nevertheless shows strong user interest, with a rating of 4.47 from 77,063 reviews and 500,000+ total downloads, including 7.7K in the last 30 days.
Pros & Cons
Instant access to loans delivered to your mobile
Borrow multiple loans at once within your limit
No hidden transaction fees and clear repayment terms
Low effective APR up to 24% per year
Marketing could place more emphasis on online account management and broader 'fee' terminology, which some competitors highlight.
About Fair Loans
Fair Loans is a finance app developed by Cemes Ltd.
How many times has Fair Loans been downloaded?
Fair Loans has been downloaded 980 thousand times. In the last 30 days, the app was downloaded 7.7 thousand times.
What is the rating of Fair Loans?
Fair Loans is rated 4.47 out of 5 stars, based on 77 thousand ratings.
Is Fair Loans free?
Fair Loans is free to download. The APK download size is 6.37 MB. The latest version available is 3.1.3. The last update was on August 5, 2026.
What are the requirements for Fair Loans?
Fair Loans requires Android 5.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play since July 2021.
Description
Whatever your needs are, with Fair loans it's easy to apply for a small cash loan from 5000 to 30,000.
Easy, Fast and Convenient
Can’t wait for your loan? Get a loan as quickly as possible with our simple and hassle-free loan application process, Check out our quick credit with no paperwork! Maybe it’s for that purchase you just can’t wait for, or to take advantage of a great deal before you miss the opportunity. Or, perhaps an unexpected expense has come up and you don’t want to compromise your lifestyle.
Get loan in 3 Easy Steps. 1. Create your account 2. Confirm Identification Details 3. Apply your loan
1. Loan Amount: 5,000 – 30,000 pesos. 2. Loan Term: 90 up to 365 days (3 – 12 Months) 3. Loan Interest rate: Flexible loan rates option, Maximum APR 24% pa 4. Transaction fee: zero
Minimum repayment period is 65 days while the maximum repayment period is 120 days, with a maximum APR is 24% per year
Rest assured, there are no hidden transaction fees. This makes it easy to know exactly what you’re signing up for. Too easy!
Fair Loans is awesome and here is why; Instant access to loans sent straight to your mobile phone. You can borrow more than 1 loan at a time. *As long as you are within your loan limit.* Ability to sort out emergencies when they arise no matter where you are. Your information is secure and is not shared with third parties. Lowest interest rate in the market. It is easy to use.
Example 1: The principal amount is PHP 5,000 and the interest rate is 24%, then the full amount will be paid at the expiration date: 5.000 * 24% + 5.000 = 6.200.
Example 2: - Borrow NGN10, 000 over 6 months - Interest rate: APR 24% p.a. (fixed) - Total amount payable: NGN12400
Our Promise of Safety and Security
We take your privacy very seriously and we will never share your personal information with anyone except with strict permission from you. When you download the App, we will ask you for permissions to use your phone's data such as SMS history and other information. This information will strictly be used to verify your identity and create a credit score.
Contact Us: We would love to hear from you, write to us Email: cemesmobile@gmail.com
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Best loan app, it really speaks for its self, fair...
★★★★★Violet Banda· Sep 12, 2026
Am from applying, i only hope I get the money
★★★★★Francis Muyambango· Sep 5, 2026
After loan application no response whether no difficulties when applying usser friendly
★★★★★ntombi nkosingphile patiance· Sep 23, 2026
App is easily accessible and easy to use
★★☆☆☆Halima Getari· Sep 23, 2026
Have not gained any experience after the experience I will rate again
★☆☆☆☆Eliel Murara· Sep 4, 2026
Very easy to apply and quick but trust me you won't get the loan till forever
★★☆☆☆Zandile Nkosi· Sep 14, 2026
Good service and don't take time to respond
★☆☆☆☆moses kumwenda· Sep 4, 2026
It's very fast am jst waiting for the money
★★☆☆☆Mikado Patrick· Sep 18, 2026
Waiting for disbursement before further rate
Google Play Rankings for Fair Loans
This app is not ranked
Technologies used by Fair Loans
13 permissions·24 libraries
Subscribe to see full permission and library details
Trust & Safety: The app requests permissions related to network state, advertising IDs, and device data to verify identity and build a credit score. It states a privacy commitment: personal information will not be shared with third parties without explicit permission.
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
