Fair Loans by Cemes Ltd offers fast, paperless mobile micro-loans with instant access and clear terms. With loan amounts from 5,000 to 30,000 and an APR cap of 24% p.a., the app uses a simple 3-step process to get funded, with zero transaction fees. It holds a strong rating of 4.50 from 75,774 reviews and has 500,000+ total installs, with 13K in the last 30 days.
Pros & Cons
Fast approvals with instant funds to your mobile
Zero transaction fees and transparent APR up to 24%
Marketing copy could more clearly present rate/fee breakdown beyond APR
Localization in examples shows multiple currencies which could confuse some users
Limited mention of broader banking or account-based features beyond loans
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 13 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 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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Very reliable app, i requested for k500 and in few minutes I received the funds. Thank you
★★★★★Febby Banda· Aug 20, 2026
Very easy to access, just waiting for the money
★★★★☆Mulenga Tinah· Aug 30, 2026
The loan duration time is fair. I love it
★★★★☆Tsitsi Chidhaura· Sep 3, 2026
My 4th time applying and nothing came through.
★★☆☆☆Florence Aidoo· Aug 30, 2026
Easy to use waiting for the money to give more stars
★★☆☆☆Yande Mutambo· Aug 12, 2026
Seems very good and fast but no disbursement approval
★☆☆☆☆moses kumwenda· Sep 4, 2026
It's very fast am jst waiting for the money
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 uses standard Android permissions including network state, internet, foreground service, wake lock, vibration, boot completion, and ad-related identifiers. It emphasizes privacy by stating personal data is not shared without explicit permission and is used to verify identity and build a credit score. A contact email is provided for inquiries.
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.
