It's not a good idea to engage in borrowing of money to sort out unavoidable household expenses but most times one has to engage in it if you have no option and have the opportunity. Again it's never an easy experience to beg a friend to borrow you money, many will turn you down that you may regret why voicing it out to him,/her in the first place.
There is this loan app that I used to loan money from and I noticed that for some time now, they have increased their interest rate that to loan N20,000 and pay in one month time will attract N24,000. That is interest of N4,000 which is 20% interest of the principal amount and N30,000 will attract around N6,000 or more.

Is this not on the high side and considering that these money are more often used to augment family upkeep. Please do you know of another loan giving company/app with lower interest rate?, I am fed up with the higher interest rate.

Learn to live within your means. When you borrow, you're spending your future income plus a fee.