This research investigates the impact of financial development and financial inclusion on income inequality in low-income African countries over a 24-year period (2000-2023). The study focuses on 19 low-income countries as classified by the World Bank. income inequality remains a significant barrier to economic development in west Africa due to low access of financial serivicees caused by culutural and regional diversity, lack of infrastructure and lack of studies to enhance the long term effect of financial inclusuion initiatives on income inequality, Methodologically, an ex-post facto design is utilized, analyzing historical data sourced from reputable databases such as the International Monetary Fund and World Bank. Employing a quantitative analysis with panel data techniques, the Hausman test identified the fixed effects model as the most appropriate. The findings from the result of fixed effect model reveal a significant negative relationship between financial development and income inequality. Financial inclusion also demonstrates a positive effect by integrating marginalized populations into formal economic activities; this indicates that enhanced financial inclusion can reduce income disparities. The study recommends among others that governments of low-income countries through policymakers should prioritize strengthening the financial sector by improving the availability and accessibility of credit to underserved populations. This includes expanding domestic credit facilities and developing microfinance programs tailored to low-income households and small businesses.