loan apps in Nigeria

Estimated reading time: 11 minutes

Most often we get to that point where we need extra push to get a business moving, or just need that extra money to keep us afloat until that break through comes. At some of those times, getting such quick loans from friends aren’t all that what we may want to consider – At such instances, we loathe the ideas of walking into a bank.

Luckily, we have some apps and online platforms in Nigeria that would be willing to give out such cash breaks without so much of a collateral that would demand for your head.

Attached is a video that I recommend; it has most of the tips that you need to know before you go for any of these apps.

In no particular order, listed below is a list of some of the best loan apps in Nigeria that can help you with that fast loan without collateral. All you have to do to get a loan is to get a smartphone, some data/network access, download any of the listed apps anytime.

No Paperwork needed, No Guarantor. No Collateral; and it is 24/7 Available.

  1. Branch – https://branc.co
  2. Carbon – https://ng.getarbon.co
  3. Palmcredit – NEWEDGE (newedgefinance.com)
  4. Okash – Home (o-kash.com)
  5. Fairmoney – FairMoney Loan App
  6. Aella Credit – Quick and easy financial services (aellaapp.com)
  7. Blackcopper – Blackcopper

There, you have it, the list of the best loan apps in Nigeria.

They have something in common, which is the fact that they are all money lending apps. However, they are slightly different from each other in terms of interest rate, amount offered, speed of delivery, mode of payment and target market (individuals, businesses or both).

Almost everyone has had those moments when they needed a money lending app to settle a personal or business need – You needed a fast cash.

No one wants to go through that stress of filling papers upon papers and having to look for collaterals to get loans from banks. Not in this era of instant gratification.

Thanks to the recent boom in the Nigerian Fintech industry, there is a rise in the number of apps that borrow money in the country. That means individuals and business owners can now access quick loans for personal use and business development.

So, it’s good news for everyone as there are now several money lending apps that you can download and get a loan from within minutes.

No collateral. No paperwork. No stress. All from the comfort of your home. And very reasonable interest rate.

Table of contents

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Branch

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Arguably the most popular of the lot, Branch is an easy to use app to borrow money in Nigeria. Are you thinking of getting “money at the speed of life”? This is what Branch represents.

The loan app says they are committed to “building a new frontier of finance — where banks aren’t physical, paperwork is obsolete, and possibility is the end game.”

From application to loan dispensation, the entire process of getting a loan from Branch money lending app starts and ends on the Branch mobile app.

While Branch doesn’t require any form of collateral to process your application, they look out for the following:

  1. Your handset details
  2. Repayment history
  3. GPS data
  4. Contact lists
  5. SMS logs

The above are measures the loan app put in place to enable you to pay back loans taken. 

How to get a loan from Branch app

The process of getting a loan from Branch is relatively easy and straight to the point. 

  1. Download the Branch app from the Google play store
  2. Create your account by filling a form in less than 30 seconds and submit for a review
  3. Apply for the loan that would solve your need and which you can conveniently payback, and have it delivered to your bank account within minutes
  4. Payback your loan on time to unlock larger loan amounts in subsequent applications

Interest Rate: 15% – 34%

Loan amounts: ₦1,000 – ₦200,000

Loan terms: 4 – 40weeks

Target market: Individuals and businesses

Must Read: How to Start an Online Business

Carbon (Paylater)

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Formerly known as Paylater, Carbon is a digital banking app that also gives out loan to individuals and businesses. The app provides all sorts of exciting financial services, including savings, investment, payments and so on.

Hence, Carbon is more than an app for borrowing money; it is an app that offers “digital banking for all lifestyles”. However, for this post, let’s focus on its loan feature.

Insured by NDIC and certified by the Central Bank of Nigeria (CBN), Carbon loan does not require any form of collateral, neither would you have to fill any form. The entire process is online, and you will receive your loan within minutes.

How to get a loan from Carbon app

  1. Download the Carbon app from the iOS app store or Google Play store
  2. Register in few minutes by providing a few details about yourself
  3. Go ahead and apply for loans
  4. Your loan would be sent to your wallet on the app from where you can use it for different transactions. You can also send the money from your wallet to your bank account so you can withdraw it.
  5. Payback your loan on time to unlock higher amounts. Also, you stand a chance of getting 10 – 100% cashback when you pay back your loan on time.

Interest Rate: 1.75% – 30%

Loan amounts: ₦1,500 – ₦1,000,000

Loan terms: Up to 64 weeks

Target market: Individuals and businesses

Must Read: 7 Financial Tools for Small Business Owners

PalmCredit

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PalmCredit is another mobile app that gives Nigerians easy and convenient loan. Boasting of being “Nigeria No. 1 online loan…”, the money lending app offers flexible loans with reasonable interest rates.

As with most other loan apps, paying back your loan on time on PalmCredit helps you to update your credit score. The implication of that is you get higher offers when next you apply for a loan.

Some of its unique fixtures include offering up to 100k loan with a daily interest rate of 1.2%.

How to get a loan from PalmCredit

  1. Download the Palmcredit mobile app from your app store
  2. Register and set your account in minutes
  3. Apply for a loan
  4. Get approval within minutes
  5. The loan is disbursed to your bank account

Interest Rate: 14% – 24%

Loan amounts: ₦2,000 – ₦100,000

Loan terms: 14 – 180 days

Target market: Individuals

Okash

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A product of OPay, Okash is another loan app that offers loans to Nigerians. The app is committed to increasing access to loan facilities to the underserved section of the society.

You get loan decisions on Okash within seconds, and once your loan is approved, you’d receive funds within 5 minutes.

For your first loan application on Okash, you can’t get more than ₦10,000. The money will increase in subsequent applications, especially if you pay back your loan on time.

Okash loans are provided in partnership with Blue Ridge Microfinance bank; hence you can pay back your loan via direct transfer to Blue Ridge Microfinance bank account (Zenith Bank Account No:1130085518)

How to get loan from Okash

  1. Download and install the Okash app from your app store
  2. Register an account
  3. Select the product or loan amount you’d like to apply for
  4. Provide necessary information and submit your application
  5. You may get a call for verification after submitting your application. Ensure you provide the right information
  6. E-sign the loan agreement after approval
  7. After this, the approved loan will be dispensed to your registered bank account

Interest Rate: 23 – 35%

Loan amounts: ₦3,000 – ₦500,000

Loan terms: 7 days – 365 days

Target market: Individuals and businesses

Fairmoney

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Fairmoney is a money lending app for Nigerians where you can get a loan within 5 minutes. You know this is a big deal if you’ve had to wait for days to get a loan from your bank.

Fairmoney is not just a loan app, by the way. The app also provides some essential financial solutions such as airtime recharge and payment of bills.

The primary requirement for a Fairmoney loan is your BVN, and you can get as much as N500,000. And you can spread repayments in multiple instalments for ease and flexibility.

How to get a loan from Fairmoney

  1. Download the Fairmoney app from the Playstore
  2. Signup with your phone number and create your PIN
  3. Click apply on the home page
  4. Answer the few questions provided
  5. Get a loan offer
  6. Choose amount and tenor
  7. Accept the loan offer
  8. Provide bank details where you want your money sent and get it within minutes

Interest Rate: 10 – 30%

Loan amounts: ₦1,500 – ₦500,000

Loan terms: 61 – 180 days

Target market: Individuals and businesses

Aella Credit

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Aella Credit is a fintech app that provides such services as payments, investment, and loans. The app makes it “super easy for anyone to borrow, invest and make payments” without excuses.

The money lending app even offers affordable insurance services for its customers. Now, that’s something different compared to others in the list.

For Aella, the end goal is to provide financial inclusion for all, irrespective of social class or profession.

How to get a loan from Aella Credit

  1. Download the Aella app from your app store
  2. Create your account by filling out your details in less than a minute
  3. Answer some quick questions to update your profile
  4. Click the “check eligibility” button to see if you qualify for a loan and how much
  5. Apply for the loan, and it will be sent to your provided bank account within minutes
  6. Payback your loan on time 

Interest Rate: 4 – 20%

Loan amounts: ₦2,000 – ₦1,000,000

Loan terms: 1 – 3 months

Target market: Individuals and businesses

Blackcopper

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If you are thinking of an app where you can borrow money to grow your business, then checkout Blackcopper. The app is committed to keeping “the wheels turning for your business”. 

Aside from giving quick loans to individuals and businesses, Blackcopper also has investment opportunities for its users. Sign up to benefit from either of the two services the app offers.

How to get a loan from Blackcopper

  1. Download the Blackcopper mobile app from Apple store or Google Play store
  2. Register your account by providing the required information. Secure your account by verifying it via mail
  3. Access Quick loans for your business needs or access investment opportunities on the app

Interest Rate: As low as 3.74%

Loan amounts: ₦500,000

Loan terms: Up to 6 months

Target market: Individuals and Businesses

FAQ

What are the main eligibility conditions precedent to loan

1. You must bee between the ages of 22 – 59 years old2
2. Have a verifiable source of income
3. Live and/or work in cities where we operate
4. Have a savings or current bank account with any commercial bank

What are the required documentation to apply for a loan, using any of the loan apps?

You need your bank statement, a government issued ID card and utility bill (optional).

What is The Interest Rate on Branch Loan App?

Branch offers loans from ₦1,000 to ₦200,000. Loan terms range from 4 – 40 weeks. Interest ranges from 15% – 34% with an equivalent monthly interest of 3% – 21% and APR of 33% – 261%, depending on your loan option. 

Conclusion

Accessing loans for personal needs and business development is no longer so much of an issue. However, resist the urge to get a loan when you don’t need one or don’t have a clear plan to pay back.

Also, take your time to study these money lending apps’ terms and conditions before submitting your application for loans. Be sure you agree with these terms to prevent future regrets, especially in terms of the interest rate.

Do you know of other loan apps with amazing offers and excellent services? Share in the comments.

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Quick Summary

Prefer the short version? Here is a concise recap of the key ideas in this article.

While Branch doesn’t require any form of collateral to process your application, they look out for the following: Your handset detailsRepayment historyGPS dataContact listsSMS logs The above are measures the loan app put in place to enable you to pay back loans taken.  How to get a loan from Branch app The process of getting a loan from Branch is relatively easy and straight to the point.  Download the Branch app from the Google play storeCreate your account by filling a form in less than 30 seconds and submit for a reviewApply for the loan that would solve your need.

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