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Apply For Quick Loans ONLY From These Top 15 Lending Apps In Nigeria

Apply For Quick Loans ONLY From These Top 15 Lending Apps In Nigeria. Financial responsibilities have become exceedingly difficult to satisfy in this era of economic collapse and corporate meltdown without acquiring emergency funds when you need them, especially when payday is still far away. However, while deciding which lending applications to employ for your loan request, we now evaluate reputation.

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Today, We presents a list of the top 15 lending applications in Nigeria for instant cash for both people and businesses. Even if you are in default for a few days, you can rest assured that these platforms will not send defamatory or blackmailing communications to you, your family, or your contact list.

This is not to encourage default, but to encourage businesses and their consumers to have ethical lending relationships.

We urge that you only request a loan from one of the 15 reliable and highly recommended lending apps listed below, and that you avoid the many others that threaten and blackmail you even before your loan payback is due.

Top 15 Lending Apps In Nigeria For Quick Loans

The following is a list of the top 15 lending apps for instant cash in Nigeria, as compiled by We: Please note that this rating is subject to change at any time.

1. Branch

2. Carbon

3. Aella Credit

4. QuickCredit

5. Okash

6. FairMoney

7. Page Financials

8. Renmoney

9. Umba

10. Money in Minutes

11. QuickCheck

12. Migo

13. MoneyPal (Zedvance)

14. C24 Capital

15. Alat by Wema


1. Branch

Branch International is the first app on our list of financial lending apps that allows consumers in Nigeria and a few other countries to acquire a quick loan of up to 500,000 dollars, send money for free, and earn 20% annual returns on investments.

Branch has offices in Nairobi, Kenya; Lagos, Nigeria; Mumbai, India; and San Francisco, California; however, it only works in India, Kenya, Tanzania, and Nigeria at the time.

Branch does not currently offer customer service over the phone or in person. Customers are encouraged to send them messages via the app at any moment, and they guarantee to assist them in resolving any issues they may have.


Our lending process was created to meet your demands and assist business in growing. As your credit with Branch improves, you’ll be able to take out greater loans.

Get what you need while you’re on the road.

We don’t have you jump through hoops or fill out paperwork like other lenders. Simply use the Branch app to apply, and you’ll be accepted in less than 24 hours.

There are no hidden costs or surprises.

We don’t impose late fees or rollover costs, we don’t limit how you spend your money, and our customer service team is available 24 hours a day, 7 days a week.

What are the requirements for obtaining a Branch loan?

The application process is straightforward; all you need is your phone number or Facebook account, as well as your bank verification number (BVN) and bank account number. They’ll also want for access to your phone’s data in order to establish your credit score.

CLICK HERE to learn more about Branch loan information.

CLICK HERE to download the app from the Google Play Store and apply for a loan.

2. Carbon

Carbon, formerly Paylater, is the second app on our list of Nigeria’s top lending applications and digital quick loan platforms that provide customers with instant loans. They have offices in Nigeria, South Africa, the United Kingdom, Ghana, and Portugal, with over 40 people.

Carbon does not require collateral or guarantors for quick loans. You may not be able to access large sums of money on your first try; however, if you borrow little amounts and pay them back on time, you will be able to access larger sums.

The loan platform is available 24 hours a day, 7 days a week. You can apply for a loan on weekends and holidays and receive a speedy response.

Documents Needed

To get a speedy loan from Carbon, you’ll need to provide certain documents.

The Carbon app must be downloaded and used.

You will be required to enter basic information such as your name, phone numbers, and other pertinent information.

A photo of yourself that you may have to take using your phone in real time via the app

Number for Bank Verification (BVN)

Details of your bank account

Your ATM card, which you will use to repay the loan. You will also provide the card’s major details. To authenticate the card, you will be charged an initial fee of N50 or N100.

You may be requested for a government-issued ID, though this is not common.



CLICK HERE to learn more about Carbon.


3. Aella Credit

Aella Credit comes in third on our list of Nigeria’s top digital lending apps. Borrowing quick loans for yourself or your business shouldn’t be tough with this software. It shouldn’t be difficult to obtain a loan to invest, expand your production capacity, pay your expenses, or obtain more working capital for your company. All of this is available at the touch of a button with Aella.

“You deserve basic, uncomplicated things that truly function,” Aella says, adding that they make borrowing, investing, paying bills, and insuring one’s health “very simple.”

The Aella Loan Process

1. Aella is an app that you can download.

From the Google Play Store or the Apple App Store, get the Aella Credit app.

2. Make a user account.

Fill out your information in under a minute and submit for a speedy evaluation.

3. Make changes to your profile.

Fill in the blanks on your profile with responses to simple questions about yourself.

4. Examine Your Eligibility

To see the amount of money you are entitled to borrow in seconds, click the “Check Eligibility” button.

5. Request a loan

In 5 minutes or less, loans will be issued to your supplied account.

6. Money will be deposited into your bank account.

Loans can be repaid using the App or by transferring funds straight to your personal bank account. Improve your credit score to be eligible for larger loans.

Click here to download the Aella app from the Google Play Store.

Click here to download the Aella app from the App Store.

CLICK HERE to learn more about Aella Credit.

4. QuickCredit

Quick Credit is ranked number four on our list of the best lending apps for speedy loans in Nigeria, and it aims to provide borrowers and mobile users with easy lending and quick loan services.

Users can receive eligible loan products with few steps and minimum documents through an entirely online process. The loan money will be transferred to the applicant’s bank account as soon as it is approved.

Features of QuickCredit

1.Tenure ranges from 91 to 365 days.

2.Loan Amounts: ranging from NGN 1,500 to NGN 50,000.

3.There is a maximum Annual Percentage Rate (APR) of 36%.

4.Origination fee: varies between 1% and 9%.

Who is eligible to apply for QuickCredit?

1.18 years and up

2.Having a steady source of revenue


1.Go to the Google Play Store and download the Quick Credit App.

2.Use your phone number to create an account.

3.Fill in the blanks with basic information.

4.The final outcome of the loan application will be displayed in the APP after it has been submitted.

5.If the loan is granted, the funds will be deposited directly into your bank account.

Click here to download the Quick Credit app from the Google Play Store.

CLICK HERE to download the app for iOS devices from the Apple Store.

CLICK HERE to learn more about Quick Credit.


Okash comes in fifth place on our list of top digital lending applications in Nigeria that provide you simple access to finance at any time and from any location.

Blue Ridge Microfinance Bank Limited manages a convenient and speedy online loan platform for Nigerian mobile customers. OKash satisfies consumers’ financial needs entirely online, 24 hours a day, seven days a week. The loan amount is deposited to the applicant’s bank account when the application process is completed in a few steps with little documentation.

OKash’s Loan Products include:

The repayment period varies from 91 to 365 days.

Amount of loan: NGN 3,000 to NGN 500,000

Interest rates range from 0.1 percent to one percent.

On a daily basis, they determine their interest rate. Interest rates range from 36.5 percent to 360 percent per year.

One-time charges for origination fees range from NGN 1,229 to NGN 6,000.

What is the OKash App and how does it work?

1. Download and install the OKash APP from the Google Play Store.

2. Create a user account.

3. Choose the product for which you want to apply.

4. Fill out the application’s basic information, then submit it.

5. You may receive a call for verification after submitting your application. The final application result will be displayed in the APP, and you will be notified through SMS if your application is approved.

6. After the loan has been approved, you must e-sign the loan agreement.

7. The authorized loan amount will be deposited into your account shortly after the E-sign, and you will receive an SMS message.

Eligibility for QuickCredit

1. Nigerian citizen.

2. Between the ages of 20 and 55.

3. A monthly income source.


Email address for customer service: support@o-kash.com

(+234)08097755512,08097755514; Customer Service Hotline: (+234)08097755512,08097755514; Customer Service Hotline: (+234)0809

Japaul House, Plot 8 Dr. Nurudeen Olowopopo Way, Central Business District, Ikeja, Lagos, Nigeria, Room 301

Click here to download the Okash app from the Google Play Store.

CLICK HERE to learn more about the Okash app.


For rapid cash, smooth loan procedures, and good customer service, FairMoney ranks sixth on our list of leading digital platforms and lending apps in Nigeria.

Over 3 million people have used FairMoney for rapid online loans in the previous four years.

The loan amounts range from $1,500 to $1,000,000, with repayment durations ranging from 61 to 18 months and monthly interest rates ranging from 2.5 to 30%. (APRs from 30 percent to 260 percent )

Characteristics of FairMoney

Amounts ranging from $1,500 to $1,000,000 are available.

Periods of repayment range from 61 days to 18 months.

APR ranging from 30% to 260 percent every year

For early repayments, interest savings of up to 90% are available.

There are no hidden costs.

Click here to download the FairMoney app from the Google Play Store.

CLICK HERE to learn more about the FairMoney app.

CLICK HERE to go to the FairMoney website.

7. Page Financials

Page Financials is ranked No. 7 on our list of Nigeria’s top digital lenders. Whether you’re in desperate need of cash to pay bills, deal with an emergency, or seize an opportunity? Page Financials’ loan app and platform may be a viable option for you.

Do your bills appear to be piling up and payday seems so far away? Page Financials delivers a straightforward, secure, and quick loan program that will meet your needs. According to the organization, you can apply for a loan right now and receive funds in less than three hours.

The minimum loan amount is N100,000, with a maximum loan amount of N5, 000, 000 for new customers. Both are dependent on the borrower’s ability to repay, which is determined by verified income and other criteria.

A loan of $3,500,000 was taken out for a period of 12 months. Interest Rate: 2.99 percent per month There are no further charges.

3–12 months is the minimum and maximum loan term.

CLICK HERE to apply for a Page Financials fast loan.

CLICK HERE to get the PAGE FINANCIALS APP from the Google Play Store and apply.


CLICK HERE to learn more about Page Financials.


Renmoney is the eighth most popular loan app on our list, and it is run by a group of technology and finance enthusiasts who are dedicated to make financial inclusion a reality in Nigeria.

Renmoney promises to be Nigeria’s most convenient lending rapid loan company, providing exceptional service, however it ranks eighth on our ranking.

You can apply for a convenient loan with Renmoney to address demands such as expanding your small business, upgrading your home, purchasing a new automobile, paying rent, school fees, and medical expenditures, among others.

How Does Renmoney Work?


Choose your loan amount and term, then tell us a little about yourself.


Double-check the information you’ve given.

Obtain a loan

If your loan is accepted, sign your documentation and receive funds in your bank account within 24 hours.

An illustration of this is:

A loan of $2,000,000 was taken out for a period of 12 months. Interest Rate: 2.9 percent per month The total amount due is $2,683,430. No further fees. APR: 34.17 percent

Renmoney Quick Loan Application

CLICK HERE to apply for a Renmoney Quick Loan.

Click here to get the Renmoney app from the Google Play Store.

CLICK HERE to learn more about Renmoney.


On our list of Nigerian quick loan lending applications, Umba is ranked 9th. It’s available on both the Google Play Store and the Apple Store, and it bills itself as Africa’s leading digital bank. Users can apply for loans, take them out, and repay them all from their smartphone or desktop computer.

It makes lending decisions based on an assigned risk rating after an individual has been verified.

What do people do with Umba? There are a lot of things, for example:

Obtaining a Mobile Cash Loan

In a matter of seconds, you can apply for a mobile money loan. Mobile money will be sent to your M-Pesa account.


Make a user account.

In a matter of seconds, apply

Obtain an Umba Loan

When you repay a loan on time, your loan limit is increased.



Umba allows you to take charge of your finances. The Umba app allows you to apply for credit on the move and is available 24 hours a day, 7 days a week.

There is no need for documentation, collateral, or office visits.

You can send money directly from your Umba loan to your M-Pesa account, merchants, or utility providers.

There are no late fines or rollover fees.

As you repay your loans, you’ll have access to larger loans, cheaper costs, and more flexible payment options.

Loans are rapidly authorized and disbursed.

Get credit to help you create the life you want for your business, your home, your family, and yourself.


Umba makes securing a personal loan simple by verifying your identification and calculating your credit score using data from your phone, including your SMS history. To protect your privacy, we encrypt the information you choose to share with us. We respect your privacy and pledge to never disclose your personal information with other parties.

Click here to download the Umba app from the Google Play Store.

CLICK HERE to learn more about the UMBA loan app.

10. Money in Minutes

Money In Minutes is ranked 10th among the top loan apps in Nigeria by We, and it is operated by MIM Finance Company, a UK-based lending platform with presence on three continents and Nigeria’s first credit membership that provides immediate cash.

For over twenty (20) years, the organization code named MIM Finance Company has been allowing lives and enterprises through swift online loans and other relevant business help.

Money In Minutes has distributed over $10 billion in the last two decades and is in a position to assist individuals and businesses in growing. “Affordable and stress-free finance should not be reserved for the fortunate few, but for ambitious and hardworking citizens who can demonstrate their ability to repay,” the company says.

The platform offers a broad and diverse product portfolio to assist you in obtaining cheap financing for a variety of needs and objectives.


MIM offers short-term loans ranging from $25,000 to $2 million with interest rates ranging from 4% to 30%.

In a matter of minutes, you’ll have access to inexpensive financing.

There is something for everyone because to its versatility.

With its range of offerings, the platform is predicated on a solid credit profile.

Allows you to obtain quick and affordable financing to help you fund your business or meet a pressing demand.

CLICK HERE to apply for a Money In Minutes Loan.

CLICK HERE to learn more about the Money in Minutes loan app.


QuickCheck is ranked 11th on our list of the best digital lending apps, and it employs machine learning to predict consumer behavior and evaluate loan applications in real time.

The company intends to provide digital financial services to assist people in achieving their personal and business objectives.

How to Get QuickCheck Cash in a Matter of Minutes

Create or open an account.

For a limited time, you may get the app for free.

Create a user account.

If you qualify, your money will be sent to you in minutes.

to your checking account

How do I submit my application for QuickCheck Loan?

When you apply, your credit score will be promptly assessed, and machine learning will determine if you qualify.

On your Android device, all applications must be completed. You can start your application by going to the Google Playstore and installing the QuickCheck app. Sign in with your Facebook email address and password after downloading the app, and correctly fill out the blanks required.

Is it possible to apply for a QuickCheck loan using my computer or other devices?

For the time being, the QuickCheck app is only accessible on Android smartphones. We will, however, tell the public if and when we debut on other operating systems.

CLICK HERE to apply for a QuickCheck loan in the Google Play Store.

CLICK HERE to go to the Quick Check webpage.

CLICK HERE to learn more about the QuickCheck lending app.

12. MIGO

In our list of recognized and reputable rapid lending platforms in Nigeria for instant, Migo (previously kwikmoney) is ranked 12th. Migo is a Nigerian cloud-based digital lender that allows you to get an immediate loan and, if you like, make purchases or withdraw cash from merchants without the use of a smartphone, point-of-sale hardware, or physical cards.

Migo works hard to ensure that your online loan request is immediately deposited into your account (or the account of the merchant you’re paying) once you’ve completed the application process.


Migo offers loans ranging from N500 to N500,000. The loan agency will normally begin with a small loan and gradually increase your loan offers as you borrow and repay on a consistent basis and gain trust in the system.

To apply for a Migo loan, you don’t need any collateral or proof.

A Migo loan does not require guarantors. As you borrow and repay early, your loan offers will continue to grow at a steady rate.

It is not essential to visit a Migo office or a bank in person.

The minimum loan amount is N10,000, and the maximum loan amount for a new customer is N50,000. There is no need for collateral or a guarantor.

A variety of factors influence interest rates, including your repayment history and the cost of borrowing.

Within 15 seconds, a loan decision is made, and if accepted, the applicant obtains funds within 5 minutes.


Your interest rates, as well as the amount of your loan, are determined by your personal information and repayment history. With a good payback history, interest rates may drop while loan amounts rise, and vice versa.

The interest rate on a loan might range from 5% to 25%. The rate you’ll be charged is determined on your repayment history and the length of the loan. Interest rates aren’t set in stone, and you can save money by paying off your debts early. When you refer friends to take out a loan and return it, you can obtain lower interest rates.

Depending on your credit history, you may only be eligible for a limited loan offer as a new borrower.

Paying back your loan on or before the due date is the best approach to improve your loan offers. Your offers on Migo are a reflection of your borrowing habits. The more early repayments you make, the better your future offers will be. It’s also preferable to prolong your loan in order to keep your offers than to miss a payment deadline.

Every time you submit a request, no matter how modest, the platform strives to make you an offer. However, you may not be able to acquire an offer if it is unable to determine your personal details.

In order to receive a Migo fast loan in Nigeria, no documents or papers are required. You’ll need an Android phone, your banking information, including your BVN, and a completed online application form.


Based on your personal details, you are eligible for loans. The more data Migo has on you, the easier it is for you to qualify. Your loan proposals are based on your personal information as well as your history of loan repayment. The bigger the sums you can obtain if you pay your debts on time, the better.


Your personal information is used to create custom loan offers for you. You can choose from a choice of options within your allocated credit limit on the lending platform. Currently. Valid bank account information, payment card information, an Android phone, and a fully completed application are all required.

To apply for a loan, simply input your phone number below.

After you’ve decided on a loan amount, you’ll be asked to provide information about your bank account where the loan will be deposited. Finally, your debit card information will be saved so that you may make payments more easily.

Dial *561# for MTN, 9mobile, and Glo, or *554*561# for Airtel, to acquire a Migo loan. Select “Request Loan” from the drop-down menu to see a selection of your personalized loan offers.

CLICK HERE to apply for a Migo loan.

CLICK HERE for additional details about the Migo loan.

13. MoneyPal (Zedvance)

is an online payment service (ZEDVANCE).

MoneyPal, which is owned and managed by Zedvance Limited, is ranked 13th on our list of Nigeria’s top digital lending apps for instant cash.

Zedvance Limited is a consumer financing company that provides loan packages to meet all of your financial demands, no matter how complex they may be. According to the company, an eligible individual or small business can get a quick loan of up to N5 million in as little as 5 hours.

You can get a no-collateral Zedvance loan of up to N5 million with the MoneyPal app, and there are no hidden fees.

Customers can take out loans for up to 24 months at a 34.8 percent to 365 percent annual percentage rate (APR).

For example, if a consumer borrows NGN100,000 for six months, we will charge 2.9 percent each month at a 34.8 percent annual percentage rate. A processing fee of NGN1,900 (1.9 percent of the requested amount) will be charged, along with six monthly repayments of NGN 19,566.67. The total amount repaid is NGN 119,300.02.

Simply follow these steps to get started:

1. Install the app.

2. Select “Create Account” from the drop-down menu.

3. Please provide all pertinent information (please register with the phone number linked to your BVN).

4. Fill out an application for the loan amount you want.

How to apply for a MoneyPal loan

To apply for a MoneyPal loan, go to the Google Play Store and download the app.

CLICK HERE to go to the MoneyPal (Zedvance) website and apply.

CLICK HERE to learn more about the MoneyPal (Zedvance) loan platform.

14. C24 Capital

The C24 Capital platform is ranked 14th on Nigeria’s biggest digital lending platform, We. The financial organization focuses on providing services that can be accessible online, from any internet-enabled device anywhere in Lagos, for consumers in need of quick financial solutions.

Because the platform is not available on Google Play or Apple App Store, the application must be completed on the company’s website.

C24 Capital Loan Offers Come in a Variety of Forms

Loans for Individuals


Loans for Small Businesses


Quick Money



Check Your Eligibility…Look over our loan requirements to see whether you meet our requirements.

Personalize Your Offer…Select the amount of loan you’d want and the length of time you’d like to take it out.

Borrow and Repay…Once you’ve completed your application, submit it, and you’ll receive your loan amount and terms within hours.


4 Adenubi Close, Ikeja, Lagos, off Majekodunmi Street, off Allen Avenue

You can contact them via WhatsApp at 09090896919.

Please contact us at:

09090896919, 09090897471, 09090896919, 09090897471, 090908969

Hours of operation: 8:00 a.m. to 5:00 p.m.

Monday through Friday are working days.

CLICK HERE to apply for a personal or business loan with C24 Capital.

CLICK HERE to apply for QuickCash from C24 Capital as a Civil Servant.

CLICK HERE to visit C24 Capital’s website and learn more.

15. ALAT by WEMA

On the We ranking of leading lending applications for instant cash in Nigeria, ALAT by WEMA is ranked 15th and last. The platform makes it simple to get quick loans without the need for paperwork or collateral. All Alat customers can apply for a loan through the Alat App or the website.

You can now apply for a quick loan without collateral or paperwork, without having to visit a physical location, and the response time between acceptance of the offer and loan disbursement is in minutes, just like everything else on ALAT. You can now borrow up to N2,000,000 (two million naira) without putting up any security.

Why Should You Use ALAT for Quick Loans?

It’s simple to apply – there are no lengthy forms to complete.

After approval, getting the loan in your bank account takes only a few minutes.

There is no requirement for a security deposit.

Interest rates that are low

It is quite simple to repay the loan.

Larger loans mean cheaper interest rates on future borrowing.

What is the interest rate on an Alat loan?

The Alat loan is designed to assist, as evidenced by the interest rate.

Salary workers will be able to access a minimum of #50,000 and a maximum of $4,000,000 within hours, with repayment terms ranging from 3 to 24 months and a monthly interest rate of only 2% on a declining balance basis.

Repaying your loan

If the quick loan is still outstanding on the due date, you will receive a repayment notification, and your account will be instantly deducted.

A payback notice is sent to the customer.

You can also use the Bills Payment option on the menu to repay the immediate loan before the due date.

To apply for an ALAT Quick Online Loan, follow these steps:

Log in to ALAT or create an account if you haven’t already.

Select “Loans” from the menu options.

The ALAT disclaimer has been read and understood.

A loan offer is offered with a period and relevant interest based on the user’s existing risk score after successful credit evaluation and checks.

Read the Terms & Conditions and agree to have your account deducted for repayment on the loan due date, as well as give your debit card information to be charged.

Your account will be credited right away.

CLICK HERE to get the app from the Google Play Store for Android devices.

CLICK HERE to download the app for iOS devices from the Apple Store.

CLICK HERE to learn more about ALAT BY WEMA.

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1. NairaPlus

2. BorrowNow

3. LCredit

4. 9ja Cash (Owned by Soko Lending Company Ltd)

5. Cash Wallet

6. GGMoney

7. 9Credit

8. QCash

That has been Apply For Quick Loans ONLY From These Top 15 Lending Apps In Nigeria. If this article has been of help to you, why not share it with friends on social media through any of the sharing buttons below?

LMA Team. 

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