Top 11 Quick Loan Apps In Nigeria For Instant Cash June 2022 [DOWNLOAD NOW]
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Top 11 Quick Loan Apps In Nigeria For Instant Cash June 2022 [DOWNLOAD NOW]

We have compiled a list of the Top 11 Quick Loan Apps In Nigeria For Instant Cash. Individuals and organizations in Nigeria can use these loan applications to get fast cash offers.

Top 11 Quick Loan Apps In Nigeria For Instant Cash June 2022 [DOWNLOAD NOW], 15 Quick Cash Loan Apps In Nigeria

By blacklisting illegitimate and fraudulent apps, we’ve been cursing the darkness. It’s also important to light a candle and congratulate those digital lending apps that are succeeding without resorting to extortion or shaming their consumers and borrowers.

In Nigeria, there are a number of quick loan apps that can help you get cash right away.

In Nigeria, there are a number of quick loan apps that can help you get cash right away.

Financial obligations may have become overwhelmingly difficult to meet in this era of economic decline and business meltdown, especially as the year enters its second quarter. Without instant cash for emergencies when you need it, especially when payday is still far away, financial obligations may have become overwhelmingly difficult to meet. However, we now have a well-researched list of Nigeria’s top quick loan apps for instant cash access. These recommended lending platforms have a good reputation, yet they don’t make clients or borrowers feel threatened.


Top 11 Quick Loan Apps In Nigeria For Instant Cash

The 11 Best Quick Loan Apps in Nigeria for Quick Cash

We advise that in 2022, you make your request ONLY from one of the 11 top quick loan applications in Nigeria for instant cash, and that you avoid the many others that threaten and blackmail you even before your repayment is due.

1. Branch Quick loan app

2. Carbon Quick Loan App

3. Aella Credit Quick Loan App

4. Quick Credit Quick Loan App

5. FairMoney Quick Loan App

6. Page Financials Quick Loan App

7. Renmoney Quick Loan App

8. Umba Quick Loan App

9. Money in Minutes Quick Loan App

10. Migo Quick Loan App

11. C24 Capital Quick Loan App

1. Branch

Branch is the first app on our list of quick loan apps in Nigeria for instant cash that allows people in Nigeria to acquire a quick loan up to 500,000 in 2022, transfer money for free, and earn 20% annual investment returns.

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.

Branch’s digital loan procedure is tailored to the borrower’s needs and aimed to assist him or her in growing. As your credit with Branch improves, you’ll be able to borrow more money.

Branch, unlike other digital lending apps, does not need you to jump through hoops or complete documentation. Simply use the Branch app to apply, and you’ll be accepted in less than 24 hours.

According to the app, Branch does not levy late fees or rollover fees, nor does it place restrictions on how you spend your money, and their customer service team is available 24/7.


What is required to receive a quick loan from Branch app?

What are the requirements for obtaining a quick loan through the Branch app?

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

2. Carbon

Carbon, formerly known as Paylater, is the second app on our list of the best rapid loan applications in Nigeria.

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

The Carbon digital lending app 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.

Document requirements to access quick loan from Carbon

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

1. The Carbon app must be downloaded and installed.

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

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

4. Bank Verification Number (BVN)

5. Details of your bank account

6. Your ATM card, which you will use to repay the loan.

7. You will also provide the card’s major details. To authenticate the card, you will be charged an initial fee of N50 or N100.

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



3. Aella Credit

Aella Credit comes in third place on our list of the best instant loan apps in Nigeria. Borrowing quick loans and getting instant cash for yourself or your business should be simple 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.”

What is Aella Quick Loan App and how does it work?

How Aella Quick Loan App works

1. Aella is a digital lending 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.

You can download Aella app on Google Play Store by clicking here.

You can download Aella app on App Store by clicking here.

4. Quick Credit

Obtaining Quick Credit

Quick Credit is ranked number four on our list of the best instant loan apps in Nigeria. This lender attempts to provide convenient lending and speedy loan services to borrowers and mobile users.

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 Quick Credit

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 Quick Credit?

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.

You can download Quick Credit digital lending app on Google Play Store by clicking here.

To download the app on Apple Store for iOS devices, CLICK HERE.

5. FairMoney

For immediate cash, smooth lending procedures, and good customer support, FairMoney ranks fifth on our list of top quick loan 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 Quick Loans

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.

You can download the FairMoney digital lending app on Google Play Store by clicking here

To visit FairMoney website CLICK HERE.

6. Page Financials

Page Financials is ranked No. 6 on our list of the best immediate loan apps in Nigeria. 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.

To apply for a Page Financials quick loan, CLICK HERE

To Download and apply through PAGE FINANCIALS digital lending app ON GOOGLE PLAY STORE, CLICK HERE.

To Download and and apply through PAGE FINANCIALS APP ON APP STORE, CLICK HERE.

7. Renmoney

Renmoney’s digital platform is ranked number seven on our list of the best immediate loan apps in Nigeria. The rapid loan company is run by a group of technology and finance enthusiasts who are dedicated to ensuring that Nigerians have access to financial services.

Renmoney promises to be Nigeria’s most easy lending rapid loan company, giving exceptional service experiences, 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

How to Apply For Renmoney Quick Loan:

To Apply for their Renmoney Quick Loan, CLICK HERE

You can download the Renmoney digital lending app on Google Play Store by clicking here.

8. Umba

Umba is ranked 8th on our list of Nigerian quick lending applications for instant cash. 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.



1. Umba puts you in control of your finances. The Umba app lets you apply for credit on the go and it works 24/7.

2. No paperwork, collateral or office visits needed

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

4. No late charges or rollover fees

5. Get access to bigger loans, lower fees, and flexible payment terms as you repay

6. Loans are approved and disbursed quickly

7. Get access to credit to build the life you want — for your business, your home, your family, your life.

You can download the Umba digital lending app on Google Play Store by clicking here

9. Money In Minutes

Money In Minutes is coming 9th position on We rating of top quick loan apps in Nigeria for instant cash.

Managed by MIM Finance Company, this lending app is a UK-originated credit platform with presence across three (3) continents and Nigeria’s 1st Credit Membership that gives instant cash.

The organization code named MIM Finance Company has been enabling lives and businesses for over twenty (20) years now by its quick online loans and other related business support.

With over $10 Billion disbursed over the last two decades, Money In Minutes is in a position to help individuals and businesses to grow. According to the company: “Affordable and stress-free finance shouldn’t be for the privileged few but for ambitious and hardworking citizens that can demonstrate the ability to afford repayments.”

The platform has a robust and wide range of products to help you access affordable finance for various needs and purposes.

To apply for a Money In Minutes Loan, CLICK HERE

10. Migo

Migo (formerly kwikmoney) ranks the 10th position in our list of accredited and reputable quick loan apps in Nigeria for instant cash.

Migo is a cloud-based digital lender in Nigeria that enables you access to instant loan and if willing, to make purchases from merchants or withdraw cash without the need for a smartphone, point-of-sale hardware or plastic cards.

Among all the quick loan apps in Nigeria for instant cash, Migo is unique in striving to ensure your online loan request enters your account (or the account of the merchant you are paying) right after you complete your application session.


1. Migo loan amounts range from N500 to over N500,000. The loan agency usually start with a small loan and grow your loan offers over time as you borrow and repay consistently and build trust with the system.

2. You do not need any collateral or documentation to request your Migo loan.

3. No guarantors are required to get a Migo loan. Your loan offers will continue to grow at a steady pace as you borrow and repay early.

4. Physical visitation of Migo office or a bank not necessary

5. Their minimum loan amount is N10,000 and the upper limit for a new customer is N50,000 with no collateral or guarantor required.

6. Interest rates are determined by a number of factors, including your repayment history and the cost of lending.

7. Loan decisions are provided within 15 seconds and if approved, the applicant receives funds within 5 minutes.


You qualify for loans based on your personal information. The more information Migo can find on you, the easier it is to qualify. Your loan offers are based on your personal information and your loan repayment history. The more you pay your loans on time, the higher the amounts you can get.


Your personal information is used to determine your unique loan offers. The loan platform provides a range within your available credit limit from which you can select. Currently. You need Valid bank details, Payment card details, Android Phone and Complete application.

To get a loan, all you have to do is enter your phone number here.

Once you select the loan amount you want, you’ll be asked to give details of your bank account for the loan to be deposited. Finally, your debit card information will be registered to make repayment easier for you.

You can also get a Migo loan by dialing *561# for MTN, 9mobile, and Glo or *554*561# for Airtel. From the list, select “Request Loan” to see a list of your customized loan offers.

To apply for a Migo loan, CLICK HERE

11. C24 Capital Loan App

C24 Capital platform takes the 11th position on We leading quick loan apps in Nigeria for instant cash. The financial institution provides retail loans for consumers in need of quick financial solutions and is focused on delivering services that can be accessed online, from any internet-enabled device anywhere within Lagos.

The platform does not exist on Google Play Store or App Store and therefore application has to be completed on the company’s website.

Types of C24 Capital Loan Offer

  • Personal Loans


  • Business Loans


  • Quick Cash



Check Your Eligibility…Read through our loan requirement to see if you meet our eligibility criterion.

Personalize Your Offer…Select how much loan you want and how long you want to take it for.

Borrow & Repay…Once you are done with the application submit your application and you get your loan amount with your own terms within hours.


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

Reach them on WhatsApp 09090896919

Call Us On:

09090896919, 09090897471

Working Hours: 8:00AM – 5:00PM

Working Days: Monday – Friday

  • To apply for 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 website and read more, CLICK HERE.

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Ekemini Ekpo

Loan money apps is a platform/blog that seeks to inform and educate people on various day-to-day technological activities. Vist our Quora Space to learn more

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