I Need Instant Loan Without Collateral – In today’s financial world, digital loan apps serve a useful function. Read below to know more about 20 loan apps that offer instant loans online without collateral in Nigeria.
Moreover, you are naturally expected to bring insurance to the table when you need urgent capital, meet those urgent needs or put your business on a solid foundation. For borrowers, mortgages act as insurance if the borrower defaults on the loan.
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We have taken the time to create 20 popular loan apps that offer you instant loans without collateral.
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One of the most popular loan programs in Nigeria, Branch has designed its loan process to meet the needs of borrowers and help them grow. With a branch, as you build credit at the branch, you unlock higher loan amounts.
The loan disbursement process has also been simplified by removing paperwork. All borrowers have to do is download the app, register, apply for a loan and wait for approval.
Karbon provides instant loans to borrowers whenever they need them. It helps borrowers expand their small businesses or address personal emergencies with affordable, unsecured loans.
Through the app, borrowers can access up to one million naira without collateral, guarantors and tedious paperwork. It also offers repayment of interest on timely repayment.
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Fairmoney is a digital bank that provides instant loans to borrowers. With FairMoney, no collateral is required and borrowers can get loans up to ₦1 million. As an additional service, FairMoney offers a bank account with free transfers, a debit card for spending and more.
Aella credit is also on the list. This loan app offers instant loans to borrowers at any time whether their needs are personal or business.
Ella appreciates a quick and easy application process to access funding. Borrowers who apply through the app are guaranteed their funds in less than five minutes.
With the Aella loan app, no documentation is required and borrowers can access loans up to ₦1,000,000 without collateral. It ensures no overdraft or late fee thereby providing affordable loans to borrowers.
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In addition, Aella rewards borrowers for repaying their loans on time, with cash back from the interest paid each time.
Umba is a relatively new entrant to the Nigerian financial scene and does more than just lend. It also offers complete banking services. With an Umba account, borrowers can spend, pay bills, get loans and repay money from their phone. The app offers borrowers smart and affordable loans with low interest rates. It also makes repayment easier.
Lendigo is a financial technology company poised to become one of the leading financial institutions in Nigeria. Its services are dedicated to small and medium businesses with technology and innovative methods. Ledigo offers Nigerian SMEs easy and fast access to unsecured working capital tailored to their individual needs. Its loans are tailored to their business needs and financial needs.
The loan offers range from ₦1,000 to ₦50,000 with no long queues, no waiting time and no collateral or guarantors required.
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Borrowers can run the entire process from start to finish on their smartphone and disburse the loan to their bank accounts in less than five minutes.
All they need to do is download and install the iCredit Mobile Loan app from the Google Play Store or Apple Store, fill in the relevant information including your employment, social security number and BVN number, verify the information for you and then wait for approval. .
Once approved, funds are deposited into the borrower’s bank account. The entire process is said to take less than 10 minutes.
As a lending platform, Migo operates with a somewhat different model. Migo is a built-in lending platform that allows companies to provide credit to consumers and small businesses in their own applications.
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It works by building its own algorithms to assess credit risk using corporate data and then automate loan servicing through a cloud infrastructure.
Migo expands financial access by enabling marginalized populations ie. consumers with low income, credit through traditional credit systems.
Specta, a Sterling Bank product, is an online lending platform that lends up to five million in a single transaction in five minutes.
Specta offers loans without collateral, paperwork or any office visit. With Specta, borrowers can meet urgent personal and business needs anywhere, anytime.
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CoolBucks is an online lending platform that provides unsecured loans ie. loan without collateral, within minutes of completing your application.
Depending on your profile, the app says it can deliver apps anywhere from five minutes to 24 hours after they’re done.
Coolbucks offers small ticket loans from ₦15,000 to low-income earners and up to ₦5,000,000 to high-income earners.
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The app platform is integrated with multiple systems and uses technology to disburse loans within 30 minutes.
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Its loan application requirements include six months of bank statements in PDF format, utility bills, valid ID (driver’s license, international passport, national ID, etc.), work ID and employment letter except for bankers. ₦140,000 and above.
GT Bank’s QuickCredit offer is open to both employees and the self-employed. Its loan term can be up to 12 months. QuickCredit offers up to ₦5,000,000 at 1.5% interest monthly with no hidden fees. For wage earners, it provides loans up to three times the monthly salary.
QuickCredit can be accessed instantly by dialing *737*51*51#. It is also available on all GTBank online and mobile banking platforms, including Online Banking, GTWorld and the GTBank mobile app.
With Xcrosscash you don’t need insurance or property documents before getting a loan in the app. This allows you to increase your credit rating. This way, you can get a higher loan amount at a lower interest rate.
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To qualify for an Xcrosscash loan in Nigeria, you must be a citizen and resident of Nigeria and be between the ages of 20 and 55 years.
Xcrosscash requires certain information including your account number, the phone number through which you receive SMS confirmations as well as your Bank Verification Number (BVN).
The QuickCheck app provides cash to its customers while reducing the long lines, cumbersome paperwork, insurance requirements and traditional banks are known for.
QuickCheck, a product of Arve Nigeria Limited, uses machine learning to predict borrower behavior and quickly assess their loan applications.
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It aims to provide digital financial services to help borrowers get closer to their personal and business goals.
Fair Credit is a Nigerian microfinance program that provides collateral-free personal. Apart from loans, it also comes with other features that can be used to send and receive money from anyone in Nigeria, including an account number and a bill payment platform.
Loan amounts available range from ₦1,500 to ₦1,000,000 with repayment terms ranging from 95 days to 18 months.
This app promises a quick turnaround in the loan process as well as access to funds the same day after approval. It guarantees unsecured loan disbursements within three hours.
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Naira Loan is a personal loan platform that focuses on providing high quality loan services, responding quickly to user needs and improving loan reliability.
As the borrower’s credit score increases, the loan amount of each loan increases. You can apply for a loan completely online anytime and anywhere according to your financial needs.
Alaat, Wema Bank’s mobile app provides quick and instant unsecured loans to its users.
By downloading the mobile app on Android or IOS, borrowers can access instant loans of up to ₦2,000,000 without collateral.
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It also has payday loans that help wage earners with emergency cash to meet needs that can’t wait until the next payday or require additional funds.
Quickbucks is Access Bank’s instant loan application. The application is accessible to both customers and other customers of Access Bank.
With QuickBucks, both employed and unpaid borrowers can get instant loans at low interest rates without the need for documents or collateral.
You can also access the bank’s unsecured instant loan by calling *901*11#, *426*11# or through online banking, WhatsApp bank and Access Mobile App.
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With QuickBucks, no documentation is required, no insurance is required and it offers up to 36 months.
A product of the finance house, Zedvance, Moneypal offers fast funds that work for its customers. With Moneypal, borrowers can get unsecured loans of up to ₦5,000,000 in minutes with no hidden fees.
A popular lending platform, C24 Capital provides its customers with money on the go. All borrowers have to do is download the app and apply for a quick loan.
Sign up now for our newsletters to get the latest updates on loan offers, money tips and access your credit score ₦600 for free! Like everything else, you can now apply for a loan quickly and instantly without documents, any location without any visit, and the response time from the acceptance of the offer and the disbursement of the loan is within minutes.
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You can now borrow up to N2, 000, 000 (Two Million Naira) without collateral. The loan is structured to help you and them
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