Top Loan Apps in Nigeria to get a Loan Fast without Guarantor 2022/2023 [Guaranteed]

Top loan apps in Nigeria

As a business man or woman, there must be a time things might get a little bit tough and you may need money to settle something urgently. It might be money to boost your business or to meet personal needs.

Few years back, it was almost impossible for an  individual to get an emergency loan in Nigeria. But these days there alot of loan apps in Nigeria that can give you a loan without collateral.

All you need to do is to download any of the loan app in your smart phone and you can get a loan within an hour without collateral or paperwork.

How does loan apps work?

This is how loan apps work: Firstly, you need to download and install the app in your phone. Open the app and fill in your correct details such as bank verification number (BVN), phone number, full name, address, account number, state etc... They will calculate your credit score and offered you a loan. And once you agreed to their terms and conditions, the loan would be credited into your bank account you provided during the registration process.

Note: you must pay back your loan by due date to avoid embarassement.

Most of these Nigeria loan apps do not require collateral to offer you a loan. So you don't need to worry yourself about that.

Loan apps are very useful expecially when you need money urgently. If you need emergency loan, all you need to do is to download and install any loan app and apply for a loan. Most of these loan apps work 24 hours.

You may need money to pay your school fees, house rents, for travel, children school fees, for wedding or naming ceremony, business. Loan apps will surely help you in times like this. So it's very advisable to have any one of them installed on your phone. Because you never know when you may need money urgently. There are plenty of loan apps a available for iPhone, Android, blackberry and window phones.

What are the advantage of using loan apps?

There are many advantages why you should choose loan apps over regular money lenders
1.  They give you loan without collateral or guarantor
2. Most loan apps work 24 hours
3. They do not require paperwork
4. Flexible repayment option

Top loan apps in Nigeria to get a quick loan 2022

Below are top loan apps in Nigeria that give loan without collateral or guarantor.

1. Carbon formerly known as Paylater

Carbon loan app

Carbon formerly known as Paylater is one of the best loan apps in Nigeria to get a quick loan without collateral or paperwork. The app is easy to use and you can get a loan within a short period of time. You can get loan up to one million naira from Carbon.

Yes, Carborn (Paylater) doesn't require collateral or guarantor. All you need to do is download and install the Carbon loan app on your phone. Sign up with your correct details such as bank verification number (BVN), your full name, address etc... And then apply for a loan. The Carbon loan app is very fast, you may  get a loan offer in a short period of time.

For iPhone and Android users, you can the Carbon (Paylater) loan app from Apple store or Google Playstore. 

2.  Fairmoney

Fairmoney loan app

With this loan app, you can get up two hundred and fifty thousand naira (N250,0000) without much delay. Just like Carbon, Fairmoney is also fast and easy to use. Fairmoney is one of the top loan apps in Nigeria.

To borrow money from Fairmoney, all you need to do is download and install the app on your phone. Then you can proceed to register with either your Facebook account or phone number.

Yes, it's as simple as that.

After you get an offer, the next thing is to accept it and the money will be transferred to your bank account immidiately.

The Fairmoney app isn't available for iPhone and Window phone users. But for Android phone users, you can download the app from Google Paystore 

3. Palmcredit

Palmcredit loan app

Undoubtedly, Palmcredit is also one of the best loan apps in Nigeria. Which Palmcredit, you can get up to three hundred thousand naira (N300,000) loan without paperwork or collateral. All you need is your phone and data connection.

To start, downwload and install the app on your phone from Google Playstore. Create an account by clicking on the sign up button. After registration, apply for a loan and your loan would be credited to your bank account in few minutes. Yes it's that easy.

The Palmcredit loan term is from one month to 6 months. And the interest rate start from 15 percent to 30 percent.

The Palmcredit loan app has been featured on top websites like Forbes, Bloomberg and other popular websites.

4. Branch

Branch loan app

You can get up three hundred thousand naira (N300,000) loan from Branch loan app. The Branch app is very popular among Nigerians. The app is also easy to use and their loan applications are approved within some minutes.

To get loan from Branch. All you have to do is download and install the Branch app on your phone from Google Playstore. Then create an account and and get your loan.

You don't need a guarantor or collateral to get your loan from Branch app. All you need is your phone and data connection.

You can download the Branch app from Playstore here

5. Aella Credit

Aella Credit loan app

Aella Credit is another loan app that gives loan up four hundred and fifty thousand naira (N450,000) without paperwork or collateral. The app is easy to use and quite popular among Nigerians.
To get a loan from Aella Credit, just downwload  and install the app on your phone from Google playstore.  Then create an account. Fill in your correct details and receive a loan without any delay.

Click here to download the Aella Credit loan app from Google Playstore.

6.Quickcheck 

Quickcheck loan app

Quickcheck loan app is one of the popular loan apps in Nigeria that gives loan to individuals without collateral. Quickcheck gives up to five hundred thousand naira (N500,000) instant loan without hidden charges.

To get loan from Quickcheck app, install the app on your phone from Google Playstore.

Give the app permission to access your data in order to give you a loan. Then you can apply for loan and once your loan is approved the money will be credited into your bank account.

7.  Sokoloan

Sokoloan app
Sokoloan was launched early 2019. Currently, sokoloan is one of fast rising loan apps in Nigeria. With this app you can apply for a loan anytime and anywhere in Nigeria.
Just download the app, install it and register with your correct details. Accept their terms and conditions, apply for a loan and you get your money in your account immidiately.

Click here to download the Sokoloan app from Google Playstore

8.Kiakia

Kiakia loan app

Kiakia is also a loan app and it's very popular among Nigerians. It was also launched early 2019.

You can get up two hundred and fifty thousand naira (N250,000) loan by just answering some questions.

Though, this app uses different methods to give loan to individuals. You will have to download the Kiakia web app and chat with Mr. Kiakia (bot) to get a loan.

The Kiakia app is available for Android, iOS and Window, and Blackberry phone users.


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