Top 12 Loan Apps In Nigeria Without ATM Card By Number Of Downloads 2022

Today we are going to be analyzing the top 12 Loan Apps In Nigeria Without ATM Card By Number Of Downloads in 2022

The prevailing economic downturn and business meltdown nationwide have made meeting financial obligations overwhelmingly difficult without getting instant cash lending for emergencies when you need them. This is especially true when payday is still far away. However we now bring Nigerians the top 12 loan apps without ATM Cards that can approve instant loan credit for them. These lending apps have the highest downloads and come with reputation.

Top 12 Loan Apps In Nigeria Without ATM Card  2022

Find below our list of the best 12 loan apps without ATM Card in Nigeria by number of downloads in 2022. Included after each review are the links to the apps on Google Play Store for direct application.

  1.  Branch 
  2.  Aella Credit
  3.  Quick Credit 
  4.  FairMoney 
  5.  Umba 
  6.  Renmoney 
  7. Fair Credit
  8.  GTB Quick Credit
  9.  Money in Minutes 
  10. Quick Check 
  11. Express Loans
  12. EasyNaira

1. Branch

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

Branch is the world’s leading digital lending app for personal and business finance and the first on our list of loan apps in Nigeria without ATM card. Branch app makes it easy for people in Nigeria to get quick loan up to ₦500,000 without ATM card, in addition helps to transfer money for free, and enjoy investment yields of 20% per annum.

Branch loan app doesn’t charge late fees or rollover fees, nor put restrictions on how you spend your money, and their customer support team is available 24/7, according to the app.

Loan requirements are simple – all you need to apply is your phone number or Facebook account, bank verification number (BVN) and bank account number. They will also request access to the data on your phone in order to build your credit score.

To apply for your instant loan from Branch, CLICK HERE.

2. Aella Credit

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

Aella Credit is a leading digital lender and one of the few loan apps in Nigeria without Atm Card in 2022. It gives credit without ATM card details submission. With this app, it shouldn’t be difficult to borrow quick loans and get instant cash for yourself or for your family needs or business. I

Loans can be repaid via the App or directly to your personalized bank account. Build your credit score to qualify for higher loans.

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

3. Quick Credit 

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

Quick Credit is a loan app hosted on google play and set up to provide Nigeria mobile users with convenient lending services between N1,500 toN50,000. You do not require an ATM CARD to apply for Quick Credit loan.

With simple steps and minimal documentation, users can get qualified loan products which is 100% online process. Once approved, the loan amount will be immediately transferred to the applicant’ s bank account.

You can apply for Quick Credit loan by clicking here.

4. FairMoney 

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

FairMoney is a top digital lender and one of the few loan apps in Nigeria without ATM card that gives out credit to customers instantly once application is approved.

Loan amounts range between ₦1,500 to ₦1,000,000 with repayment periods from 61 days to 18 months at monthly interest rates that range from 2.5% to 30% (APRs from 30% to 260%)

  • Loan amount from ₦1,500 to ₦1,000,000
  • Repayment periods from 61 days to 18 months
  • APR from 30% to 260% per annum
  • Interest discounts of up to 90% for early repayments
  • No hidden fees

You can apply from FairMoney app on Google Play Store by clicking here

5. Umba 

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

Umba is yet one of the top loan apps in Nigeria without ATM Card in 2022. The platform allows users to apply, drawdown and repay loans directly from their smartphone or desktop computer without ATM Card. Once an individual is verified, the loan platform says it can make lending decisions which are based on an assigned risk rating.

To download the umba app on Google Play Store, CLICK HERE.

6. Renmoney

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

Renmoney is one of our list of top 12 loan apps in Nigeria without ATM CARD in 2022. The digital lender is managed by a group of technology and finance enthusiasts who are passionate about making financial inclusion count in Nigeria.

Renmoney digital platform claims to be Nigeria’s most convenient lending quick loan company – delivering outstanding service experiences to its customers. It does not harrass nor threaten its customers and its customer service support is excellent.

With Renmoney, you can apply for a convenient loan to meet needs like growing your small business, renovating your home, buying a new car, paying rent, school fees, medical bills, etc.

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

7. Fair Credit

Top 30 Best Instant Loan Apps In Nigeria By Reputation 2022
Top 12 Loan Apps In Nigeria Without ATM Card in 2022

Fair Credit is a top selection on our list of best loan apps in Nigeria without ATM Card and by reputation for 2022. Its loan amounts range between ₦1,500 to ₦1,000,000 with repayment periods from 95 days to 18 months at monthly interest rates that range from 2.5% to 30% (APRs from 28% to 32%)

It gives interest discounts of up to 90% for early repayments and claims there are no hidden fees

Now, the app is more than just a loan app. Fair Credit is owned by a Microfinance bank that is duly licensed by the Central Bank of Nigeria. As such, all your deposits are insured with the Nigeria Deposit Insurance Corporation (NDIC).

To Download FairCredit On GooglePlay Store, CLICK HERE.

8. GTB Quick Credit 

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

Gtbank Quick Credit is the digital lending platform of the bank where account holders can apply for loan and get an instant cash between N10,000 and N5million. It’s one of the numerous loan apps in Nigeria without ATM Card.

Whether you are a salary earner or self-employed, you can get the cash you need instantly, and pay back over 6 – 12 months courtesy of Quick Credit loan scheme. And you don’t need any guarantor or collateral neither do you need  to submit your ATM Card details

FEATURES OF GTBANK QUICK CREDIT

Up to N500,000 – 5 Million
Convenient repayment plan spread over 6 – 12 months.
At an interest rate of 1.5% per month

HOW TO APPLY FOR QUICK CREDIT
You can request for QuickCredit instantly by dialling *737*51*51#
QuickCredit is also available on all GTBank online and mobile banking platforms (Internet Banking, GTWorld and GTBank Mobile App)

ELIGIBILITY FOR QUICK CREDIT

Customer must maintain a minimum monthly lodgement of N20,000 or earn a minimum net monthly salary of N10,000
Customer must not have any history of dud cheques
Customer must have satisfactory credit reports
Customer must not have any unpaid obligations

To read more about GTB Quick Credit, CLICK HERE.

9. Money in Minutes 

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

Money In Minutes is one of our best loan apps in Nigeria without ATM card and the platform is managed by MIM Finance Company, a UK-originated lending 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.

MIM gives quick loans from ₦25,000 – ₦2m at interest rates between 4% to 30%

Quick access to cash loans is affordable finance in minutes.

To apply for a Money In Minutes Loan, CLICK HERE

10. QuickCheck 

Top 12 Loan Apps In Nigeria Without ATM Card
Top 12 Loan Apps In Nigeria Without ATM Card

QuickCheck is a quick loan app that uses machine learning to predict borrower’s behaviour and instantly evaluate loan applications. In addition, it is among the few loan apps in Nigeria without ATM card by reputation and by downloads. The company aims at offering digital financial services to help people get closer to their personal and business goals.

All applications MUST be completed on your android device . You can begin your application by downloading the QuickCheck app from the Google Playstore. After downloading the app, sign in with your facebook email address and password and fill the provided fields correctly.

The QuickCheck app is ONLY available on android devices for now. However, if and when we launch on other operating systems we will notify the public.

To apply online, download the app on Google Playstore by CLICKING HERE.

11. Express Loans

Top 30 Best Instant Loan Apps In Nigeria By Reputation 2022
Top 12 Loan Apps In Nigeria Without ATM Card By Reputation 2022

With Express Loans, it might only take a few minutes to apply and receive approval. The cash advance application process is quick and simple – upload National I.D and follow instructions to complete the procedure. Once the application is approved, money can be instantly transferred to the bank account. It’s one of those new loan apps in Nigeria without ATM Card of 2022.

So people don’t  need to have a bank account or a credit card, Express Loans makes instant loans possible for everyone. Powered by AI technology and cloud computing, Express Loans conducts sophisticated credit check and risk management while provides people a simple money lending user journey.

With Express Loans

  • No Hidden Fees
  • Interest Rate: 34.0% per annum.
  • Processing Fees: 4.9%. The fees will be deducted from the credits.
  • Loan period: we will require the repayment from 90 days to 180 days..

Get an instant loan in 5 simple steps:

● Download our Express Loans app for FREE now!
● Simple & fast advance loans application process. Apply money loans based on the amount you need.
● Provide basic information and bank details
● Submit an application for approval
● The approved amount will be credited into account within 3 working days

To Download Express Loans On GooglePlay Store, CLICK HERE. 

12. EasyNaira

Top 30 Best Instant Loan Apps In Nigeria By Reputation 2022
Top 12 Loan Apps In Nigeria Without ATM Card
EasyNaira is a digital loan platform for mobile users worth trying out, and one of our 12 loan apps in Nigeria without ATM card needed.
EasyNaira claims it can meet customers’ needs 24/7 and completely online. The application process takes just a few steps with minimal documentation and the approved loan amount will be immediately transferred to your applicant’s bank account.

Features include:

Loan period: the loan range is from 91 days to 365 days.
Loan amount: the loan amount is from NGN 30,000 to NGN 300,000.
Loan interest: the interest range is from 2.4% – 12% with an equivalent monthly interest of 0.4% – 2% and APR of 4.8% – 24%.

To Download EasyNaira On GooglePlay Store and apply, CLICK HERE

Frequently Asked Questions (FAQs) About Loan Apps In Nigeria Without ATM Cards

Which app gives loan without ATM?

The following are the apps that give loan without ATM in Nigeria:

  1.  Branch 
  2.  Aella Credit
  3.  Quick Credit 
  4.  FairMoney 
  5.  Umba 
  6.  Renmoney 
  7.  GTB Quick Credit 
  8.  Money in Minutes 
  9. Quick Check 

Can I get loan without debit card?

Yes you can. A debit card is not mandatory condition to obtain a loan. In fact many micro-lending companies and loan apps do not require a debit card or an ATM card for loan. Once you can show that you have the capacity for repayment, either by your credit history, your present salary or your analysis of your bank statement, many of the loan apps will oblige you a loan. All the loan apps stated above will give you credit without a debit card.

Which is the best app to get instant loan in Nigeria?

Below is a list of the best apps to get instant loan in Nigeria: Please note that this rating is subject to review from time to time.

1. Branch

2. Carbon

3. Aella Credit

4. QuickCredit

5. Money in Minutes

6. FairMoney

7. Page Financials

8. Renmoney

9. Umba

10. Okash

11. QuickCheck

12. Migo

13. Zedvance

14. C24 Capital

15. GTB Quick Credit

Do You Need Quick Or Emergency Cash From Reputable Loan Apps In Nigeria?

In need of an instant loan or an emergency cash loan? You can apply through any of the top loan apps in Nigeria and get funded under 3 hours, a few more hours or within 24 days.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans Guaranteed Approval Direct Lender, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

CLICK HERE to apply if you are an unemployed in US.

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About the Author: Taiwo Kehinde

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