30,000 Naira Loan in Nigeria: 7 Available Offers (2024)

  • November 19, 2023

30,000 Naira Loan in Nigeria: Are you in need of a quick 30K loan in Nigeria? Hurray, we’ve got some exclusive offers available for you with low-interest rates.

Lately, the easiest way to access loans without the need for collateral or a good credit score in Nigeria is through loan apps. However, due to a lack of trust, many Online lenders in Nigeria only offer small loans, usually less than ₦5,000, especially for first-time borrowers.

Thanks to a few loan apps like Fairmoney and others, borrowers can now get loans of 30K if lenders’ requirements are met. In this article, we will be taking a look at seven available urgent 30,000 loan offers in Nigeria.

So, if you’re among those seeking, “Where to get 30,000 Naira loan in Nigeria”, join me and let’s explore some available offers!

Top 7 Loan Apps That Give 30,000 Naira Loan in Nigeria 2023

1. Fairmoney

FairMoney is one of the most popular loan apps that give urgent 30,000 loans without documentation in Nigeria. This loan app provides loans of up to ₦500K without the requirement of collateral, and the repayment period can extend up to 6 months.

The Fairmoney loan app is reliable and has gained popularity with over 1 million downloads on the Google Play Store, offering loans at reasonable interest rates.

Furthermore, Fairmoney allows borrowers to extend their loans until they can repay them. The loan eligibility criteria are simple and easy to follow, as all you need is a valid bank account linked to your BVN and some personal information.

To apply for a loan, download the Fairmoney app, register, and fill in your financial and personal details. The loan application process is straightforward and hassle-free.

See Also: Best Loan Apps to Borrow Money in Nigeria

2. Irorun Loan App

If you’re in quick need of a quick loan of 30,000 Naira, Irorun loan app is worth checking out. This app specializes in providing small personal loans and offers a loan tenure of up to 30 days.

Irorun loan app has excellent customer support and is available for both Android and iPhone users on the Google Play Store and Apple App Store, respectively. While the app charges a processing fee for its loans, the interest rates are reasonable and the approval and disbursal processes are swift.

Related: Instant 50,000 Naira Loan without Collateral in Nigeria

3. Branch Loan App

30,000 naira loan

Another loan app on our list of apps that gives 30K loans without collateral in Nigeria is Branch. Branch offers loans of up to ₦500,000 with a flexible repayment period of up to 15 months.

Although there are not many loan features like loan extension and loan calculators like Fairmoney, Branch loans are collateral free.

The app has over 10 million downloads on the Google Play Store and offers loans at competitive interest rates. To qualify for a loan from Branch, you must be a Nigerian resident with a valid bank account, you must have a BVN, and also a valid bank account.

To apply for a loan, simply download the Branch app from Play Store or App Store, register, and fill in your personal and financial details.

See Also: Instant 20,000 Loan without Documentation in Nigeria

4. Okash

Another 30,000 Naira loan offer for students in Nigeria is the Okash loan. Okash is a loan app that offers personal loans ranging from ₦1,500 to 1 million Naira without any paperwork whatsoever.

Okash loan app has a fast loan approval and disbursal process, and the application process is pretty straightforward. Additionally, Okash loans offer low-interest rates and flexible repayment terms, making them a suitable option for individuals seeking quick loans.

Check Out: Get a Quick 100K Loan without Collateral in Nigeria

5. Carbon Loan App

Carbon is a popular loan app where you can access 30,000 Naira loan without documentation in Nigeria. This app lets borrowers access up to a million Naira worth of loans without collateral.

Carbon loans come with competitive interest rates, and it offers flexible repayment terms ranging up to 6 months. Just like other popular Nigerian loan apps, Carbon has over 1 million downloads on Play Store with good ratings, which means it is reliable.

With just a valid bank account, some personal details, and a BVN, you can be qualified for a Carbon loan. Also, no collateral or paperwork is needed to get your loan application approved on the Carbon loan app.

The app also offers other financial services, including savings, airtime purchases, bill payments, and more.

Read Also: Get 10 million Naira Loan Offers in Nigeria

6. PalmCredit

On our list of loan apps that offer 30,000 Naira loans in Nigeria, PalmCredit ranks seventh. This app provides loans of up to ₦100K with a repayment period of up to 180 days.

With over a million downloads on the Google Play Store, PalmCredit has been available for a considerable period of time, making it one of the most dependable options. However, the interest rate for PalmCredit loans may be too high for some borrowers, despite the ease of the application process.

To qualify for a loan on PalmCredit, you must be a Nigerian resident between the ages of 18 and 55, possess a valid bank account, and have a Bank Verification Number (BVN). To apply for a loan, simply download the PalmCredit app, complete the registration process, provide your personal and financial details, and await loan approval.

Related: Top 10 Quick Loan Apps for Students in Nigeria

7. Quick Checks

The last on our list of loan apps that give 30,000 Naira loan in Nigeria is QuickChecks. This loan app may sound new, however, you can access instant personal loans on this app within minutes.

No documentation is needed, and also you don’t need collateral to access loans on this app. Once you download the app, sign up, and apply for a loan, your application will be reviewed, and if approved, the money will be disbursed into your bank account in less than 5 minutes.

So, if you’re seeking loan apps that can borrow you 30K, those (above) are the popular loan apps that give 30,000 Naira in Nigeria. However, it is important you compare the apps before settling for one. Let’s discuss more on that.

Comparison of 30K Loan Apps

When comparing the loan apps listed above, it is essential to take into account the following factors:

  • Maximum loan amount: The highest loan amount that can be obtained from each app.
  • Interest rate: The rate at which loans are charged by each app.
  • Loan tenure: The period in which the loan must be repaid.
  • Eligibility requirements: The criteria that must be met to be eligible for a loan.
  • Application process: The simplicity of the application process.

It is important to thoroughly read and comprehend the terms and conditions, interest rates, and repayment schedules before applying for a loan through any of these apps. It should also be noted that failure to repay loans on time can result in additional fees, penalties, and negative impacts on one’s credit score.

Check Out: Top Loan Apps for iPhone in Nigeria


Loan apps are a great option for individuals in Nigeria looking to access 30K loans quickly and conveniently. However, many Nigerian loan apps offer low amounts.

With this post containing the ones that give 30,000 loan without documentation and above, I believe we’ve given the perfect answer to the question “how to get an urgent 30K loan in Nigeria”.