14 Best Platforms for Urgent Loan in Nigeria Without Documentation 2024

  • November 19, 2023

Due to desperation, an urgent loan in Nigeria without documentation is what comes to mind while searching for lending platforms, especially when you’re in need of money fast.

While loans can be acquired in many Nigerian banks, you’ll be required to provide some documents such as ID card, utility bill, and of course, collateral. However, with online loan apps and lending platforms, you can get loans in minutes without all that.

Nairarush has curated 14 of the best apps and platforms that give urgent loans in Nigeria without documentation. You don’t even need a bank statement to get your loan application approved.

If you want to know these apps, join me and let’s explore this post together!

List of Online Loans without Documentation in Nigeria 2023

Loan platforms in Nigeria where you can borrow money without documentation in 2023 include:

1. Fairmoney

Fairmoney is a very popular lending app in Nigeria that gives loans without documentation or collateral. You can just download the Fairmoney app, sign up, complete your personal details, and apply for a loan.

Within minutes, you’ll get the money credited into your fairmoney account. You can transfer the money into your bank account, or use it to pay online such as buying airtime, paying bills, and so on.

Fairmoney offers low-interest loans for a period ranging from 1 to 18 months.

See Also: Fairmoney Loan App Honest Review to Check Before Download

2. Carbon

Urgent loan in Nigeria without documentation

By just downloading the app, signing up, filling in your personal details, and confirming your phone number, you can get an urgent loan in Nigeria without documentation fast and easily on the carbon app.

Carbon offers users instant loans ranging from 1,500 to 1 million Naira for a period of up to six months without any disturbance whatsoever. Carbon loan repayment method is also flexible, which makes it very popular among Nigerians.

Read Also: List of Fake Loan Apps in Nigeria to Avoid Now

3. Branch

Branch is a reliable online finance app that helps users with day-to-day financial transactions such as money transfers, savings, investing, airtime purchases, bill payments, and of course, instant loans.

Using the Branch app, you can get an urgent loan in Nigeria without documentation. The platform offers a very interest rate and a flexible repayment method.

On the Branch online banking app, you can get a personal loan ranging from 2,000 to 500,000 in minutes. The app also offers an amazing loan tenure which usually ranges from 62 days to 1 year.

4. ALAT By Wema

If you’re looking for a reliable online loan without collateral in Nigeria, ALAT just got you covered. Launched by Wema, ALAT is Nigeria’s first fully digital bank designed to help you schedule transfers, save money, pay bills, and take collateral-free loans.

Using this app, you can get granted a loan by just registering, confirming your phone number and email, and then adding your personal details. ALAT offers amazing interest rates on personal loans, as well as long loan tenure.

5. Aella Credit

Aella is one of the most reliable and transparent urgent loan apps in Nigeria. This app offers Nigerians instant loans within just five minutes, and no collateral or documentation is needed.

All you need to get a loan from Aella is just to download the app from App Store or Play Store, create an account using your original details and apply for a loan. This app offers a reasonably huge loan amount with a relatively long tenure.

Aella Credit is one of the few apps for an online business loan without collateral in Nigeria.

Related: Top 15 Loan Apps for iPhone with Low Interest Rate in Nigeria

6. Renmoney

With over 500k downloads and lots of positive ratings, you can be assured to get an urgent loan in Nigeria without documentation.

Renmoney is another online banking app that offers a collateral-free loan ranging up to millions of Naira for a long tenure without frequent disturbance.

The Renmoney loan app is available for both Android and iPhone users. It offers a fair interest rate ranging from 2.4% – 9.33% for up to 24 months period.

Just like Branch, you can also use the Renmoney app to pay bills online, buy airtime, and lots more.

7. Umba

If not the best, Umba is undoubtedly one of the best urgent loan apps in Nigeria without documentation. It offers some of the best loan terms including no late fees policy, no rollover charges, and no origination fees.

By just linking your bank account to assess your credit score, you can get an instant loan worth up to 300,000 Naira with an interest rate of about 10% to 21% for a period ranging up to 62 days. Umba offers very flexible loan repayment methods, so you have nothing to worry about.

8. FlexiCash By Palmpay

online loans without collateral in Nigeria

Palmpay is another popular banking app that offers online loans without collateral in Nigeria. In general, palmpay lets its users send and receive money, pay bills, buy airtime, invest, and lots more.

Both Android and iPhone users can get loans on Palmpay through its lending service called the Palmpay Flexi Cash. This service offers a reasonable loan amount based on your credit score/record using users’ Palmpay details.

The better your credit score, the higher the loan amount you’ll be offered. Flexi Cash loans last from 15 to 30 days with an amazing interest rate.

Related: List of Loan Defaulters in Nigeria to Know

9. Irorun Loan App

Want a small online loan without collateral in Nigeria? Just download the Irorun App, sign up in seconds, apply for a loan, add the required personal details, and get the money disbursed in minutes. That’s simply how the Irorun Loan App works.

The Irorun lending platform loan terms are very flexible, and they offer a relatively long loan tenure of up to 180 days with a fair interest rate.

10. QuickCheck Loan App

With QuickCheck, there are no long queues, no long wait times, and no collateral, documentation or guarantor needed to get an urgent loan. With just your smartphone you can easily get access to quick cash loans credited straight into your bank account in minutes.

QuickCheck is a very popular loan app in Nigeria. It is also very reliable, as it has over a million downloads on the google play store with tons of positive reviews. On the app, you can get access to instant loans worth up to 1 million Naira.

It also offers flexible payment terms that let you pay gradually for up to 1 year period. When it comes to urgent loans without bank statements, salary slips, or income proof, QuickCheck is one of the best platforms to check out.

11. Lendigo

Without any collateral whatsoever, you can get easy access to a huge loan worth up to 10 million Naira on the Lendingo App.

This app offers loan seekers low-interest loans within minutes. Lendingo majorly focuses on business loans, so you can get anything from 100,000 to 10,000,000.

Although this lending platform requires some paperwork for the huge loan they offer, you don’t need a guarantor or collateral to get your loan application approved once you meet their requirements, and accept their loan terms.

12. NodCredit

NodCredit is another lending app that gives online loan without collateral in Nigeria. This platform offers mainly small loans to both employed and self-employed, business persons and corporates.

On NodCredit, you can get quick loans starting from N10,000 to N50,000 for first-time borrowers. Returning customers can access up to N300,000.

This loan app also offers a very low-interest rate ranging from 1 to 16 percent for a period of up to 6 months with flexible terms.

13. Borome

If you’re in need of an urgent loan in Nigeria without documentation, Borome offers instant loans ranging from 2,000 to 100,000 Naira. They have very flexible eligibility criteria for loans, and you can get it disbursed into your bank account within a few minutes after approval.

Borome loan interest rate is fair, and their repayment methods and terms are flexible. More so, they increase your loan limit if you comply with their terms.

14. Blocka Cash

Blocka Cash is one of the few new loan apps in Nigeria without documentation that offers small loans to people. This loan app is available both on App Store and Play Store.

That means you can get a loan from Blocka Cash on both Androids and iPhones. Once you’re 21 years of age and above you can easily download the app, apply for a loan and get it disbursed into your account in minutes.

The platform offers relatively loan interest rates on loans. You can get a loan of up to 50,000 Naira from Blocka Cash for a period of up to 6 months with flexible repayment methods.


While lots of Nigerians look for quick loans to sort important stuff ASAP, getting the best app or platform that gives urgent loan in Nigeria without documentation in 2023 would be a priority.

This post has provided you with some of the best ones to go with. Make sure you do more research on each app provided for you, so as to know if their terms and conditions are good for you.