Quick online loan apps: Top 7 apps for instant cash

Looking for the list of reputable and secured quick online loan apps found on Google Play Store for your Android phones and on Apple Store for your iOS devices, which are dafe for your download, look no further. QUICK LOAN ARENA brings you the top 7.

Are you in need of instant cash or quick loan to meet emergency needs or financial obligations and you cannot wait for payday or month end for your salary, or you are running a business and you need to shore up your working capital? Any of this list of top 7 specially selected loan apps could meet your need.

Let us go on the ride. The list include:

1. Carbon
2. QuickCredit
3. Alat by Wema
4. Access More
5. QuickCheck
6. Urgent10k.

 1. Carbon

Carbon Quick online loan app gives up to N1m unsecured

Carbon, formerly known as Paylater, is one of Nigeria’s leading digital quick loan platforms that gives instant loans to its users. With over 40 employees, they have a presence in Nigeria, South Africa, United Kingdom, Ghana and Portugal.

Quick loan from Carbon do not require collateral or guarantors. At your first try, you may not be able to access big funds, you start by borrowing small, and paying back as at when due, then you can have access to bigger funds.
The loan platform is available 24/7. You can apply on weekends and holidays and get a quick loan.

How To Apply for a Quick Loan from Carbon

You need to download and use the Carbon app. (SEE BELOW FOR DOWNLOAD LINK.)

You will be required to provide your basic details such as name, phone numbers and more.

A photo of you which you may have to snap real time with your phone via the app

Bank Verification Number (BVN)

Bank account details

Your ATM card that will be used to pay back loan. You will also submit major details of the card. You will be billed an initial N50 or N100 to authenticate the card.

Download the app
The first step towards getting a loan is to download the app from Google play store or Apple App store. The app is for android and iOS devices.

To download the app on Google Play Store CLICK HERE.

To download the app on Apple Store for iOS devices, CLICK HERE.

To get more information about Carbon quick online loan app CLICK HERE.

2. QuickCredit

QuickCredit quick online loan app gives up to N100,000 with no paperwork

QuickCredit is a simple, technologically deployed lending quick online loan app. The platform provides micro loans for short- terms duration to help meet and cover unexpected emergency expenses and urgent cash needs.

With QuickCredit, getting loans is a simplified process and you can apply for up to ₦100,000 with loan tenors of up to 90days and have your money sent straight to your bank account in minutes.

Quick Credit super-fast loan solution comes with no paperwork and no delay to meet your urgent financial needs within 24 hours.

How To Apply For QuickCredit Loans

Create Account

Register through their website, our MoneyPal app or by chatting Zee on Whatsapp
man beside giant iphone x-series illustration

Apply for a loan

Fill out our brief application form with your information and we’ll review your application within Five (5) minutes.
man spraying cash on a giant credit card illustration

Receive funds

Once approved, funds are typically received within 5 minutes.

To register and apply for loan through their website CLICK HERE.

To download the app on Apple Store for iOS devices, CLICK HERE.

To get more information about Carbon quick online loan app CLICK HERE.

3. ALAT by Wema

ALAT By Wema Bank offers Quick Loan of up to N2,000,000 without Collateral

ALAT offers you easy access to quick loans without paperwork or collateral. Loans are available to all Alat customers via Alat App or the website.

As with everything else on ALAT, you can now apply for a quick loan without collateral or paperwork, no visitation to any physical location, and response time between acceptance of offer and loan disbursement is in minutes. You can now borrow as much as N2,000,000 (Two million naira) without collateral.

How to Apply for ALAT Quick Online Loan:

Login to ALAT or sign-up if you have not
From the menu items, click on ‘’Loans’’
Read through and understands the ALAT disclaimer

Upon successful credit evaluation and checks, a loan offer is presented with duration and applicable interest based on the user’s current risk score

Read through and accept the Terms & Conditions which will contain consent to having your account debited for repayment at loan due date and provide your debit card details to be debited.

Your account will be immediately credited.

To download the app on Google Play Store for android devices, CLICK HERE.

To download the app on Apple Store for iOS devices, CLICK HERE.

To get more information about ALAT by Wema quick online loan app CLICK HERE.

4. Access More:

Access More: Quick online loan app without collateral

The Access More App is owned by Access Bank Plc and it’s a banking and quick loan app that gives PayDay loans to its customers among other things. Only limitation is that the services are only available to account holders of the bank, therefore you need to open a new account to enjoy them.

The App is built to help the bank’s customers execute their financial transactions, payment solutions and enjoy a lifestyle experience. Prospect customers are welcome to become account holders by downloading the Access More App and onboarding themselves on the platform seamlessly.

The following unique features are available on the App:
Quick account opening
Investment services
PayDay Loan
Efficient bills payment

How to get the Access More App and Apply for Loan

Download and install the Access More App
Existing Access Mobile App users can login with the same username and password and transact with their existing PIN
Existing Diamond Mobile App users can login with the same username and password and transact with their existing PIN
For new users, simply open the downloaded App and register

To download the app on Google Play Store for android devices, CLICK HERE.

To download the app on Apple Store for iOS devices, CLICK HERE.

To get more information about Access More quick online loan app CLICK HERE.

5. QuickCheck

QuickCheck is an online loan app that uses machine learning to predict borrower’s behaviour and instantly evaluate loan applications. Its aim at offering digital financial services to help Nigerians get closer to their personal and business goals.

How To Apply For A Loan With QuickCheck Quick Online Loan

Create a Profile
Download the app for free,
Sign up for an account
and let us get to know you.

Apply for a Loan
Apply and we will instantly
run your credit score and let
machine learning decide
if you qualify.

Get Cash
If you qualify,
your cash will be disbursed
within minutes
to your bank account.

To download the app on Google Play Store for android devices, CLICK HERE.

To get more information about QuickCheck online loan CLICK HERE.

To visit their website CLICK HERE.

6. Urgent10k

Urgent10k: Unlock between N5,000 to N100,000 with this quick loan app

Urgent10k powered by UGT technologies Ltd is a lending app designed with the intention of making the lending process easy. The application grants you easy access to loans with just a few clicks.

The app is on Google Store and App Store for download and you can get started in just a few minutes and most importantly, it is completely free.

A lending decision is made from your credit score as a borrower. Your credit score is based on the information that you provide to the platform. The more genuine these information are, the higher your chances of getting a loan. The more you repay the higher the loan amount you are eligible for.

RATES AND REQUIREMENTS

To qualify for an Urgent10k loans, one must be above 21 years of age and must be employed with a steady income. Our interest rate ranges from 3% to 10% per month, making it a minimum Annual Percentage Rate (APR) of 36% and a maximum Annual Percentage Rate (APR) of 120%. Our product tenors range from a minimum of 2 months(i.e 60 days) to a maximum tenor of 6 months(i.e 180 days), depending on the product you’re eligible for.

How do I apply for a loan on Urgent10k?
Applying for a loan is a very simple process on Urgent10k. Once you are logged into App, navigate to the Loan section and fill in your personal and employment details for a loan request. You can borrow from as little as N5,000 to N100,000.

To download the app on Google Play Store for android devices, CLICK HERE.

To download the app on Apple Store for iOS devices, CLICK HERE.

To get more information about Urgent10 online loan CLICK HERE.

To visit their website CLICK HERE.

7. FairMoney

FairMoney Loan App Gives up to N1,000,000 but interest is High

FairMoney is a quick online loan app that lends money in the of range ₦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 characteristics
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

An example of a FairMoney loan
Borrow ₦100,000 over 3 months
Interest (total cost of the loan): ₦30,000 (30% rate)
Three monthly repayments: ₦43,333
Total amount payable: ₦130,000
Representative: 120% APR

With the FairMoney app, you can:
– Get an account number and use it to receive money from anyone in Nigeria
– Add money to your account
– Send money to any bank account for FREE
– Apply for loan and receive it instantly
– Pay your bills

To download the app on Google Play Store for android devices, CLICK HERE.

To get more information about FairMoney online loan CLICK HERE.

To visit their website CLICK HERE.

BECOME QUICK LOAN ARENA BUSINESS PARTNER

Register to become our business partner and enjoy our free advisory and consultancy services on getting a quick loan from our list of accredited lending partners and also guide on the process of loan application.

Disclaimer: Quick Loan Arena is not a loan agency and we do not give out loan to anybody. We however profile and review legitimate and reputable loan agencies and seeks to educate individuals, household and small businesses about loan opportunities to help them make informed decisions and establish their businesses.

Speak with any of our Quick Loan Consultants for more information! Call or Whatsapp +234 (0)803 385 7245.

Do remember to give us a feedback about your quick loan experience after the lending process is executed.

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