Top 20 Best Emergency Cash Immediately Loans 2022

Today QUICK LOAN ARENA, the number 1 review website for instant digital lending platforms brings you a comprehensive list of the top 20 best emergency cash immediately loans for 2022.

Loan apps give quick cash and instant credit and are different from the traditional loans that are available with money deposit banks and other financial institutions in Nigeria which takes forever to process. The lending process for loan apps is quick, with no need of any collateral, documentation or guarantor.

10 Best Loan Apps Without ATM Card In Nigeria 2022

If any of the loan apps in Nigeria you are applying through finds you eligible, you will immediately get a transfer of the required funds into your bank account. You can repay the loan in comfortable terms that is already opted by you.

20 Best Emergency Cash Immediately Loans  

Below is our compehensive list of reputable and reliable 20 emergency cash immediately loans for quick cash loan.

  1. Branch Loan App
  2. Carbon Loan App
  3. Aella Credit Loan App
  4. QuickCredit Loan App
  5. Okash Loan App
  6. FairMoney Loan App
  7. Page Financials Loan App
  8. Renmoney Loan App
  9. Umba Loan App
  10. Money in Minutes Loan App
  11. QuickCheck Loan App
  12. Migo Loan App
  13. MoneyPal (Zedvance) Loan App
  14. C24 Capital Loan App
  15. Alat by Wema Loan App
  16. Lendigo Loan App
  17. CreditAll Loan App
  18. iMoney Loan App
  19. Gtworld Loan App
  20. EasyCredit Loan App

1. Branch

 Top 20 Loan Apps In Nigeria
Branch is our 1st pick in the list of Top 20 emergency cash immediately loans

Branch International is the first on our list of top 20 emergency cash immediately loans that make it easy for the citizens to get access to quick loan up to ₦500,000, to transfer money for free, and enjoy investment yields of 20% per annum.

At the moment, Branch do not provide customer support by phone number or in person. They request customers to send them a message via the app any time, and promises to help resolve whatever issue such people may have.

This platform don’t make you jump through hoops or fill out paperwork. Simply apply through the Branch app and get approved in under 24 hours. They do not charge late fees or rollover fees.

What Is Required To Receive A Branch Loan?

All you need is to apply with 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 read more about Branch loan details, CLICK HERE.

To download the app from Google Play Store and apply for loan, CLICK HERE.

2. Carbon

Top 20 Loan Apps In Nigeria
Carbon is our 2nd pick in our list of Top 20 emergency cash immediately loans

Carbon, formerly known as Paylater, is the second on our list of top 20 emergency cash immediately loans. This lending platform gives instant cash to borrowers once application has been approved to its users. Quick cash loan from Carbon do not require collateral, documents 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.



To read more about Carbon, CLICK HERE.

3. Aella Credit 

 Loan Apps In Nigeria
Aella is our 3rd pick in our list of Top 20 emergency cash immediately loans

Aella Credit is the third on our list of top reputable 20 emergency cash immediately loans. With this app, it shouldn’t be difficult to borrow quick cash credit either for yourself or for your business. It shouldn’t also be difficult to get loan to invest, increase productive capacity, pay bills, and get more working capital for your business. With Aella, all these are available at the snap of your fingers.

How Aella Loan works

  1. Download the Aella Credit app from Google Play Store or IOS App Store.
  2. Simply fill out your details in less than a minute and submit for a quick review.
  3. Update your profile by providing answers to quick questions about you.
  4. Click the “Check Eligibility” button to see the amount of loan you are eligible to borrow in seconds.
  5. Apply for loan
  6. Receive funds in your bank account in few minutes

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

You can download Aella app on App Store by clicking here.

To read more about Aella Credit, CLICK HERE.

4. Quick Credit

 Top 20 Loan Apps In Nigeria
Quick Credit is our 4th pick in our list of Top 20 emergency cash immediately loans

Quick Credit is no 4 on our list of top 20 emergency cash immediately loans. 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.

Product Features

1.Tenure: From 91 days to 365 days.
2.Loan Amount: From NGN.1,500 to NGN.50,000.
3.The maximum Annual Percentage Rate (APR) is 36%.
4.Origination fee: From 1% to 9%.

How to APPLY

1.Download Quick Credit App from google play store and install.
2.Register an account with your phone number.
3.Fill in basic information.
4.After the submission of the loan application, the final result will be shown in the APP.
5.If approved, the loan amount will be disbursed into the bank account directly.

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

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

To read more about Quick Credit, CLICK HERE.

5. OKash

Top Loan Apps In Nigeria
OKash is our 5th pick on the list of emergency cash immediately loans

Okash makes the fifth on our list of top 20 emergency cash immediately loans  that give you easy access credit anytime, anywhere.

It is a convenient quick online loan platform for Nigeria mobile users managed by Blue Ridge Microfinance Bank Limited. OKash fulfills customers’ financial needs completely online 24/7. The application process takes just a few steps with minimal documentation and the approved loan amount is transferred to the applicant’s bank account

Repayment ranges from 91 days to 365 days. Loan Amount: from NGN 3,000 to NGN 500,000. Interest Rate: With a minimum of 0.1% up to 1%. Interest rate is calculated on a daily basis. Annual interest rates from 36.5% to 360%.

Origination Fee: Range from NGN 1,229 – NGN 6,000 for a one-time charge

How the OKash App works?

1. Install the OKash APP from the Play Store.
2. Register an account.
3. Select the product you would like to apply for.
4. Fill out your basic information, then submit the application.
5. After the submission, you may receive a call for verification. The final application result will be shown in the APP and you will be informed by SMS if approved.
6. E-sign the loan agreement after the approval.
7. After the E-sign, the approved loan amount will be disbursed into your account shortly and a SMS notification will be sent.

You can download the Okash app on Google Play Store by clicking here

To read more about Okash app, CLICK HERE.

6. FairMoney

quick cash loan
FairMoney Loan App is one of our top emergency cash immediately loans

FairMoney takes the 6th position on our list of top 20 emergency cash immediately loans, seamless lending procedures and excellent customer service.

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%)

You can download the FairMoney app on Google Play Store by clicking here

To read more about FairMoney app, CLICK HERE.

To visit FairMoney website CLICK HERE.

7. Page Financials

Page Financials comes no 7 on our list of top 20 emergency cash immediately loans. Whether you have an urgent need for cash to settle bills, take care of emergencies or grab an opportunity? Page Financials lending platform can be your good alternative. You can apply for a loan now and get the funds in less than 3 hours, the company says.

Minimum loan amount is N100,000 and the upper limit for a new customer is N5, 000, 000. Both depend on borrower’s capacity to repay based on verifiable income level and other selection criteria.

Loan amount of ₦3,500,000 borrowed for 12 months. Monthly Interest Rate:- 2.99%. No other fees.

Minimum and maximum loan term: 3 – 12 months.

To apply for a Page Financials quick loan, CLICK HERE


To Download and and apply through PAGE FINANCIALS APP ON APP STORE, CLICK HERE.

To read more about Page Financials, CLICK HERE.

8. Renmoney

Renmoney is no 8 on our list of top 20 emergency cash immediately loans. It is managed by a group of technology and finance enthusiasts who are passionate about making financial inclusion count in Nigeria.

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.

Representative Example:

Loan amount of ₦2,000,000 borrowed for 12 months. Monthly Interest Rate: 2.9%. Total Amount Payable: ₦2,683,430. APR: 34.17% No other fees.

Apply For Renmoney Quick Loan:

To Apply for their Renmoney Quick Loan, CLICK HERE

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

To read more about Renmoney, CLICK HERE.

9. Umba

Umba comes 9th position on our list of top 20 emergency cash immediately loans. It’s hosted on both Google Play Store and Apple Store and prides itself as the leading digital bank in Africa. The app allows users to apply, drawdown and repay loans directly from their smartphone or desktop computer. Once an individual is verified, it makes lending decisions based on an assigned risk rating.

How To Apply For Umba Loan

Create your account
Apply in seconds
Receive an Umba Loan
Increase your loan limit every time you repay a loan on time

Umba app lets you apply for credit on the go and it works 24/7. No paperwork, collateral or office visits needed. No late charges or rollover fees. You can get access to bigger loans, lower fees, and flexible payment terms as you repay.

You can download the Umba app on Google Play Store by clicking here

To read more about UMBA loan app, CLICK HERE.

10. Money In Minutes

Money In Minutes, coming 10th position on our rating of top 20 emergency cash immediately loans, 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%

To apply for a Money In Minutes Loan, CLICK HERE

To read more about Money in Minutes loan app, CLICK HERE.

11. QuickCheck

QuickCheck comes 11th position on our assessment of top 20 emergency cash immediately loans, and it uses machine learning to predict borrower’s behaviour and instantly evaluate loan applications.

The company aims at offering digital financial services to help people get closer to their personal and business goals.

How To Get Cash in Minutes

Create a Profile
Download the app for free,
Sign up for an account

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

How Do I Apply?                                                                                                                                                                            Apply and your credit score will be instantly evaluated and let machine learning decide if you qualify.

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.

Can I Apply For A Loan on my Computer or other operating devices?

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 for QuickCheck loan on Google Play Store, CLICK HERE.

To Visit Quick Check website, CLICK HERE

To read more about QuickCheck loan app, CLICK HERE.

12. Migo

Migo (formerly kwikmoney)  ranks the 12th position in our list of top 20 emergency cash immediately loans. Migo is a cloud-based digital lender in Nigeria that enables you access to instant loan and if willing, to make purchases from merchants or withdraw cash without the need for a smartphone, point-of-sale hardware or plastic cards.

Migo strives to ensure your online loan request enters your account (or the account of the merchant you are paying) right after you complete your application session. Loan amounts range from N500 to over N500,000. The loan agency usually start with a small loan and grow your loan offers over time as you borrow and repay consistently and build trust with the system.

No need for collateral, guarantors or documents to request your Migo loan. Physical visitation of Migo office or a bank not necessary Their minimum loan amount is N10,000 and the upper limit for a new customer is N50,000 with no collateral or guarantor required. Interest rates are determined by a number of factors, including your repayment history and the cost of lending.

Loan decisions are provided within 15 seconds and if approved, the applicant receives funds within 5 minutes.

How To Apply For A Migo Loan

Your personal information is used to determine your unique loan offers. The loan platform provides a range within your available credit limit from which you can select. Currently. You need Valid bank details, Payment card details, Android Phone and Complete application.

To get a loan, all you have to do is enter your phone number here.

Once you select the loan amount you want, you’ll be asked to give details of your bank account for the loan to be deposited. Finally, your debit card information will be registered to make repayment easier for you.

You can also get a Migo loan by dialing *561# for MTN, 9mobile, and Glo or *554*561# for Airtel. From the list, select “Request Loan” to see a list of your customized loan offers.

To apply for a Migo loan, CLICK HERE

To get more information about Migo loan, CLICK HERE

13. Money (Zedvance)

MoneyPal owned and managed by Zedvance Limited is the 13th position rating on our list of top 20 emergency cash immediately loans

Zedvance Limited is a consumer finance company that offers loan packages that cater to all your financial needs regardless of what they may be. The company claims an eligible individual or small business can get up to N5million quick loan in 5 hours. Customers can enjoy loan tenors up to 24 months at Annual Percentage Rate (APR) of 34.8% – 365%.

For example: If a customer borrows NGN100,000 for 6-months, we will charge an interest rate of 2.9% per month at an APR of 34.8%. A processing fee of NGN1,900 (that is 1.9% of the amount requested) will apply as well as six monthly repayments of NGN 19,566.67. This gives a total repayment of NGN 119,300.02.

To apply for MoneyPal loan, by downloading the app on Google Play Store, CLICK HERE.

To Visit and apply through MoneyPal (Zedvance) website, CLICK HERE

To read more about MoneyPal (Zedvance) loan platform, , CLICK HERE.

14. C24 Capital

C24 Capital takes the 14th position on our 20 top emergency cash immediately loans. The platform provides retail loans for consumers in need of quick financial solutions and is focused on delivering services that can be accessed online, from any internet-enabled device anywhere within Lagos.

C24 Capital does not exist on Google Play Store or App Store and therefore application has to be completed on the company’s website.

Types of C24 Capital Loan Offer

Personal Loans

Business Loans

Quick Cash

How To Apply For A C24 Loan?

Check Your Eligibility…Read through our loan requirement to see if you meet our eligibility criterion.

Personalize Your Offer…Select how much loan you want and how long you want to take it for.

Borrow & Repay…Once you are done with the application submit your application and you get your loan amount with your own terms within hours.


4 Adenubi Close off Majekodunmi Street, off Allen Avenue, Ikeja, Lagos

Reach them on WhatsApp 09090896919
Call Us On:
09090896919, 09090897471

Working Hours: 8:00AM – 5:00PM
Working Days: Monday – Friday

To apply for personal or business loan with C24 Capital, CLICK HERE.

To apply for QuickCash from C24 Capital as a Civil Servant, CLICK HERE.

To visit C24 Capital website and read more, CLICK HERE.

15. Alat By Wema

ALAT by WEMA takes the 15th position on our list of top 20 emergency cash immediately loans. The platform offers easy access to quick cash 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 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 read more about ALAT BY WEMA, CLICK HERE.

 16. Lendigo

Loan Apps in minutes in Nigeria
Lendigo is our 16th pick on our list of Top 20 emergency cash immediately loans

Lendigo prides itself as Nigeria’s No 1 SME Finance Provider. The lending platform offers Nigerian SMEs easy, fast and flexible access to working capital according to their business requirements and suited to their finance needs.

If you are a SMEs that provide Retail and Professional services as well as traders of general merchandise such as Electronics, Computing, Phones, Fashion & Apparel, Household Goods among others, then you can apply for Lendigo loan in minutes and get it processed for you.

Up to ₦10m Loan
Apply in Minutes
Low Interest Rate
Flexible Terms

To Apply, Click here.

17. Specta Loan App

Loan in minutes in Nigeria
Spectra is our 17th pick on our list of Top 20 emergency cash immediately loans

Specta is an online lending platform that gives you loans of up to 5 Million in one transaction all within 5 minutes! No collateral, no paperwork and no visit to any office. It is our no top 6 loan apps in minutes in Nigeria.

With Specta, you can take care of urgent personal and business needs anywhere, anytime. The Specta4individuals package is particularly tailored towards accessing a personal loan of up to N5 Million without collateral in 5 minutes.

To apply, Click here.

  18. iMoney

iMoney is the number 18 of our top 20 emergency cash immediately loans domiciled on Google Play Store.

iMoney Platform offers the following

1. Loan Amount: ₦5,000 ~ ₦500,000
2. Loan Term: the shortest tenor is 91 days, the longest is 180 days
3. Interest rate: 12% – 36%APR
4. Service Fee: 0%
5. Loan request: Need to be at least 18 years old or above

Example: If the loan amount is ₦5,000, the loan term is 180days, and the Interest rate is 12%, the total Interest should be ₦5,000 * 12% = ₦600.

To apply for a loan, you just need to follow several steps:
* Create your account
* Apply a loan
* Receive your loan straight into your bank account
* Build your loan limit every time you repay a loan

You can download the iMoney app on Google Play Store by clicking here

 19. GTWorld

With GTWorld, you have a Mobile Banking and Quick Loan App that is designed to cater to all that’s important to you easily and seamlessly. However to enjoy its services, you first have to open an account with the bank.

Key Features:
• Login and complete your transactions using your face, fingerprint or a 4-digit PIN.
• Check your account balance; transfer money within your accounts and buy airtime; all without having to sign in.
• Turn your contacts into a beneficiary list; send money to someone using just their mobile number.
• Apply for loans and set savings target right from your phone.
• Send your Account Statements to your email or to an embassy of your choice.

Manage your Accounts:
• Set up a new account and view your account balance(s).
• View transaction history and search transactions
• Fx Transfers to all Banks
• Confirm and manage your cheques.

You can download the GTWorld app on Google Play Store by clicking here

20. Coolbucks Loan App

5 Best Loan Apps In Minutes In Nigeria
Coolbucks is our 20th pick on our list of Top 20 emergency cash immediately loans

Coolbucks makes the 20th position on our list of top 20 emergency cash immediately loans. The online lending platform provides unsecured loans without collateral within minutes of completing your application.

Depending on your profile, Coolbucks can disburse within 5 minutes to 24 hours of completing our application. The platform provides you up to N5,000,000 within minutes.

The platform also offers small ticket loans from N15,000 to low income customers and up to N5,000,000 to high income customers. Borrowers can access loans within 30 minutes maximum.

To Apply For A Coolbucks Loan, CLICK HERE.


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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.


  1. Why would you put up Sokoloan here?….your report on sokoloaon is very misleading….most of the loan Apps you put up here are just7 days repayment with inconsiderate high interest rate. Sokoloan will start abusing, cursing and sending character damaging messages to you contacts if you ever default for a day!…They do not respect the privacy agreement they wrote there. And next credit are worse they will call all your family members criminals and send the messages to your contacts that your whole families are criminals on the run with company’s money….

    It seem they have bribed you for you to be advising people to take loans from them. Oga, what exactly is your mission???

    1. Thanks for the feedback Mr Amaka Manuel. We didn’t have full information and overview of Sokoloan and some other rogue loan apps as at the time we published the article… Even we have blacklisted Sokoloan and some other similar fraudulent apps…. THIS ARTICLE WILL BE UPDATED NOW. THANKS ONCE AGAIN.

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