Top 10 Best Loan Apps Without Debit Card In Nigeria

Today, we bring you the top 10 best loan apps without debit card in Nigeria. These digital lending apps provide instant cash offers for both for individuals, self employed and business owners in Nigeria.

There have been a lot of complaints from Nigerians about lending apps and loan sharks illegally withdrawing their money due to stored debit cards on their system. Some others demand for security deposit taken directly from customers’ debit cards before loan approval and eventually do not borrow them the money. Therefore we have deemed it fit to identify the top 10 ways to get loan on apps without debit Card in Nigeria.

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, especially when payday is still far away. However we now bring Nigerians the top 10 loan apps without debit card that can approve instant loan credit for them. These lending apps come with reputation and good customer service but without shame or threat to their borrowers.

Top 10 Loan Apps Without Debit Card In Nigeria 2022

See below our list of best 10 loan apps without Debit Card in Nigeria. Included after each review are the links to the apps on Google Play Store and in some cases on apps store for iOS users and website of the platforms.

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

loan apps without ATM Card

1. Branch Loan App 

Branch is the world’s leading digital lending app for personal and business finance and the first on our list of loan apps without debit card in Nigeria. Branch app makes it easy for people in Nigeria to get quick loan up to ₦500,000 without debit card, in addition helps 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.

Features of Branch 

Digital lending process of Branch is designed to fit the needs of the borrower and help him or her grow. As you build credit with Branch, you unlock larger lending amounts. Unlike other loan apps, Branch don’t make you jump through hoops or fill out paperwork and like we said, you dont need to supply your ATM card. Simply apply through the Branch app and get approved in under 24 hours.

No hidden fees, no surprises

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.

READ ALSO! Top 15 Fake Loan Apps In Nigeria 2022

What Is Required To Receive A Branch 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 read more about Branch loan details, CLICK HERE.

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

2. Aella Credit Loan App

Aella Credit is a leading digital lender and one of the few platforms with loan apps without debit card in Nigeria. With this app, it shouldn’t be difficult to borrow quick loans and get instant cash 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.

According to Aella, “you deserve simple, straightforward products that actually work, adding that they make it super easy for anyone to borrow, invest, make payments, and insure their health.

How Aella Credit Loan App Works

1. Download Aella digital lending app

Download the Aella Credit app from Google Play Store or IOS App Store.

2. Create your account

Simply fill out your details in less than a minute and submit for a quick review.

3. Update your profile

Update your profile by providing answers to quick questions about you.

4. Check Eligibility

Click the “Check Eligibility” button to see the amount of loan you are eligible to borrow in seconds.

5. Apply for loan

Loans will be sent to your provided account in 5 minutes or less.

6. Receive funds in your bank account

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.

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

To read more about Aella Credit, CLICK HERE.

3. Quick Credit Loan App

Quick Credit is our 3rd in the list of top 10 loan apps  without debit card in Nigeria. It is 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 DEBIT CARD to apply for Quick Credit loan.

READ ALSO! 5 Best Digital Lending Apps In Nigeria

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

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

4. FairMoney Loan App

FairMoney is a top digital lender and one of the few loan apps without debit card in Nigeria that gives out credit to customers instantly once application is approved. It also serves as a leading digital bank in Nigeria.

In the last four years, over 3 million customers have patronised FairMoney for quick online loans.

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

Now, the FairMoney app is more than just a loan app. The platform owns 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).

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

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

To visit FairMoney website CLICK HERE.

5. Umba Loan App

Umba is part of our list of veritable and reputable platforms with loan apps without debit card in Nigeria. The app allows users to apply, drawdown and repay loans directly from their smartphone or desktop computer without submitting their debit card details. Once an individual is verified, the loan platform says it can make lending decisions which are based on an assigned risk rating.

Umba app is hosted on google play store and it does not require any collateral or documentation to access its quick loan.

1. Create your account
2. Apply in seconds
3. Receive an Umba Loan
4. Increase your loan limit every time you repay a loan on time

1. Umba quick loan puts you in control of your finances. The Umba app lets you apply for credit on the go and it works 24/7.
2. No paperwork, collateral or office visits needed
3. You can use your Umba loan to send money directly to your M-Pesa account, to merchants, or utility providers
4. No late charges or rollover fees
5. Get access to bigger loans, lower fees, and flexible payment terms as you repay
6. Loans are approved and disbursed quickly

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

6. Renmoney Loan App

Renmoney is one of our list of top 10 loan apps without debit card in Nigeria. 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.

To Apply for their Renmoney loan on app without debit card, CLICK HERE

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

To read more about Renmoney, CLICK HERE.

7. OKash Loan App

Okash is one of the reputable loan apps without Debit Card in Nigeria. Okash loans can be obtained seamlessly and it gives you easy and instant access to credit anytime, anywhere nationwide.

Okash lending app is convenient for Nigeria mobile users and it’s 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

Loan Products:
Tenure: 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%

Their 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

Why OKash?
1.You can apply for loan on app without debit card. You also don’t need any deposits or guarantees.
2. Up to NGN500,000. Disburse to your bank account.
3.Paperless and digital process on your mobile. All the steps can be done online.
4.We do not share your data with any third parties without your consent. Your data is totally safe with us.
5.Don’t worry about forgetting repayment. We’ll send messages to remind you.

Loan apps without debit card in Nigeria: How To Get Lending with Okash?

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.

1. Nigeria Resident.
2. 20-55 years old.
3. Source of a monthly income.

Customer Service Email:
Customer Service Hotline: (+234)08097755512,08097755514
Address: Room 301, Japaul House, Plot 8 Dr. Nurudeen Olowopopo Way, Central Business District, Ikeja, Lagos, Nigeria

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

8. GTB Quick Credit 

Gtbank Quick Credit is the top digital lending platform of the bank where account holders can apply for loan and get instant cash between N10,000 and N5million. It provides one of the numerous loan apps without Debit Card in Nigeria. 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 dont need any guarantor or collateral neither do you need  to submit your Debit Card details

GTB Quick Credit gives you funds up to N5million at an interest rate of 1.5% monthly and it has no hidden charges.


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


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)


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


1. What is QuickCredit?
QuickCredit is a time loan accessible to Salary and non- salary account holders.

2. What is the minimum loan amount?

3. What is the maximum loan amount?
N5million for salary earners and N500,000 for non-salary earners.

4. What is the maximum tenor for QuickCredit?
6 – 12 months

READ ALSO! 11 Top Digital Lending Apps In Nigeria For Quick Loan In 2022

5. What interest rate will I be paying if I use/apply for QuickCredit?
1.5% per month

6. What are the other fees to be paid on QuickCredit?
No hidden charges. No Management Fee.

7. How can I access the QuickCredit loan?
Internet Banking
Mobile Banking App

8. Is there a minimum and maximum age for eligibility?
Yes, applicant must not be less than 18 years at loan application date and should not be older than 59 years at loan maturity date.

9. What if I have an existing loan with other banks on Remita platform, can I still apply for QuickCredit?
Yes, you can

10. How long does it take to access QuickCredit?
Quick Credit will be availed immediately after a successful application.

To read more about GTB Quick Credit, CLICK HERE.

9. Money in Minutes (Loan Apps Without Debit Card in Nigeria)

Money In Minutes is one of our best loan apps without debit card in Nigeria. 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.

With over $10 Billion disbursed over the last two decades, Money In Minutes is in a position to help individuals and businesses to grow. According to the company: “Affordable and stress-free finance shouldn’t be for the privileged few but for ambitious and hardworking citizens that can demonstrate the ability to afford repayments.”

The platform has a robust and wide range of products to help you access affordable finance for various needs and purposes.

MIM gives loans on their apps without debit card details, ranging from ₦25,000 – ₦2m at interest rates between 4% to 30%

Quick access to affordable finance in minutes.

To apply for a Money In Minutes Loan, CLICK HERE

10. QuickCheck (Loan Apps Without Debit Card in Nigeria)

When you are thinking about loan apps without debit card in Nigeria, think QuickCheck. The lending application uses machine learning to predict borrower’s behaviour and instantly evaluate loan applications. In addition, it is among the few loan apps without debit card in Nigeria. 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 from QuickCheck.

READ ALSO! Ongoing: CBN Offers N5m, N25m And N100m Loan For Graduates (APPLY HERE)

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?       

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.

Who Is Eligible To Apply?
Nigerian adults with good credit score. You can access our services from anywhere in Nigeria as long as you are eligible and you own an android device.

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

To Visit Quick Check website, CLICK HERE


Which app gives loan without debit card in Nigeria?

The following are the loan apps without debit card in Nigeria:

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

Can I get loan without ATM card in Nigeria?

Yes you can. An ATM 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.

10 Best Loan Apps Without ATM Card In Nigeria 2022

Which is the best app to get instant loan on apps without debit card in Nigeria?

Below is a list of the top best apps to get instant loan without debit card in Nigeria: Please note that this rating is subject to review from time to time.

Top 10 Best Loan Apps Without Debit Card In Nigeria

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

For details, you can also read, 15 Reputable Loan Apps In Nigeria For Quick Cash Without Shame

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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. I must commend the management of QUICK LOAN ARENA. This blog has brought fresh air to the quick loan industry in Nigeria and indeed Africa

  2. Thank you for taking the time to make this exposition. Please what do you know about Gomoni Loan app?

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