August 28, 2018 Zee

5 Top Loan Mobile Apps in Nigeria

Need money to run a quick project to payback later? Good. Here are 5 Top Loan Mobile Apps in Nigeria that can help you quickly get things done. These are small term loans for individuals and SMEs.


5 Top Loan Mobile Apps in Nigeria

Paylater® lets you control your finances with a few clicks. You can get instant short-term loans for urgent needs, invest money to earn high-interest rates, recharge airtime on your mobile phone, and make bill payments for services.

It’s fast, secure, reliable and works 24/7. Currently available in Nigeria and Ghana.

See a customer’s review about paylater



This money loan app in Nigeria is a lending and credit system which is designed for small business enterprises and private individuals. With them, clients can receive instant and readily accessible funds of not more than 30,000 Nigerian Naira for a period of either fifteen or thirty days without providing any collateral in exchange. Quick Check app is available on Google Play.

Note: The reviews of this app on the Play Store weren’t favorable so proceed with caution.



Quickteller recently introduced a short-term loan designed to grant Nigerians a quick cash to meet their immediate needs without the stress of paperwork or any collateral required.

Getting a loan from Quickteller doesn’t require any paperwork or collateral but can be done using your mobile phones, tablets, and laptops.

Quickteller has an option in their main banking app or their website to request for small loans. I checked it out and it looked good.

To get started simply dial *322*6# and follow the prompt and there are 2 options ” request loan & borrow airtime” or visit 

This offer is for those who need between N1000 – N10,000 and it will be credited to your bank account once you are eligible.



Though not an app, it is worthy of mention.

Kiakia loan is offered by Sterling Bank. It’s a non collateral offer. The Kiakia loan comes with a new Sterling Bank account when applying. The amount you borrow will be deposited into your new account once your loan is approved.

Things I don’t like:

  1. You have to meet an agent for the loan application. (For a quick loan?)
  2. You will be required to pay an application fee. It is N2500. (huh?)
  3. You will need to wait for few weeks for the sterling bank account to be opened.

I’d recommend you looking at other options though,, especially if you don’t want a Sterling Account.

And no 5 in our list of top Loan Mobile Apps in Nigeria:


Fairmoney is a Loan App that gives you access to loans anywhere within 5 minutes, as they claim.  With FairMoney Loan App, you can get up to ₦40,000 for your first loan without collateral.

Proceed with caution though.

RECOMMENDED READ: 6 online Payment Gateways in Nigeria

So there you have it – 5 Top Loan Mobile Apps in Nigeria that can help you get things done quickly. Give them a try and let us know if it works!



Though most of these platforms claim to offer quick loans without any collateral, carefully study their Terms & Conditions (T&C) before joining the bandwagon. Look thoroughly through the Interest rates and payback period and consequences for late payment because… you never know!

Click to read this review about how or not legit these apps are

Good luck.


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Welcome to The Pishon Design Blog! The exciting digital space of Zainab Sule, who seems to be quite at home with Code and guitars. This blog focuses on latest web design trends, apps, and everything digital! Follow us with @pishondesignstudio on Instagram!