10 Best Loan Apps Without ATM Card in Nigeria 2023

  • June 1, 2023

This post contains a list of the best loan apps without ATM card in Nigeria.

In today’s fast-paced world, access to loans is crucial for many individuals and businesses. In Nigeria, however, traditional banking and online lending methods can be difficult to navigate and often require an ATM card, which not everyone has or is able to obtain, while some are afraid to put the details online.

Fortunately, there are now loan apps available that allow users to apply for and receive loans in minutes without the need for a debit card. These apps use innovative technology and simple alternative forms of verification, such as a some basic personal details, to quickly and easily approve loan applications.

With these apps, Nigerians can access loans in a convenient and efficient manner, regardless of whether or not they have an ATM card. These apps may also allow for flexible repayment options, competitive interest rates and a user-friendly interface that can provide a smooth experience for the borrower.

Overall, loan apps without ATM card in Nigeria are offering a great solution to the unbanked population to access loans in a more convenient way. And Nairarush has come up with 10 of the best which is as follows.

1. Branch

The Branch loan app is a reliable fintech app that helps users with everyday financial transactions such as money transfers, savings, investing, airtime purchases, bill payments, and lots more.

Also, using the Branch app, you can get an urgent loan without atm card in Nigeria. The platform offers a fair interest rate and flexible repayment methods.

Branch offers personal loans ranging from 2,000 to 500,000 Naira in minutes. The app also offers an amazing loan tenure which usually ranges from 62 days to 1 year.

2. Renmoney

loan apps without atm card in Nigeria

Renmoney App is one of the best loan apps that work on both iPhone and Android in Nigeria. It is a finance app that let people save and transfer money, pay bills, purchase airtime, and of course, take instant loans from their phones.

Renmoney is reliable as it is one of the most popular lending platforms in Nigeria. It has good loan terms and conditions and doesn’t require atm card to get loan applications approved.

Renmoney loan amount ranges from 6,000 to 6 million naira with an interest rate of up to 9.33%. You can take a loan for up to 24 months and pay gradually.

Read Also: Top 14 Urgent Loan Platforms Without Documentation in Nigeria

3. Aella Credit

Aella is a very reliable and transparent urgent loan app without atm card 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 submit a loan application. This app offers a reasonably huge loan amount with a relatively long tenure and juicy interest rates.

4. Umba

Umba is another fintech app that could offer you an instant loan without debit card needed in Nigeria. The app also doesn’t require a guarantor, collateral or any documentation whatsoever to get loan applications approved.

Just by downloading the Umba app, signing up, and verifying your profile, you can get an instant loan ranging from 3,000 to 300,000 Naira with a fair interest rate. You can also access Umba loans via their website.

Related: 15 Best Business Loans Without Collateral in Nigeria

5. Fairmoney

Fairmoney is a very popular lending app in Nigeria that gives loans without documentation or collateral. Up on that, you may wish not to add your atm card and get your loan approved in minutes.

You can just download the Fairmoney app, sign up, add 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.

When it comes to a reliable loan app without atm card in Nigeria, Fairmoney is one of the best as it offers low interest on loans with an amazing tenor ranging from 1 to 18 months.

6. Quick Credit

Quick Credit is an online lending platform owned by GT Bank. On this platform, you can get offered an instant loan without atm card in Nigeria.

Loan offers from Quick Credit usually range from 10,000 to 5 million Naira without any collateral or guarantor. These loans have a relatively long tenor ranging from 1 to 12 months, and also a flexible repayment method.

Unlike other bank loan apps, Quick Credit loan is available to both salary earners and self-employed individuals.

Read Also: List of 30 Fake Loan Apps to Avoid in Nigeria Right Now

7. Irorun Loan App

loan without atm card in Nigeria

Irorun is a new loan app without ATM card needed in Nigeria. This platform is focused on microloans. That is they offer small loans mainly for personal purposes.

By just downloading the app, and registering an account, you could get granted a minimum of 5,000 and a maximum of 50,000 Naira worth of loans. This app is considered one of the most reliable loan apps that don’t require atm card, as it offers realistic loan amounts backed with tons of positive feedback.

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. The app is available for both iPhone and Android users.

8. Quick Check

With QuickCheck, there are no long queues, no long wait times, and no collateral, documentation or guarantor needed to get an urgent loan without atm card. 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 lots 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. While looking for the best loan app without atm card in Nigeria, QuickCheck shouldn’t be left off the list.

See Also: Top 10 Banks that Give Loan Without Collateral in Nigeria

9. Okash

Okash is another popular lending app in Nigeria. This app offers personal loans to Nigerians within minutes. Unlike other loan apps without atm card in Nigeria, Okash gets loan application assessed quickly, and get loans disbursed directly into borrowers’ account instantly if approved.

Okash loans come with fair interest rates, as well as an amazingly long tenor. The repayment method of Okash loans is also flexible allowing you to use multiple options.

10. FlexiCash (PalmPay)

Palmpay is another leading online banking app that allows you to get an instant loan without debit card needed in Nigeria. In general, palmpay lets its users send and receive money, pay bills, buy airtime, invest, take loans, 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’ details with them.

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. The more you borrow and pay back, the higher your subsequent loan limit.


Loan apps without ATM card in Nigeria are providing a much-needed solution for individuals and small businesses that may not have access to traditional banking methods. They are providing a new avenue for access to loans, allowing people who do not possess an ATM card to improve their financial situation. With a few clicks of a button on your smartphone, you can apply for and receive loans, regardless of whether or not you have an ATM card.

With this post, I believe you’ve known the best loan app without atm card in Nigeria for you, from this list of loan apps that don’t require atm card provided in this post.