8 Sure Loan Apps You Can Trust for Quick Cash


Most frequently, many individuals and businesses might need some extra-cash in managing some financial issues around them. In times like these where all of time, the process of accessing fast loans in Nigerian banks is very long and means of getting money has been exhausted, the best option is to consider getting a fast and easily affordable loan online.

For any person who only seeks to access a small amount of loan for only a short period of time in Nigeria, personal loans.


Online lending start-ups make it easy for businesses and individuals to have access to fast loans when needed, thanks to the Fintech revolution in Nigeria.

  1. Carbon

Officially named PayLater, is the first on the list of Nigeria’s best loan apps.

Click to download Carbon on Google Play Store

It is a simple, completely online lending platform that offers short-term loans to help cover unforeseen expenses or urgent cash requirements.

1.     Hometown

Hometown first and initial maximum loan offer for every first customer is fixed at ₦10,000. Users automatically get a 100% increase in their next loan upon repayment of the initial first loan. This feature gives Hometown loyal customers the opportunity to build their creditworthiness with them as they progress in their repayments.

Hometown Loans are locally owned and operated. All loan decisions are made in house. Most application decisions are made in an hour or less. Hometown loan app look forward to helping you with your financial needs.  Click to Download Hometown from Google Play Store

3. Palmcredit

PalmCredit is a virtual credit card that makes it simple at any time and anywhere for you to access a loan.

With just an Android device and simple verification, with a fast application process that allows you to know your status within minutes, you can apply for a Paylater loan 24 hours a day, 7 days a week.

With just a few steps then you have everything in your control to get the loan you want.

All you need to do is download the Palm Credit App on Google Play store, Fill in your info, use your phone number or Facebook account to sign up, and you will be able to complete your registration in a matter of minutes.

Plamcredit also offers reward offers for referring individuals to Palm credit. Isn’t that fantastic?

4. Branch Branch

In Nigeria and Kenya, Branch is a simple yet powerful app for mobile loans. It’s so convenient and easy to get simple and instant loans on the Branch App. In real time, it will help you figure out your financial problems.

The branch provides loans ranging from 1,500 to 150,000. The terms of the loan vary from 4-64 weeks. Interest ranges from 14 percent to 28 percent, depending on the selected loan option, with an equivalent monthly interest of 1 percent to 21 percent.

For access to fast and instant loans, download the Branch App.

Aella Credit is developing networks that make it easier for people to access funding in Africa. The business was mainly focused on employee lending and empowerment and was partnered with three major credit bureau agencies in Nigeria to provide its customers with quick and affordable loans without paperwork.

To assess the creditworthiness of its users, Aella Credit utilizes a proprietary credit scoring algorithm To assess the creditworthiness of its users, Aella Credit utilizes a proprietary credit scoring algorithm.

The algorithm, which was created after the team collected market data and research over five years, processes the eligibility of an applicant for a loan by considering social and demographic variables as well as their debt-to-income ratio.

Finance is complex enough. People and businesses deserve easy, straight forward products that actually work. Aella makes it super easy for anyone to borrow, invest and make payments. No excuses.

6. To get started, download the Aella Credit App nowQuick Check

Fast Check is a new lending site for individuals or small companies that can never be left out of KGC Meritzone  list of loan applications for Nigerians.

Users will receive fast loans of up to #30,000 without any collateral for a period of either 15 or 30 days, according to the website.

The more loans you take and repay on time, the better your credit score, and you have access to even higher amounts! This is potentially one of Nigeria’s best loan applications.

Never go broke again with the QuickCheck Loan App. There are no long queues, no long wait times, no collateral or guarantors needed. Just your smartphone and our loan app and you gain access to quick cash credited straight into your bank account. Access quick cash loans at single-digit interest rates, anywhere, anytime. This loan app for Nigerians, helps you access instant online quick credit without collateral.Remember to download Quick check

7. Kwikmoney

This is also among Nigeria’s smartphone loan applications. By making loans easily available, it fills the distance between you and your needs.

Your mobile and your SIM registered in your bank account are the only things you need.

Here are two ways to get a loan from Kwikmoney.

Method 1

  • Dial *561# on your mobile phone.
  • Select ‘Loans” and then “Request Loan”
  • Select the loan amount you require
  • Enter your bank details and within seconds your account will be credited

Method 2

  • Visit https://kwikmoney.com
  • Input your phone number in the text box
  • You will receive a verification code on your mobile phone, input the code in the text box provided
  • Click “Check Loan Offer” from the menu displayed
  • Select the loan amount you require from the list of offers displayed
  • Enter your bank details and within seconds your account will be credited.
  • All loans are payable within 14 days.


Sokoloan, in Nigeria, also made it to our list of online loan applications. 

Sokoloan is a straightforward online lending site that offers short-term loans to help meet unforeseen costs and immediate needs. 
Download and apply to Sokoloan for online loans in Nigeria without collateral, cheap loans and easy loans in Nigeria. 

For e.g, Sokoloan charges an interest rate of 4.4 percent a month if you want a six-month loan and borrow # 2,000. 
Sokoloan will owe you #263. The interest rate is 26.4 percent.

Downland Sokoloan App


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