10 Apps For Urgent Loan in Nigeria Without Documentation 2023-2024

10 Apps For Urgent Loan in Nigeria Without Documentation:

In a tight spot and need cash fast? The idea of getting an urgent loan in Nigeria with no documentation might be tempting.

Traditional banks usually make you jump through hoops, asking for ID, utility bills, and even collateral. But guess what? Online lending apps and platforms are changing the game.

We have put together a list of ten top-notch apps and platforms where you can get a loan in no time, with no documentation required. Forget about needing a bank statement to seal the deal.

So, if you’re keen to discover these hassle-free apps for urgent loan in Nigeria without documentation options, stick around, and let’s dive into this post!

See Loan in Minutes in Nigeria Without BVN

10 List of Online Loans without Documentation in Nigeria 2023-2024

  1. Renmoney
  2. FairMoney
  3. ALAT By Wema
  4. Branch
  5. Carbon
  6. Umba
  7. QuickCheck Loan App
  8. Lendigo
  9. NodCredit
  10. Blocka Cash


Renmoney is the first in our list of platforms for urgent loan in Nigeria without documentation.

Boasting more than half a million downloads and a slew of glowing reviews, getting a quick, no-paperwork loan in Nigeria is a breeze with Renmoney.

This online banking app has got you covered, offering substantial loans that go up into the millions of Naira—and you don’t even need to put up collateral.

The Renmoney app is versatile, designed for both Android and iPhone users.

When it comes to interest rates, they’re pretty reasonable, ranging from as low as 2.4% up to 9.33%, with repayment periods that can stretch for up to two years.

But that’s not all. Similar to Branch, Renmoney isn’t just about loans.

The app also serves as a one-stop-shop for other financial transactions—you can pay bills, purchase airtime, and a whole lot more.


There is no possible way for us not to include FairMoney as one of the best platforms for urgent loan in Nigeria without documentation.

Fairmoney is making waves for all the right reasons. Forget the stress of paperwork or the need for collateral.

All you’ve got to do is download the Fairmoney app, breeze through the sign-up process, fill in your personal info, and you’re all set to apply for that loan.

But here’s the kicker—the whole process is lightning-fast. Within just a few minutes, you’ll find your Fairmoney account credited with the loan amount.

From there, you’ve got options. Either transfer the funds straight into your bank account or use it directly from the app for various online transactions.

We’re talking about not just paying bills but also buying airtime, shopping online, and even sending money to friends or family.

With Fairmoney, financial flexibility is just a tap away. It’s not just a lending app; it’s a comprehensive financial tool that’s ready to simplify your life.

no-documentation loans in Nigeria

ALAT By Wema

In search of a trustworthy source for online, no-documentation loans in Nigeria? Look no further, ALAT by Wema has got your back.

Pioneering as Nigeria’s inaugural fully digital bank, ALAT is more than just a lending platform.

It’s engineered to make your financial life seamless, enabling you to set up scheduled transfers, build savings, manage bill payments, and of course, secure loans without needing collateral.

Getting started is a breeze. Simply download the ALAT app, complete the registration process by confirming your phone number and email, and enter your personal details.

What sets ALAT apart are its attractive interest rates tailored for personal loans, along with the flexibility of extended repayment periods.

But the perks don’t stop there. ALAT also features additional functionalities that can benefit you in various ways, such as setting up budget plans and even investment options.

So, not only does it meet your immediate financial needs, but it also helps you plan for the future. It’s like having a full-service bank right in the palm of your hand.


This list won’t be completed if I don’t include Branch as one of the top urgent loan in Nigeria without documentation.

If you’re on the hunt for an all-in-one financial app that you can rely on for everything from money transfers and investments to quick loans, Branch is your go-to platform.

This multifaceted app has established itself as a trusted resource for a variety of daily financial needs, including buying airtime, paying bills, and even dipping your toes into the investment pool.

One of the Branch’s standout features is its hassle-free loan process.

Forget about sifting through stacks of documents; you can get an emergency loan in Nigeria in record time.

It is coupled with competitive interest rates and flexible repayment options, it’s clear why this platform is a crowd favorite.

Branch isn’t shy when it comes to loan amounts either.

You can secure personal loans that range from as little as 2,000 to a whopping 500,000 Naira—all within just a few minutes.

And let’s not overlook the loan tenures; these can stretch from a quick 62-day term up to an entire year.

But that’s not all. Branch goes the extra mile by offering budget management features and financial advice, making it a comprehensive solution for those keen on both short-term relief and long-term financial planning.

In essence, it’s like having a financial advisor, loan officer, and bank teller all rolled into one user-friendly app.


Another platform for urgent loans without documentation is Carbon loan app.

Need fast cash without the fuss of paperwork? With the Carbon app, getting an urgent loan in Nigeria is as simple as it gets.

Just download the app, breeze through the sign-up, enter your personal info, and confirm your phone number. Yes, it’s that straightforward.

Carbon isn’t skimpy on loan amounts either. You can snag anything from a modest 1,500 Naira to a substantial 1 million Naira, and you’ll have up to six months to pay it back—no nagging, no hassle.

The flexibility in repayment options is one of the reasons Carbon has gained so much traction among Nigerians.

But there’s more to Carbon than just loans. The app also provides a host of other financial services that can help streamline your money matters.

From bill payments to financial tracking, Carbon is a versatile tool designed to simplify your life while helping you meet your financial goals.

Urgent Loan in Nigeria Without Documentation


When it comes to securing a quick loan in Nigeria without the hassle of paperwork, Umba is hard to beat.

This app is a frontrunner in the lending space, boasting some of the most customer-friendly terms around. Think no late fees, zero rollover charges, and absolutely no origination fees.

Getting started is a breeze. All you need to do is link your bank account so Umba can quickly assess your creditworthiness.

Once that’s sorted, you could be eligible for an instant loan up to 300,000 Naira. And the interest rates?

They’re pretty reasonable, ranging from about 10% to 21%, with a repayment period that can extend up to 62 days.

But Umba doesn’t just stop at flexible repayment plans. The app also offers a range of other financial services to make your life easier.

From budget tracking to financial planning tools, it’s more than just a lending platform; it’s a comprehensive financial companion.

So, whether you’re looking to solve a short-term cash crunch or are planning for the long haul, Umba has got you covered.

QuickCheck Loan App

QuickCheck Loan App also emerges as one of the online loan in Nigeria without documentation.

Skip the queues, long waits, and paperwork at the bank, QuickCheck delivers urgent loans straight to your bank account in no time, all from your smartphone.

This top-rated Nigerian app has already hit over a million downloads and is flooded with positive reviews.

You can snag loans up to 1 million Naira and enjoy the flexibility of paying it back over a year.

If you’re after a hassle-free loan without needing bank statements or income proof, QuickCheck is a solid bet.


As its name implies, Lendigo is also a lending platform for urgent loan in Nigeria without documentation.

No collateral, no problem, Lendingo App grants quick, low-interest loans up to a whopping 10 million Naira, mainly aimed at businesses.

While they do ask for some paperwork for larger loans, you won’t need a guarantor or collateral if you fit their criteria and agree to their terms.


NodCredit is a go-to platform for no-collateral online loans in Nigeria, catering to everyone from salaried employees to self-employed individuals and businesses.

If you’re new to NodCredit, you can easily secure a quick loan ranging from N10,000 to N50,000. Loyal customers? They can tap into loans up to N300,000.

What sets NodCredit apart are its incredibly low-interest rates, anywhere from 1% to 16%,

with the added bonus of flexible repayment terms that extend up to six months.

Blocka Cash

The last in our list of urgent loans in Nigeria without documentation.

Blocka Cash’s loan app is readily accessible on both the App Store and Play Store, making it convenient for both Android and iPhone users.

As long as you’re 21 or older, you can effortlessly download the app, apply for a loan, and see the funds hit your account in mere minutes.

When it comes to interest rates, Blocka Cash offers pretty competitive numbers.

You have the option to borrow up to 70,000 Naira, and the best part? You’ll have up to six months to pay it back, thanks to their flexible repayment plans.

Don’t miss the List of Fake Loan Apps in Nigeria

FAQs on Urgent Loan in Nigeria Without Documentation

What Are the Best Apps for Urgent Loans Without Documentation in Nigeria?

If you’re strapped for cash and can’t deal with a lot of paperwork, you’ve got options. Fairmoney, Carbon, Umba, and NodCredit are some of the go-to apps for you.

Each one has its own features, different loan amounts, interest rates, and how long you’ve got to pay it back.

How Do I Qualify for an Urgent Loan in Nigeria?

Alright, so the age thing varies. Some apps say 18 is fine, others want you to be 21. You’ll need to sign up, and they’ll usually ask for a phone number.

Some might even want to check your bank account. Just make sure you’re what they’re looking for, and you’re good to go.

Do These Apps Charge High Interest Rates?

Man, it’s all over the place. Some are super low, like 1%, and others can shoot up to 21%.

You’ll have to read the fine print so you know what you’re getting into.

How Quick Is the Loan Disbursement for Urgent loan in Nigeria without documentation?

These loan apps don’t mess around. Most will disburse the money into your account in minutes.

Do I Need a Guarantor or Collateral for Urgent Loan?

No, these apps get that you might not have collateral or a guarantor on standby. Just be sure you can pay back what you borrow, or else you’re asking for trouble.

Can I Extend My Loan Repayment Period?

Most of these apps are cool about repayments. If you’re in a bind, some might even let you stretch out the due date. Just know that it might cost you a bit more in fees or interest.

Can I Take Multiple Loans at Once?

Each app has its own rules. Some might let you get a couple of loans if you’ve got a solid payback history.

Others want you to clear one loan before you go for another. Always read the rules, so you know what you’re signing up for.

Here is Instant 50,000 Naira Loan in Nigeria

Conclusion on Urgent Loan in Nigeria Without Documentation

A lot of people in Nigeria are on the hunt for quick loans to tackle urgent matters, and let’s be real, finding a solid app or platform for no-hassle loans in 2023 is top of the list.

This post has got you covered with some prime options. But hey, don’t just take our word for it, do your own digging on each app to see if their rules and rates are a good fit for you.

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