As an individual or business owner living in Nigeria, you are likely to stumble into a financial crisis at some point in your life. During periods like these, it becomes very important to get access to loans as fast as possible. This is why some Nigerian banks and digital lending platforms have made it possible for you to get access to quick loans without collateral in Nigeria. In this article, we will be providing you with a list of the fintech platforms and banks that provide you with collateral-free loans without any hassle.
What is an Unsecured Loan (Zero Collateral Loan)?
A zero-collateral loan, also called an unsecured loan is merely a loan without collateral. Essentially, this means that the lender provides funds to the borrowers without requesting any security or underlying asset to back up the funding, such as property, vehicle, or even a piece of equipment. In simple terms, a zero collateral loan, unsecured loan, or no collateral loan is a loan that you can obtain without providing any collateral.
What are the Types of Unsecured Loans?
Unsecured loans are loans that are neither protected by a collateral or a guarantor. These kinds of loans primarily include personal loans, payday loans, and even student loans all of which can either be revolving or term loans.
How do Unsecured Loans Work?
To get an unsecured loan in Nigeria, you’ll have to apply for it with a bank, credit union, or even an online lender that offers a wide range of personal loans. If your application is approved, you’ll receive the funds immediately in your account. Subsequently, you’ll have to pay back the loan in monthly instalments, which will be spread out over a fixed repayment term.
How Do You Qualify for an Unsecured Loan?
Here are three general factors that lenders check when considering whether you are suitable for a loan:
1. Good credit
Having an excellent credit score and overall creditworthiness guarantees that lenders will offer you a wide range of personal loans. Your credit score is simply a prediction of your possible credit behaviour, such as how possible it is for you to pay back a loan on time, based on information obtained from your credit reports. Lenders will always assess your credit before offering you a loan
2 Steady Income
Having a steady source of income can tell your prospective lender that you’ll be capable of repaying your loan when it’s due.
3. Low debt-to-income ratio
Debt-to-income (DTI) ratio is simply the specific percentage of your income that you use to pay your monthly debt. Lenders use this metric to determine your borrowing risk. They simply calculate if your debt-to-income ratio is low enough to fund the monthly repayments of your loan.
How to Apply for an Unsecured Loan
Here are the general steps to follow when applying for an unsecured loan from any lending platform:
1. Choose a lender (either a bank or a lending app) from the list we’ve provided below.
2. Next, download the mobile app (if any) of the lender’s website, sign up on the platform, and apply for the loan.
3. During your loan application process, you will need to submit personal details, such as your full name, address, contact details, phone number, email address, account number, as well as your BVN.
4. You’ll also have to submit basic documentation, such as proof of identity, employment letter, and the amount of your monthly income.
4. Submit your loan application and wait for it to get approved.
Once your loan application is approved, you will receive the money directly in your Nigerian bank account. Note that disbursement time can differ depending on the lender but is mainly done within minutes after approval.
Quick Loans Without Collateral in Nigeria
Here is a list of the top 16 platforms that offer quick loans without collateral in Nigeria:
1. Branch
Branch is currently one of the most popular loan apps you can find in Nigeria. Essentially, this app offers Nigerian loans of up to 1 million Naira in less than 20 minutes. The branch specifically designed its loan process to suit the needs of borrowers and help them grow. With Branch, as you build your credit with access Branch by paying back your loan on time, you unlock larger loan amounts.
To start applying for loans on this platform, download the Branch app from Google PlayStore or the App Store. Visit the official Branch website for more information.
2. Carbon
Carbon is one of the best lending platforms that offers quick loans without collateral in Nigeria. Through this app, you can access loans of up to a million naira without collateral, guarantors, or even bulky paperwork. The loan duration for this platform generally ranges between one week to 3 months depending on the amount of money you borrowed. To get started on this platform, download the Carbon app from Google PlayStore or the App Store. Visit the official Carbon website for more information.
3. FairMoney
FairMoney is one of Nigeria’s most prominent digital banks that also provides instant collateral-free loans to borrowers. With FairMoney, you can access up to 1 million loans in less than 10 minutes. As for the loan tenor, it varies between 7 days to 3 months depending on the amount of loan you borrowed.
As an extra service, FairMoney offers its users a bank account, which can be used to execute conventional banking services just like a traditional bank account. To get started on this platform, download the FairMoney app from Google PlayStore or the App Store. Visit the FairMoney website for more information.
4. Lendigo
Lendigo is a financial technology company that is slowly becoming a prominent competitor in the lending industry in Nigeria. The services of this platform are dedicated to providing quick and easy access to collateral-free loans for SMEs through smart technology and innovative procedures.
On its platform, entrepreneurs can apply for short-term collateral-free loans to fund their business needs and pay banks within the stipulated loan tenor. The loan amount you can access on this platform varies between 100,000 Naira to 5 million Naira. Visit the Lendigo platform to start your loan application process.
5. iCredit
Although not as prominent as the others on this list, iCredit Loan App offers secure and flexible loans to borrowers in Nigeria. The loan for this platform ranges between N1,000 to N50,000 with no collateral, guarantors, or rigid documentation.
As for the disbursement time, it will take just 10 minutes or less for you to receive your loan. Sounds like an offer you’d like to try, download and install the iCredit mobile app from the Google Play Store for Androids or Apple Store for iPhones, fill out the pertinent information, wait for the platform to verify your information, enter your loan amount, submit your application, and wait for disbursal. For more information visit the iCredit website to contact customer service.
6. Aella Credit
The sixth on the list of platforms that offer quick loans without collateral in Nigeria is Aella Credit. This mobile loan app offers quick loans of up to 1 million Naira in less than 10 minutes, depending on your creditworthiness.
Also, with the Aella loan app, no paperwork or completed documents are required. Once you can provide your name, address, BVN, and other basic information about yourself, you are eligible for a loan offer on this platform. Download the Aella app on your smartphone and register your details to get started with borrowing.
7. Umba
Although Umba is a relatively new product compared to others on this list, it is steadily gaining a good reputation in Nigeria. This platform does more than provide quick loans without collateral in Nigeria, as it also offers conventional banking services. With an Umba account, you can spend money, pay bills, access loans, and cash back all from the comfort of your home. Umba is also known for its affordable loans with low interest rates.
To get started on this platform, download the Umba app from Google PlayStore or the App Store and create an account for yourself. Alternatively, visit the official Umba platform to get started,
Read More: Top 13 Loans in Nigeria Without Salary Account
8. Migo
The Migo lending platform is one of the most popular apps for getting quick loans without collateral in Nigeria. This embedded lending platform functions by enabling Nigerian lending companies to extend loans to consumers and SMEs on their own platforms. Essentially, this app develops proprietary algorithms to evaluate the credit risk of a customer using the company’s data. Thereafter, it automates credit facilities through cloud infrastructure.
To get a loan from this platform, just visit the official Migo website, enter your phone number for assessment, and your account number for disbursement.
9. Xcrosscash
XcrossCash is a Nigerian-based loan platform that allows eligible users to obtain collateral-free instant loans of up to N100,000 in 20 minutes or less. To be eligible for a loan offer from this platform, you must already be a citizen and resident of Nigeria. Also, you must be between the ages of 20 to 55 years to be eligible to borrow.
Once you meet these requirements, you can borrow up to 100,000 Naira without collateral or documentation on Xcrosscash. To get started with borrowing loans from XcrossCash, simply download the app from Google PlayStore and register with your basic details.
10. QuickCheck
The QuickCheck App is a lending platform that provides instant funds to its borrowers without requesting any collateral or bulky requirements. This product was developed by Arve Nigeria Limited and uses smart machine learning to predict borrowers’ behaviour to help evaluate their creditworthiness. To borrow from QuickCheck, just download the mobile app from Google PlayStore and apply for a loan.
11. Coolbucks
CoolBucks is a reputable online lending platform that offers quick loans without collateral in Nigeria. The best part is that you also get access to your loan within minutes of completing and submitting your application. With Coolbucks, you can access a minimum amount of N15,000 and a maximum amount of N5,000,000 depending on your income.
The loan application requirements for this platform include a six-month bank statement in PDF format, a valid means of identification (either your Driver’s license, International passport, or NIN), a recent utility bill, work ID, and a stamped Employment letter (except for bankers who already earn N140,000 and more).
To borrow from Coolbucks, just visit the official Coolbucks platform, sign up on it using your basic details, and apply for a loan.
12. FairCredit
FairCredit is a reputable Nigerian microfinance mobile app that offers collateral-free personal loans to people who need them. Besides loans, this app also comes with other useful features, such as bill payment, airtime purchases, and an account number that customers can use to send and receive funds from anyone in Nigeria.
Loan amounts on this platform range between N1,500 to N1,000,000 with a loan repayment period ranging between 95 days to 18 months.
If you would like to borrow a loan from FairCredit, just download the mobile app from Google PlayStore and get started with your loan application process.
13. Naira Loan
Naira Loan is a Nigerian-based platform that focuses on providing collateral-free personal loans to people who need them. Generally, the amount of money you can borrow from this platform varies between 5,000 Naira and 100,000 Naira depending on your creditworthiness. The better your credit score, the more amount of loans you can access on this app. To get started as a borrower on this platform, simply visit the official Naira Loan website and sign up with your details. Subsequently, you can apply for a loan based on your credit score.
14. Page Financials
Page Financials is a platform that operates as an instant loan scheme that is legal, clear, and upfront, and provides loans based on borrowers’ current personal needs. This platform promises a quick turnaround in processing loans and same-day access disbursement once the application is approved. So you can be rest assured that you’ll receive up to 1 million Naira collateral-free loan in less than two hours of your application.
To get started with borrowing loans from Page Financials, simply download the mobile app from Google PlayStore or the App Store, register, and apply for the loan. Alternatively, you can visit the official Page Financials platform to get started.
15. Moneypal
Moneypal is a loan platform reputable for offering its users up to 5 million Naira loans without any collateral offers or hidden charges. The interest rates on this platform are also very reasonable with a quick disbursement time that works for its customers. With the Moneypal loan app by Zedvance, it’s easy for you to access a loan in as little as 30 minutes. To borrow money from this platform, simply download the MoneyPal app from Google PlayStore or the AppStore. Alternatively, you can sign up on the official MoneyPal website to get started on your loan application process.
16. C24 Capital
Although C24 Capital is not as popular as the loan platforms listed above, it is still one of the best places to get quick loans without collateral in Nigeria. You can get up to 1 million Naira as a loan from this platform, depending on your creditworthiness. The best part is that your loan is disbursed to you in no time. There are primarily three kinds of loans you can borrow from this platform. They include:
- Personal loans (for individuals)
- Business loans (for entrepreneurs)
- Quick cash (for civil servants)
If you want to borrow from this platform, all you need to do is to visit the official C24 website and apply for your loan. Alternatively, you can download the Android app and sign up on it to get started.
Quick Banks Loans Without Collateral in Nigeria
Here is a list of the quick loans without collateral in Nigeria that you can get from commercial banks:
1. Wema Bank
If your Salary Current Account or Permanent Savings Account is domiciled with WEMA Bank, then it is very easy for you to get a loan without collateral. As a salary earner, you can receive a minimum loan of 50,000 Naira and a maximum loan of 4,000,000 Naira from Wema Bank within just a few hours and without providing any collateral.
As for the loan tenor, you have between 3 to 24 months to repay the loan at a 2% interest rate every month on a reducing balance basis. Note that this collateral-free loan option by Wema Bank is only for confirmed employees of Nigerian organizations.
How Can I Apply for a Quick Loan Without Collateral from Wema Bank?
To apply for a quick loan without collateral from Wema Bank, follow these steps:
- Sign in to ALAT or sign up for the platform if you have not done that already.
- From the list of items on the menu, click on “Loans”
- Read through the terms and conditions of the loan thoroughly and understand the ALAT disclaimer
- Apply for the loan
- Upon successful evaluation of your creditworthiness and other important checks, a loan offer will be presented to you with tenor and applicable interest rate based on your income and current risk score.
- If you consent to it, tap on “Agree” and your Wema account will be instantly credited with the same amount you applied for.
Alternatively, you can access the loan via the Wema USSD code for loans. The WEMA Bank USSD code for collateral-free loans in Nigeria is *945*65#. Just dial *945*65# and follow the subsequent prompts to obtain your loan without collateral.
2. First City Monument Bank (FCMB) Limited
FCMB is one of the prominent financial institutions in Nigeria that is also reputable for offering loans without collateral. If you have your salary account domiciled with FCMB, then you qualify for this loan. Here is a list of the loans without collateral you can access from FCMB:
a. Fastcash Loan
FCMB FastCash is a very fast, convenient, and paperless loan facility that you can obtain without providing any collateral. This loan is meant to cover your emergencies and pressing needs. It is one of the quick loans without collateral in Nigeria that FCMB has provided for the average Nigerian citizen seeking to make ends meet. You can apply for the FastCash loan by FCMB through the USSD code, *329#. Dial this code to get started.
b. Auto Loan
The Auto Loan is a customer loan scheme which gives eligible customers access to part finance for the acquisition of automobiles for their personal use. If your salary account is domiciled with FCMB and your creditworthiness meets the specified cut-off, you can apply for an auto loan and pay it back over time. With this package, your dream car is just one step ahead of you.
c. Salary Top-Up Loan
As the name implies, the Salary Plus Loan is an FCMB credit system that is available to only salary account holders. Through this credit scheme, salary earners can get access to either short or medium-term loan structures, which can be used to offset pressing financial needs.
d. Premium Salary Loan
Premium Salary Plus loan is a loan credit facility that provides confirmed staff of reputable commercial organizations in Nigeria with a considerable amount of funds. Note that to qualify for this loan, the organization you work with must have been duly rated on Moody’s with at least A- rating. Also, you must earn at least N100,000.00 every month.
You can get the FCMB quick loan without any collateral by dialling the USSD code *329*11#. Ensure that you dial it with the number linked to your FCMB bank account.
Exciting Read: Top 10 Online Loans With Monthly Payments in Nigeria
3. Zenith Bank
Zenith Bank in Nigeria is reputable for offering a wide range of collateral-free loans, especially for customers who have their salary accounts domiciled in the bank. They have various options for collateral-free loans, such as SME Loans, Overdrafts, and Receivable Discounting.
If you meet the basic requirements of having your salary account domiciled at Zenith Bank, just dial *966*11# from the phone number linked to your Zenith bank Account to get access to the Eazy loan package. As for other kinds of collateral-free loans, just visit the nearest Zenith bank around you and ask how to go about applying for them. Generally, collateral-free loans from Zenith Bank have a loan tenor of about twelve months.
4. Stanbic IBTC
Stanbic IBTC is another reputable bank quick loan without collateral in Nigeria. The best part of Stanbic IBTC bank is that it permits Nigerians to borrow loans without having their salary account domiciled with them.
With the EZCash loan product by Stanbic IBTC, you can access instant loans ranging from 20,000 Naira to 7,500,000 Naira with an interest rate as low as 3% per month. The loan tenor for the EZCash varies between one to five years, depending on the specific amount of loan you borrowed. During this period, you have to pay the bank in instalments until you pay off the loan completely. You can access the EZCash loan by simply dialling *909*44# on the SIM linked to your Stanbic IBTC bank account
5. Fidelity Bank
With decades of experience in the banking field, Fidelity Bank is definitely a sure bet when it comes to borrowing loans without collateral. Some of the most popular collateral-free loan packages are:
a. Personal loan
Fidelity Bank personal loan is a salary-based personal loan that is designed for people in private and public organizations who have their salary accounts domiciled with Fidelity Bank.
b. Fidelity NYSC loan
The Fidelity NYSC loan was specially designed for serving members of the National Youth Service Corps (NYSC). As a Corps member, you can apply for this product and get instant loans disbursed into your NYSC account in no time.
c. Payday loan
The Payday loan is specially created for salary earners who have their account domiciled with Fidelity Bank. You can borrow a PayDay loan at any time and the debt will automatically be deducted when you receive your salary.
d. Fidelity Easy Asset Leasing Scheme (FEALS)
FEALS is a loan package meant for business owners who desire to purchase valuable assets for either business or personal use.
e. Fidelity Loan on Account TurnOver (FLOAT)
The Fidelity Loan On Account Turnover (also called FLOAT) is an instant loan package that is specifically designed for active account holders who already have existing solid banking relationships with Fidelity Bank.
To get any of the Fidelity loans without collateral, just dial the code * 770*08# with the SIM linked to your account and follow the prompt.
6. United Bank of Africa (UBA)
Over the years, UBA has shown its unwavering commitment to providing Nigerian citizens with banking services. One of their most exciting offers is their collateral-free loans with low interest, easy repayment tenor, and a very simple application process.
With the UBA Personal loan product, you can access within the range of N200,000 to N30,000,000 within less than 5 minutes. The loan tenor for collateral-free UBA loans varies between 1- 60 months. If you are a salary earner whose account is domiciled in UBA bank. There are four ways to access collateral-free loans on UBA. They include:
a. USSD code
The UBA Bank USSD code for borrowing instant loans is *919*28#. Just dial the code with the SIM linked to your UBA account and follow the subsequent prompt to get a collateral-free and short-term loan from the bank.
b. Through Leo Virtual Assistant
You can also Send “Loan” to Leo on Instagram, Apple messages, WhatsApp, Facebook Messenger or even Google Business Chat.
c. UBA mobile app
Another way to access a collateral-free loan from UBA is through their mobile app. Just sign into the app and tap on “Credit” to get a list of all the loans that UBA has to offer.
d. Physical bank branch
The last method you can use to obtain a collateral-free loan from UBA bank is by visiting the nearest UBA bank branch to make enquiries about their loan products.
7. First Bank
As the oldest bank in the country, it is unsurprising that First Bank is another prominent bank that offers you quick loans without collateral in Nigeria. Their product, FirstCredit, is a fast and easy service that offers you up to 300,000 Naira in less than 20 minutes. The best part is that you can access this loan without visiting any First Bank branch. You can access the FirstCredit loan by simply dialling *894# and then following the steps below:
- Select 3. Loans
- Select 1. FirstCredit
- Select your account number
- Select 1 to give consent
- Select your desired loan amount
- Enter your USSD 5-digit PIN
The maximum tenor for the FirstCredit loan is 30 days. However, you can decide if you want to pay back the loan before 30 days. But no repayment must exceed 30 days.
8. Access Bank
You can never go wrong with Access Bank loans. This bank doesn’t just provide you with regular loans, but also fast loans without collateral, such as the PayDay loan. This offer allows you to borrow low-interest and collateral-free loans from Access Bank at your convenience. You can borrow up to 1 million Naira or at most 75% of your monthly salary from this product. All you need to be eligible for this product is to ensure that your salary account is domiciled with Access Bank.
You can get fast access to an instant loan by simply dialling *901*11#, *426*11# or by using Access Bank’s Internet Banking option. You can also use WhatsApp Banking, Access Mobile App and even the QuickBucks App. To get access to any 24/7 service which does not require you to make any visit to the bank, as the application is done from the comfort of your home.
9. GTBank
The GTBank Quick Credit is the collateral-free loan option from GTBank that is very easy and super quick to get. If you are a salary earner whose account is domiciled with GTBank, then you are qualified now to get the cash you need and pay it back in instalments up to 12 months. With the QuickCredit loan option, you can access funds of up to N5 million at an interest rate of 2.0% monthly with no hidden charges.
You will your loan to your GT bank account within just two hours of the application approval, without any collateral. To borrow up to N5 Million instantly with the GTBank Quick credit loan, dial *737*51*51# from the SIM linked to your bank account.
10. Polaris Bank
If your salary account is domiciled with Polaris Bank, you have access to obtain collateral-free personal loans at any time. The personal loan product by Polaris Bank permits you to borrow millions of Naira depending on your creditworthiness. Here’s how you can apply this collateral-free loan:
- Visit any the Bank branch closest to you to obtain and complete the personal loan application form
- Submit the completed loan application form together with all relevant loan documents.
- Your loan is processed and disbursed by your Polaris officer within 48 hours.
Alternatively, you can:
- Call YES CENTER on 0700-POLARISBANK (070075932265), 08069880000, 01-4482100 or 01-2705850.
- Call your account relationship officer.
- Apply for the loan on the VULTe app.
Lastly, you can decide to use the USSD code to borrow the loan. Just dial *833*4*4# from the SIM linked to your Polaris Bank account to get started. No equity contribution is needed.
11. Sterling Bank
With the SME Exclusive loan product by Sterling Bank, small and medium-scale entrepreneurs can get access to up to 5 million Naira in less than 5 minutes with no collateral needed. As for salary earners, the Specta loan product caters to their financial needs by providing collateral-free loans. Salary earners also get up to 5,000,000 Naira in 5 minutes depending on their creditworthiness.
Visit the official Specta platform to get started with your loan application.
As a Sterling Bank customer, you can access basic financial services without any collateral by just dialling *822# and following the prompt for loans. Alternatively, you can visit the nearest Sterling Bank branch around you.
13. Eco Bank
If you are faced with an emergency financial need and want to access collateral-free loans as a salary earner whose account is domiciled with Eco Bank, then the Advance Facility is the suitable product for you. With the Advance Facility, you can get up to 50% of your salary as a loan.
Also, another collateral-free loan product is the Salary Advance loan product which offers you up to 40% of your salary within 5 minutes. To access any of Eco Bank’s collateral-free loan products, dial *822# using the SIM card linked to your Eco Bank account. Follow the prompt for “loans” after dialling the code.
14. Keystone Bank
If your salary account is domiciled with KeyStone Bank, then you can access their personal loan product without any collateral. Essentially, this product offers you up to 10 million Naira, with a repayment tenor of 36 months. The exact amount of loan you can access is based on your monthly income. Other collateral-free loans that salary earners can access include:
a. Auto loan
As the name implies, the auto loan is a loan for people who desire to purchase their dream cars but don’t have the lump sum to fully pay for it.
b. Device financing facility
The device financing facility is a soft unsecured loan that you can obtain to buy a smartphone or gadget that you need, either for personal or business use.
c. Asset financing facility
The asset financing facility is a loan that you can take to fund the purchase of an asset that you need for your business. For instance, if you are in the laundry business and need to buy a washing machine, you can apply for this loan.
To get access to any of the loan products offered by Keystone Bank, complete the Keystone Bank loan application form and submit it. A customer care representative will contact you after that.
15. Unity Bank
If your salary account is domiciled with Unity Bank, you are qualified to access the Salary Advance and Salary Backed Loans, which don’t require you to provide any collateral. Just dial *7799# from the SIM card registered with Unity Bank and follow the prompt to get started with your loan.
What do Banks Check Before Giving a Loan?
Most banks in Nigeria start assessing you by checking your credit rating and history to determine your overall creditworthiness. They will rate you based on this to determine if you are eligible for a loan and the amount they have to offer you. Also, some banks will consider factors like your occupation, salary, assets (if any) and net worth. The precise parameters that the bank will consider vary depending on the bank.
Generally, commercial banks in Nigeria will rate your creditworthiness based on the past transactions executed through your account domiciled with them. On the other hand, loan apps in Nigeria generally request your BVN when you want to borrow a loan from them. Your BVN will be used to assess all your financial information to determine your creditworthiness.
How Do I Know If I Qualify For a Loan?
The criteria or requirements that make you eligible for a loan vary depending on the kind of loan package you want to apply for. Nonetheless, you can find a list of all the eligibility requirements on the lender’s website. Just visit the website or platform of your potential lender and search for the eligibility requirements of your loan pack. If you meet all the requirements, you are free to apply for the loan.
How do I Convince Banks to Give Me a Loan?
There is no way you can convince a bank to give you a loan. This is because all loan products have some minimum eligibility requirements/conditions that you must meet for your application to be successful. If you don’t meet the eligibility criteria, then you have to provide collateral or a high net worth guarantor before you can convince a bank in Nigeria to give you a loan.
Where Can I Borrow Money Urgently In Nigeria?
The best place to borrow money urgently in Nigeria is through a CBN-approved loan application. Essentially, these platforms give you access to instant loans in less than 20 minutes. So if your situation is urgent, it is better to borrow money from a loan app. We’ve provided a list of some of the best loan apps in Nigeria that you can download and use to apply for loans.
How Can I Get Instant Loan In 5 Minutes In Nigeria?
You can get an instant loan in 5 minutes via any loan app in Nigeria. All you have to do is download the app, sign up on it with your details to create an account, and then apply for your loan. Most of these apps will disburse the amount of loan you apply for in 5 minutes if your application is successful.
What Is the Best Loan App to Use In Nigeria?
The best loan app to use in Nigeria depends on what you want. While some people may prefer a loan app because it offers competitive interest rates, others may prefer another app because it disburses loans very fast. Nonetheless, the authorized loan apps with a high rating on Google PlayStore includes:
You can compare any of the loan apps listed above while assessing their interest rates, disbursement time, as well as their terms and conditions to see the best fit for you.
Bottom Line
It is easy to get access to quick loans without collateral in Nigeria if you have a smartphone and an active internet connection. All you have to do is download the lending app on your smartphone and start applying for the loan. Alternatively, you can request for quick loans from your bank through the app or USSD code. When it comes to obtaining loans in Nigeria, you can never run out of options as long as you have a good credit score and a source of stable income that will help you repay the debt on time.
