How To Get Loan On Apps Without ATM Card


QUICK LOAN ARENA brings you the list of 10 best loan apps without ATM card in Nigeria for 2023. These digital lending apps provide instant cash offers for both for individuals, self employed and business owners in Nigeria.

There have been a lot of complaints from Nigerians about lending apps and loan sharks illegally withdrawing their money due to stored ATM cards on their system. Some others demand for security deposit taken directly from customers’ ATM cards before loan approval and eventually do not borrow them the money. Therefore we have thought it deemed to identify the 10 best loan apps without ATM Cards in Nigeria.

The prevailing economic downturn and business meltdown nationwide have made meeting financial obligations overwhelmingly difficult without getting instant cash lending for emergencies when you need them, especially when payday is still far away. However we now bring Nigerians the top 10 loan apps that can approve instant loan credit for them, without ATM card. These lending apps come with reputation but without shame or threat to their borrowers.


Top Loan Apps Without ATM Card In Nigeria

See below our list of best 10 loan apps without ATM Card in Nigeria 2023. Included after each review are the links to the apps on Google Play Store and in some cases on apps store for iOS users and website of the platforms.


• Branch loan app

• Aella loan app

• Quick Credit loan app

• Fair Money loan app

• Umba loan app

• Renmoney loan app

• OKash loan app

• GTB Quick Credit loan app

•  Money in Minutes loan app

• Quick Check loan app



1. Branch Loan App

Branch is the world’s leading digital lending app for personal and business finance and the first on our list of loan apps without ATM card. Branch app makes it easy for people in Nigeria to get quick loan up to ₦500,000 without ATM card, in addition helps to transfer money for free, and enjoy investment yields of 20% per annum.

Branch has offices in Nairobi, Kenya; Lagos, Nigeria; Mumbai, India; and San Francisco, United States, though at the moment, it operates in India, Kenya, Tanzania, and Nigeria.

At the moment, Branch do not provide customer support by phone number or in person. They request customers to send them a message via the app any time, and promises to help resolve whatever issue such people may have.


Features Of Branch

Digital lending process of Branch is designed to fit the needs of the borrower and help him or her grow. As you build credit with Branch, you unlock larger lending amounts. Unlike other loan apps, Branch don’t make you jump through hoops or fill out paperwork and like we said, you dont need to supply your ATM card. Simply apply through the Branch app and get approved in under 24 hours.


No Hidden Fees, No Surprises

Branch loan app doesn’t charge late fees or rollover fees, nor put restrictions on how you spend your money, and their customer support team is available 24/7, according to the app.


What Is Required To Receive A Branch Loan?

Requirements are simple – all you need to apply is your phone number or Facebook account, bank verification number (BVN) and bank account number. They will also request access to the data on your phone in order to build your credit score.


2. Aella Credit Loan App

Aella Credit is a leading digital lender and one of the few loan apps in Nigeria in 2023 that give credit without ATM card details submission. With this app, it shouldn’t be difficult to borrow quick loans and get instant cash for yourself or for your business. It shouldn’t also be difficult to get loan to invest, increase productive capacity, pay bills, and get more working capital for your business. With Aella, all these are available at the snap of your fingers.

According to Aella, “you deserve simple, straightforward products that actually work, adding that they make it super easy for anyone to borrow, invest, make payments, and insure their health.

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How Aella Credit Loan App Works

1. Download Aella digital lending app

Download the Aella Credit app from Google Play Store or IOS App Store.

2. Create your account

Simply fill out your details in less than a minute and submit for a quick review.

3. Update your profile

Update your profile by providing answers to quick questions about you.

4. Check Eligibility

Click the “Check Eligibility” button to see the amount of loan you are eligible to borrow in seconds.

5. Apply for loan

Loans will be sent to your provided account in 5 minutes or less.

6. Receive funds in your Bank Account

Loans can be repaid via the App or directly to your personalized bank account. Build your credit score to qualify for higher loans.



3. Quick Credit Loan App

Quick Credit is a loan app hosted on google play and set up to provide Nigeria mobile users with convenient lending services between N1,500 toN50,000. You do not require an ATM CARD to apply for Quick Credit loan.

With simple steps and minimal documentation, users can get qualified loan products which is 100% online process. Once approved, the loan amount will be immediately transferred to the applicant’ s bank account.


4. FairMoney Loan App

FairMoney is a top digital lender and one of the few loan apps without ATM card that gives out credit to customers instantly once application is approved. It also serves as a leading digital bank in Nigeria.

In the last four years, over 3 million customers have patronised FairMoney for quick online loans.

Loan amounts range between ₦1,500 to ₦1,000,000 with repayment periods from 61 days to 18 months at monthly interest rates that range from 2.5% to 30% (APRs from 30% to 260%)



Loan amount from ₦1,500 to ₦1,000,000

Repayment periods from 61 days to 18 months

APR from 30% to 260% per annum

Interest discounts of up to 90% for early repayments

No hidden fees

Now, the FairMoney app is more than just a loan app. The platform owns a Microfinance bank that is duly licensed by the Central Bank of Nigeria. As such, all your deposits are insured with the Nigeria Deposit Insurance Corporation (NDIC).


With The FairMoney App, you can:

– Get an account number and use it to receive money from anyone in Nigeria

– Add money to your account

– Send money to any bank account for FREE

– Apply for loan and receive it instantly

– Pay your bills


5. Umba Loan App

Umba is another loan app in Nigeria 2023 that allows users to apply, drawdown and repay loans directly from their smartphone or desktop computer without ATM Card. Once an individual is verified, the loan platform says it can make lending decisions which are based on an assigned risk rating.

Umba app is hosted on google play store and it does not require any collateral or documentation to access its quick loan.



1. Create your account

2. Apply in seconds

3. Receive an Umba Loan

4. Increase your loan limit every time you repay a loan on time



1. Umba quick loan puts you in control of your finances. The Umba app lets you apply for credit on the go and it works 24/7.

2. No paperwork, collateral or office visits needed

3. You can use your Umba loan to send money directly to your M-Pesa account, to merchants, or utility providers

4. No late charges or rollover fees

5. Get access to bigger loans, lower fees, and flexible payment terms as you repay

6. Loans are approved and disbursed quickly



Renmoney is one of our list of top 10 loan apps without ATM CARD in Nigeria 2023. The digital lender is managed by a group of technology and finance enthusiasts who are passionate about making financial inclusion count in Nigeria.

Renmoney digital platform claims to be Nigeria’s most convenient lending quick loan company – delivering outstanding service experiences to its customers. It does not harrass nor threaten its customers and its customer service support is excellent.

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With Renmoney, you can apply for a convenient loan to meet needs like growing your small business, renovating your home, buying a new car, paying rent, school fees, medical bills, etc.


7. OKash Loan App

Okash is one of the popular loan apps without ATM Card in Nigeria 2023 and it gives you easy access credit anytime, anywhere nationwide.

Okash platform is convenient for Nigeria mobile users and it’s managed by Blue Ridge Microfinance Bank Limited. OKash fulfills customers’ financial needs completely online 24/7. The application process takes just a few steps with minimal documentation and the approved loan amount is transferred to the applicant’s bank account


Loan Products:

Tenure: Repayment ranges from 91 days to 365 days.

Loan Amount: from NGN 3,000 to NGN 500,000.

Interest Rate: With a minimum of 0.1% up to 1%

Their interest rate is calculated on a daily basis. Annual interest rates from 36.5% to 360%.


Origination Fee: Range from NGN 1,229 – NGN 6,000 for a one-time charge


Why OKash?

1.You can apply a loan by your credit. Don’t need any deposits or guarantees.

2. Up to NGN500,000. Disburse to your bank account.

3.Paperless and digital process on your mobile. All the steps can be done online.

4.We do not share your data with any third parties without your consent. Your data is totally safe with us.

5.Don’t worry about forgetting repayment. We’ll send messages to remind you.


How it works?

1. Install the OKash APP from the Play Store.

2. Register an account.

3. Select the product you would like to apply for.

4. Fill out your basic information, then submit the application.

5. After the submission, you may receive a call for verification. The final application result will be shown in the APP and you will be informed by SMS if approved.

6. E-sign the loan agreement after the approval.

7. After the E-sign, the approved loan amount will be disbursed into your account shortly and a SMS notification will be sent.



1. Nigeria Resident.

2. 20-55 years old.

3. Source of a monthly income.



Customer Service Email:

Customer Service Hotline: (+234)08097755512,08097755514

Address: Room 301, Japaul House, Plot 8 Dr. Nurudeen Olowopopo Way, Central Business District, Ikeja, Lagos, Nigeria


8. GTB Quick Credit

Gtbank Quick Credit is the digital lending platform of the bank where account holders can apply for loan and get an instant cash between N10,000 and N5million. It’s one of the numerous loan apps without ATM Card. Whether you are a salary earner or self-employed, you can get the cash you need instantly, and pay back over 6 – 12 months courtesy of Quick Credit loan scheme. And you dont need any guarantor or collateral neither do you need to submit your ATM Card details.

GTB Quick Credit gives you funds up to N5million at an interest rate of 1.5% monthly and it has no hidden charges.



Up to N500,000 – 5 Million

Convenient repayment plan spread over 6 – 12 months.

At an interest rate of 1.5% per month



You can request for QuickCredit instantly by dialling *737*51*51#

QuickCredit is also available on all GTBank online and mobile banking platforms (Internet Banking, GTWorld and GTBank Mobile App)



Customer must maintain a minimum monthly lodgement of N20,000 or earn a minimum net monthly salary of N10,000

Customer must not have any history of dud cheques

Customer must have satisfactory credit reports

Customer must not have any unpaid obligations



1. What is QuickCredit?

QuickCredit is a time loan accessible to Salary and non- salary account holders.

2. What is the minimum loan amount?


3. What is the maximum loan amount?

N5million for salary earners and N500,000 for non-salary earners.

4. What is the maximum tenor for QuickCredit?

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6 – 12 months.

5. What interest rate will I be paying if I use/apply for QuickCredit?

1.5% per month.

6. What are the other fees to be paid on QuickCredit?

No hidden charges. No Management Fee.

7. How can I access the QuickCredit loan?


Internet Banking

Mobile Banking App

8. Is there a minimum and maximum age for eligibility?

Yes, applicant must not be less than 18 years at loan application date and should not be older than 59 years at loan maturity date.

9. What if I have an existing loan with other banks on Remita platform, can I still apply for QuickCredit?

Yes, you can

10. How long does it take to access QuickCredit?

Quick Credit will be availed immediately after a successful application.



9. Money In Minutes Loan App

Money In Minutes is one of our best loan apps without ATM card and the platform is managed by MIM Finance Company, a UK-originated lending platform with presence across three (3) continents and Nigeria’s 1st Credit Membership that gives instant cash.

The organization code named MIM Finance Company has been enabling lives and businesses for over twenty (20) years now by its quick online loans and other related business support.

With over $10 Billion disbursed over the last two decades, Money In Minutes is in a position to help individuals and businesses to grow. According to the company: “Affordable and stress-free finance shouldn’t be for the privileged few but for ambitious and hardworking citizens that can demonstrate the ability to afford repayments.”

The platform has a robust and wide range of products to help you access affordable finance for various needs and purposes.


MIM gives quick loans from ₦25,000 – ₦2m at interest rates between 4% to 30%


Quick access to affordable finance in minutes.


10. QuickCheck Loan App

QuickCheck is a quick loan app that uses machine learning to predict borrower’s behaviour and instantly evaluate loan applications. In addition, it is among the few loan apps without ATM card in Nigeria. The company aims at offering digital financial services to help people get closer to their personal and business goals.


How To Get Cash In Minutes From QuickCheck.

Create a Profile

Download the app for free,

Sign up for an account


If you qualify, your cash will be disbursed within minutes

to your bank account.


How Do I Apply? Apply and your credit


All applications MUST be completed on your android device . You can begin your application by downloading the QuickCheck app from the Google Playstore. After downloading the app, sign in with your facebook email address and password and fill the provided fields correctly.


Who Is Eligible To Apply?

Nigerian adults with good credit score. You can access our services from anywhere in Nigeria as long as you are eligible and you own an android device.


Can I Apply For A Loan on my Computer or other operating devices?

The QuickCheck app is ONLY available on android devices for now. However, if and when we launch on other operating systems we will notify the public.



Can I get loan without debit card?

Yes you can. A debit card is not mandatory condition to obtain a loan. In fact many micro-lending companies and loan apps do not require a debit card or an ATM card for loan. Once you can show that you have the capacity for repayment, either by your credit history, your present salary or your analysis of your bank statement, many of the loan apps will oblige you a loan. All the loan apps stated above will give you credit without a debit card.


Which is the best app to get instant loan in Nigeria?

Below is a list of the best apps to get instant loan in Nigeria: Please note that this rating is subject to review from time to time.


1. Branch

2. Carbon

3. Aella Credit

4. Quick Credit

5. Money in Minutes

6. FairMoney

7. Page Financials

8. Renmoney

9. Umba

10. Okash

11. QuickCheck

12. Migo

13. Zedvance

14. C24 Capital

15. GTB Quick Credit


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