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Home Loan Review Loan App Without ATM card In Nigeria (2023)

Loan App Without ATM card In Nigeria (2023)

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If are you looking for a Loan app without an ATM card in Nigeria then you are in the right place as we list them as updated in 2023.

This list contains Loan apps without ATM cards in Nigeria in 2023. These loan apps online offer instant cash advances for self-employed individuals, as well as business proprietors in Nigeria.

There are several complaints made by Nigerians concerning loan sharks and lending apps illicitly withdrawing money due to the stored ATM cards in their systems. Other lenders require security deposits taken directly from the customers’ ATM cards before loan approval and then do not loan the funds. We have therefore that we could identify the top 10 loan apps with ATM cards that are not available in Nigeria.

These Loan apps without ATM cards give customers the leverage that fake loan apps by deducting money directly from their bank accounts.


The current economic crisis and the resulting business crisis across the country have made paying your financial obligations extremely difficult, without access to instant cash loans in times of emergency when you require these, particularly when your payday is far away. We now offer Nigerians the most popular loan apps which can grant instant credit on loans for them with no ATM. These lending apps have good reputations, but they do not pose any threat to their borrowers.

Loan app without ATM card

Loan app without ATM card in Nigeria 2023

Check out our list below of the most popular Loan app without ATM card 2023. Following each review are the hyperlinks to the apps available on the Google Play Store and in some cases on the App Store for iOS users, as well as on the official websites of the platforms.

  1. Applicable to branch loans
  2. Aella loan app
  3. Quick Credit loan app
  4. FairMoney loan application
  5. Umba loan app
  6. Renmoney Loan App
  7. OKash app for loan
  8. GTB Quick Credit loan application
  9. Cash in Minutes loan application
  10. Quick Check app for loans

1. Branch Loan App

The branch is the most renowned digital lending app that is designed for personal and business finances and the first app on our listing of loan applications that do not require an ATM card. The branch makes it simple for those living in Nigeria to obtain a quick loan of up to N500,000 with no ATM card. In addition, it allows you to transfer money at no cost, and also get investment returns of 20% per year.

Branch operates offices located in Nairobi, Kenya; Lagos, Nigeria; Mumbai, India and San Francisco, United States At present Branch is in operation with offices in India, Kenya, Tanzania, and Nigeria.

As of now, Branch does not provide support via telephone or in person. Customers are asked to contact them through the app at any time, and they promise to assist in resolving any issue they may face.

Features of Branch

The digital lending process at Branch has been designed to suit the requirements of the borrower and aid the borrower increase their credit score. When you earn credit through Branch it will allow you to access larger loans. In contrast to other loan applications, Branch doesn’t make you go through hoops or complete forms, and, like we said you don’t need to present an ATM card. Apply through the Branch application and you will be approved in less than 24 hours.

No hidden fees, no surprises

The Branch Loan app does not charge late or rollover fees and doesn’t place restrictions on how you use your money. Their customer service is available all hours of the day, per the application.

What Is Required To Receive A Branch Loan?

All you need to do is your phone number, Facebook account Bank verification numbers (BVN), and the number of your bank account. They’ll also ask for access to your data on your phone to increase your credit rating.

To read more about Branch loan details, CLICK HERE.

To download the application from the Google Play Store and apply for a loan in a flash, CLICK HERE.

2. Aella Credit Loan App

Aella Credit is a leading digital lender and is one of the few loan applications in Nigeria in 2023 that will allow credit with no ATM card information submission. With this application, it shouldn’t be a problem to get loans that are quick and get cash on the spot to yourself or your company. It shouldn’t be too difficult to obtain a loan to invest in, improve your production capacity, pay bills, and gain more money to fund your company. With Aella All this is readily available with a snap of your finger.

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Aella says that according to Aella, “You deserve simple basic products that perform, and make it easy for anyone to take out loans, invest, pay, and even protect their health.

How Aella Credit Loan App Works

1. Download Aella digital lending app

Get the Aella Credit application from the Google Play Store or IOS App Store.

2. Create an account

Just fill in your information in under an hour and send it to us for a quick and easy review.

3. Update your profile

Update your profile by giving answers to questions that are quick about your details.

4. Check Eligibility

Select the “Check Eligibility” button to find out the amount you’re eligible for within a few seconds.

5. Request a loan

The loans will be transferred to the account you have provided in no more than 5 mins.

6. You can receive funds from your bank account

You can repay loans through the app or directly to your bank account that you have set up. Improve your credit score so that you can allow you to get more favorable loans.

You can download the Aella application on Google Play Store by clicking here.

You can download the Aella application on the App Store by clicking here.

To read more about Aella Credit, CLICK HERE.

3. Quick Credit Loan App

“Quick Credit is a loan application available on Google Play and designed to offer Nigerian, customers on mobiles simple loans ranging from N1,500 up to N50,000. It is not necessary to use an ATM CARD to get a Quick Credit loan.

Through simple steps and only the minimum of documentation, applicants can obtain loan products that meet their requirements that are 100% online. Once the loan is approved, the amount will be transferred immediately to the borrower’s account in the bank.

You can download the Quick Credit loan app on Google Play Store by clicking here.

For the application to download in the Apple Store to iOS phones, CLICK HERE.

4. FairMoney Loan App

FairMoney is a top online lender and is among the few loan apps that don’t require an ATM card that can provide credits to customers immediately after an application has been accepted. It also functions as an important online bank for Nigeria.

In the past four years, more than three million customers have used FairMoney for loans that are quick and easy online.

The loan amounts vary from N1,500 and N1,000,000, with terms ranging from 61 days to 18 months, with monthly rates of interest that vary between 2.5 percent to 30 percent (APRs between 30% and 260 percent)

Amount of loan ranging from N1,500 to N1,000,000
The repayment period ranges between 61 days and 18 months
APR ranging from 30 to 260%
Interest reductions of up to 90% on early repayments
No hidden fees

Today, the FairMoney application isn’t an app for loans. The platform is also a Microfinance bank that is certified through the Central Bank of Nigeria. Therefore, all of your deposits are protected by NDIC. Nigeria Deposit Insurance Corporation (NDIC).

With the FairMoney app, you can:
Create an account number, and then use that to get cash from anyone within Nigeria
– Transfer money into your account
Transfer cash to any account of your choice for free
Apply for credit and receive it in a matter of minutes
– Make sure you pay your bills

The FairMoney app can be downloaded FairMoney application from the Google Play Store by clicking here

To visit the FairMoney site Click HERE.

5. Umba Loan App

Umba is another Loan app without an ATM card that permits users to make applications, drawdowns and pay back loans from their desktop or smartphone with no ATM Card. After an individual has been authenticated and verified by the loan platform, it will make lending decisions that are determined by the risk rating assigned to them.

The Umba app is available on the Google Play Store and doesn’t need any collateral or documents to get its loan.

1. Create an account
2. Apply in just a few seconds
3. Receive an Umba Loan
4. The loan limit will be increased each time you pay back a loan on the date

1. Umba quick loans put you in charge of your financial situation. The Umba application lets you apply for credit wherever you are and it is accessible 24/7.
2. No papers, collateral, or office visits are required.
3. You can make use of Umba loans to use your Umba loan to transfer cash directly to an M-Pesa bank account for merchants, and utility companies.
4. There are no late or rollover fees.
5. You can access larger loans, with lower fees, and flexible terms for repayment when you pay back
6. Loans are approved, and funds are disbursed in a short time

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To download the Umba app from Google Play Store, Click HERE.


Renmoney is among the Loan app without an ATM card. The online lender is run by a group of technologists and finance professionals who are dedicated to making financial inclusion a reality in Nigeria.

Renmoney’s digital platform claims to as Nigeria’s best company that provides exceptional service for its customers. It does not harass or threaten its customers, and the customer service they provide is exceptional.

With Renmoney you can get a loan that is convenient to help you meet your needs, such as expanding your small-scale business, remodeling your home, purchasing new cars, and paying school fees, rent, and medical expenses, among others.

To apply for their Renmoney Quick Loan, click here

It is possible to download Renmoney digital lending app from the Google Play Store by clicking here.

For more information regarding Renmoney click here.

7. OKash Loan App

Okash is among the most well-known loan applications that do not require an ATM card in Nigeria in 2022. It offers the user access to credit at any time and anywhere in the country.

Okash platform is a great option for Nigeria mobile users and is run through Blue Ridge Microfinance Bank Limited. OKash provides customers with their requirements for finance completely online. The process of applying for a loan is just several steps and requires only documents and the amount of the loan is transferred to the bank account of the applicant.

Loan Products:
Tenure: Repayments range from 91 days up to one year.

The amount of the loan ranges from NGN 3000 to NGN 500 000.

Interest Rate: A minimum of 0.1 percent to up to 1 percent

The interest rates are calculated daily. Annual interest rates range from 36.5 percent to 360 percent.

Origination Fee: From NGN 1,229 to NGN 6,600 for one-time charges

Why OKash?
1. You can obtain a loan using your credit. You don’t require any security or deposits.
2. Up to NGN500,000. Transfer funds to your bank account.
3. Paperless and digital processes using your smartphone. The whole process can be performed online.
4. We don’t give your information to any third parties without your approval. Your data is secure with us.
5. Don’t fret about forgetting to pay your bill. We’ll send reminders to you.

How does it work?
1. Download the OKash APP from the Play Store.
2. Sign up for an account.
3. Select the item you’d like to apply to.
4. Complete your basic details Then, apply.
5. After submitting your application after which you will be contacted for verification. The final result of your application will be displayed on your APP after which you’ll get notified by SMS if the application is accepted.
6. The loan agreement must be electronically signed after approval.
7. Following the E-sign the loan amount that you have approved will be transferred to your account in the next few days and an SMS will be sent to you.

1. Nigeria Resident.
2. Between 20 and 55 years old.
3. A source of monthly income.

Customer Service Contact Email: f1******323@2***3.com
Customer Service Hotline: (+234)08097755512,08097755514
Address: Room 301, Japaul House, Plot 8 Dr. Nurudeen Olowopopo Way, Central Business District, Ikeja, Lagos, Nigeria

The app can be downloaded Okash app from Google Play Store by clicking here

8. GTB Quick Credit

Gtbank Quick Credit is the digital lending platform for the bank. Customers can apply for loans and receive cash in a matter of minutes between N10,000 and N5 million. It’s one of the many loans that are available without ATM cards. No matter if you’re a wage-earning individual or a self-employed person, you could receive the money you require quickly, and then pay it back over 6 to 12 months thanks to the Quick Credit loan program. You don’t need a collateral or guarantor, nor do you have to supply the details of your ATM Card details

GTB Quick Credit gives you the funds to N5 million at the rate of 1.5 percent per month and is free of hidden fees.


Up to N500,000 – 5 Million
A simple repayment plan that spreads over 6 to 12 months.
At a rate of 1.5 percent per month.

You can apply for QuickCredit immediately by calling *737*51*51#
QuickCredit is accessible on all GTBank mobile and online platforms for banking (Internet Banking, GTWorld, and GTBank Mobile App)

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Customers must make at least a minimum per month of N20,000 or earn a minimum monthly net income of N10,000.
Customersomer should not have any history of cheques that were not paid.
Customers must have good credit ratings
The customer must not have any outstanding obligations


1. What is QuickCredit?
QuickCredit is a loan for time available to Salary as well as non-salary account holders.

2. How much is the minimal amount for a loan?

3. How much is the max amount of a loan?
N5 million for salaried workers and N500,000 for non-salary earners.

4. What is the maximum tenor that can be used for QuickCredit?
6-12 months

5. What rate of interest will I pay if I sign up for QuickCredit?
1.5% per month

6. What are the additional fees to be paid for QuickCredit?
No hidden charges. No Management Fee.

7. How do I get access to this QuickCredit loan?
Internet Banking
Mobile Banking App

8. Is there a minimum or maximum age at which you can be eligible?
The applicant should be under 18 years of age on the date of the loan application. Likewise, they must not be more than 59 years old on the date of loan maturation.

9. What happens if I already have a loan with another bank on the Remita platform Can I still make an application for QuickCredit?
Yes, you can

10. How long will it take to gain access to QuickCredit?
Quick Credit will be available upon successful completion of the application.

To learn more about GTB Quick Credit, Click HERE.

9. Money in Minutes Loan App

Money in Minutes is one of our most popular Loan apps without an ATM card. The app is run through MIM Finance Company, a loan platform originating from the UK that operates on three (3) continents, and Nigeria’s first Credit Membership that provides instant cash.

The company code is MIM Finance Company has been helping people and businesses for more than two decades (20) years with its fast online loans and other business assistance.

With more than $10 billion disbursed in the past two decades In Minutes In Minutes is in a position to aid both businesses and individuals to expand. According to the organization: “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 offers a broad range of products that allow you to get affordable financing for a variety of needs and objectives.

MIM offers loans with a quick repayment time of N25,000 to N2m with interest rates of 4 to 30%.

Access to low-cost financing in a matter of minutes.

If you’d like to apply for a Cash In Minutes Loan, click here

10. QuickCheck Loan App

QuickCheck is a fast loan app that utilizes machine learning to anticipate the behavior of the borrower and immediately examine loans. It is also one of the few loan applications that do not require an ATM card in Nigeria. The company’s goal is to provide digital financial services to assist individuals to achieve their business and personal goals.

How to Get Cash in minutes through QuickCheck.

Create a Profile
Download the app for no cost,
Register for an account

If you’re eligible for the program, your money will be deposited within a matter of minutes.
Transfer monto y to yours.

How Do I Apply? Apply for credit and you will be approved.

All applications have to be finished by using your Android device. You can start with the QuickCheck application through Google’s Play Store. After installing the app, sign in using your Facebook username and email, and complete the fields provided correctly.

Who Is Eligible To Apply?
Nigerian adults with a high credit score. We offer our services anywhere in Nigeria provided you’re eligible and have an Android device.

Do I qualify for A loan on my computer or other devices that run on OS?
The QuickCheck application is only available for Android devices at the moment. However, if we launch the app on other operating systems, we will inform the public.

If you want to apply on the internet, download the application to the Google Play store by clicking here.

To visit the Quick Check site, CLICK HERE


Which app allows loans without an ATM?

These are the applications that allow loans without ATMs within Nigeria:

  1. Applicable to branch loans
  2. Aella loan app
  3. Quick Credit loan app
  4. FairMoney loan application
  5. Umba loan app
  6. Renmoney Loan App
  7. OKash app for loan
  8. GTB Quick Credit loan application
  9. Cash in Minutes loan application
  10. Quick Check app for loans
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