Loan Without ATM Card – 10 Loan Apps in Nigeria Where You Can Borrow Money from Without Submitting your ATM Card details

If you are looking for top loan apps in Nigeria, without an ATM card, this content would give you an insight into everything you need to know, there are several complaints about some loan apps illegally taking money from people’s accounts, just because their ATM card was linked with them, when registering. Due to this, borrowers have now grown wiser, and be extremely careful when selecting a loan app to borrow from. 

Since it is now compulsory for some loan apps to request ATM card authentication before granting a loan, Many borrowers have now settled for other loan apps, without the debit card authentication feature, in order to avoid sudden and unauthorized deductions from their bank accounts, illicit acts like this are mostly known among dishonest loan apps, they can go extra miles to get their money back if there is a default, that’s why it is always advisable to borrow within your needs and not above.

For the purpose of this content, We are going to highlight 10 loan apps in Nigeria, which an individual can borrow money from, without the need of submitting ATM card details.

10 Loan Apps Without ATM Cards in Nigeria


Branch is an international financial platform and digital bank operating in four countries, including Nigeria. It is one of the most trustworthy platforms for obtaining personal or business loans without the need for an ATM card. Through the Branch app, users can borrow up to N500,000 with an annual interest rate of 20%. The app stands out for its minimal paperwork requirements, transparent fee structure, and round-the-clock customer service availability.

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Renmoney is a prominent loan app in Nigeria that offers loans without the need for ATM cards. With a focus on convenience, Renmoney only requires your Bank Verification Number (BVN) to evaluate your loan eligibility. Managed and overseen by a team of technology and finance enthusiasts, Renmoney provides an excellent customer experience and is known for its quick loan processing. Users can apply for loans to meet various needs, including medical bills, school fees, car purchases, rent payments, and business expansion.

Aella Credit

Aella Credit is a reliable loan app in Nigeria that provides quick loans without requiring ATM card details. The platform primarily focuses on business loans, offering opportunities for business expansion, bill payments, and working capital. Additionally, Aella Credit’s app features functionalities for bill payments and health insurance, enhancing the overall financial experience for its users.

Quick Credit

Quick Credit is a loan app hosted on Google Play that caters to Nigerians seeking loans ranging from N1,500 to N50,000 without collecting ATM card details. Known for its reliability, Quick Credit offers a seamless online application process with minimal documentation requirements. The platform provides competitive interest rates and ensures prompt loan disbursement.


Umba is a prominent loan app in Nigeria that directly offers loans to its customers. Accessible via mobile phones and desktops, Umba provides a risk-based lending approach, enabling users to make informed financial decisions. This loan app eliminates the need for paperwork and collateral, while also offering flexible repayment options.


OKash Loan App is another trusted loan app in Nigeria that operates without requiring ATM cards. Users can access quick loans at any time, providing a convenient borrowing experience. Managed by Blue Ridge Microfinance Bank Limited, OKash offers a streamlined loan application process with minimal documentation. Upon approval, loans are disbursed promptly, and borrowers can enjoy repayment durations ranging from 91 days to 365 days.

Read Also: Loans for unemployed people in Nigeria


FairMoney is a leading digital bank in Nigeria, authorized and licensed by the Central Bank of Nigeria. With over three million customers served in the past four years, FairMoney stands out as a reliable loan app. Borrowers can access loans ranging from as little as NGN1,500 to as much as NGN1,000,000, with repayment durations spanning from 61 days to 18 months. FairMoney provides transparent monthly interest rates of 2.5% to 30%, equivalent to Annual Percentage Rates (APRs) ranging from 30% to 260%. The platform offers a wide range of services, including bill payments and typical banking transactions.

GTB Quick Credit

GTB Quick Credit is a digital platform managed by GT Bank, a prominent financial institution in Nigeria. To utilize GTB Quick Credit, users need to have an account with GT Bank, but they are not required to input their ATM card details. The platform allows borrowers to access loans ranging from N10,000 to N5 million. GTB Quick Credit offers a repayment duration of 6 to 12 months, with a competitive monthly interest rate of 1.5%. Collateral is not required, and the platform ensures transparency by eliminating hidden charges.


QuickCheck is a highly reliable loan platform in Nigeria that employs machine learning to evaluate customers’ creditworthiness. It is recognized as one of the top loan apps in Nigeria that does not require ATM cards. QuickCheck provides both business and personal loans. Eligibility for QuickCheck loans requires applicants to be at least 18 years old and utilize an Android phone for the application process (not compatible with Apple devices).

Money in Minutes

Money In Minutes is a prominent loan app in Nigeria that offers loans without requiring ATM cards. Managed by the MIM Finance Company, which originated in the United Kingdom and operates on three continents, Money In Minutes provides a range of services to cater to urgent financial needs. Borrowers can access loans ranging from NGN25,000 to NGN2,000,000 at competitive interest rates ranging from 4% to 30%.


What are the fake loan apps in Nigeria?

Reported fake loan apps in Nigeria includes; 9Credit, 9ja Cash, BorrowNow, Cash Mall, Cash Wallet, CashLion, Ease Cash, FastMoney, ForNaira, GGMoney, GoCash, GotCashger, GotoCash, KashKash, LCredit, LendCash, NairaPlus, NCash, Palmcash. It is crucial for lenders and consumers to exercise caution and avoid engaging with these apps to prevent potential scams.

Is Sokoloan still available?

As of the recent development, Sokoloan, along with other loan apps such as EasyMoni, Speedy Choice, and KashKash, has been removed from the Google Play store.  Users should be cautious about engaging with these apps or any other unofficial sources to avoid potential risks or scams.

Can a 15 year old get a BVN?

No, a 15-year-old cannot get a Bank Verification Number (BVN) in Nigeria. The minimum age requirement for obtaining a BVN is eighteen (18) years. Banks may, however, operate accounts for minors under 18 and collect their information/data to issue a BVN once they reach the eligible age.

Which app can I borrow 50K from?

There are several loan apps in Nigeria that can potentially lend you up to 50,000 Naira, such as Branch Loan, QuickCheck, FairMoney Loan App, and Aella Credit. However, it is important to note that individual loan app requirements and eligibility criteria may vary, including the need to provide your BVN before obtaining a loan.

Can I borrow from PalmPay?

Yes, you can borrow from PalmPay. The PalmPay platform offers instant loans, with approval typically taking as little as 5 minutes. One of the advantages of borrowing from PalmPay is that there is no need for paperwork or collateral, making the borrowing process convenient and straightforward.


The availability of loan apps without the need for ATM cards has significantly simplified the borrowing process in Nigeria. The top 10 reliable loan apps discussed in this article provide quick, convenient, and transparent access to loans for various purposes. With their user-friendly interfaces, minimal documentation requirements, and prompt loan disbursements, these loan apps are revolutionizing the lending landscape in Nigeria.

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