10 Best Loan Apps Without ATM Cards In Nigeria 2023

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Are you having financial issues you are looking for loan apps without ATM cards? Access to loans is vital for many people and businesses in today’s fast-paced world.

However, in Nigeria, traditional banking and online lending methods can pose challenges due to complexities and requirements such as possessing an ATM card, which is not available or obtainable for everyone. Additionally, some people are hesitant to disclose their personal and financial details online.

Many individuals have opted to seek out loan apps without atm cards as a means to prevent unauthorized debits. The rationale behind this is the prevalence of fake loan apps that resort to unscrupulous methods to recoup loan amounts.

This article features the top 10 loan apps without atm cards in Nigeria. These particular loan apps were selected by one of our editors who possess extensive experience in writing about loan apps in Nigeria. Individuals, self-employed individuals, and business owners in Nigeria can obtain instant cash offers from these digital loan apps without atm cards not having them enter their debit card information into the platform.

List of loan apps without atm cards

1. Renmoney

In Nigeria, the Renmoney app is among the finest loan apps that operate on both iPhone and Android platforms. This finance app enables users to save and transfer money, pay bills, purchase airtime, and conveniently apply for instant loans using their mobile phones.

Renmoney is a reputable lending platform in Nigeria and is widely used due to its reliability. It offers favorable loan terms and conditions and does not mandate the use of an ATM card for loan applications to be approved.

Renmoney’s loan amounts range from 6,000 to 6 million nairas, with an interest rate of up to 9.33%. Borrowers are granted the option of repaying their loans gradually over a period of up to 24 months. The good thing is that they are one of the loan apps without atm cards in Nigeria.

2. Irorun loan app

loan apps without atm cards

Irorun is a newly launched loan app in Nigeria that does not require an ATM card. The app is primarily focused on microloans, providing small loans for personal use. With just a simple download and registration process, users can apply for loans ranging from a minimum of 5,000 to a maximum of 50,000 Naira.

This loan app is known for its reliability and positive feedback, providing realistic loan amounts without requiring an ATM card. Irorun offers flexible loan terms and a relatively long loan tenure of up to 180 days, along with fair interest rates. The app is available for both iPhone and Android users.

3. FairMoney 

loan apps without atm cards

The FairMoney loan platform provides instant cash for your financial requirements without necessitating the provision of your BVN, documentation, collateral, or guarantor. This app allows borrowers to obtain loans ranging from N1,000 to N150,000, with repayment periods spanning from 2 to 12 weeks. The loan amount available to you is based on your creditworthiness.

FairMoney promptly credits the loan amount to your account within minutes. You can choose to transfer the funds to your bank account or use it for online payments such as buying airtime and paying bills, among others.

FairMoney is highly one of the trusted loan apps without atm card pieces of information. It doesn’t require the use of an ATM card in Nigeria. It offers loans at a low-interest rate and a flexible repayment tenor spanning from 1 to 18 months.

4. Branch

Loan Apps Without ATM Card

The branch loan app is among the best loan apps without atm cards in Nigeria and they do not require the use of an ATM card. It is an international financial platform and digital bank that operates in four countries. It is a highly trustworthy platform for obtaining personal or business loans. Using the Branch app, you can borrow up to N500,000 without the need for an ATM card. The interest rate is 20% per annum.

5. Aella Credit

Loan Apps Without ATM Card

Aella is a highly dependable and transparent loan app in Nigeria that doesn’t require an ATM card. This means it is one of the loan apps without atm cards in Nigeria. With this app, Nigerians can obtain instant loans in as little as five minutes without collateral or documentation.

To get a loan from Aella, all you have to do is download the app from the App Store or Play Store, create an account with your accurate information, and submit a loan application. This app offers a significant loan amount with a relatively lengthy repayment period and attractive interest rates.

6. Umba 

Loan Apps Without ATM Card

Umba is a loan app that enables users in Nigeria to apply for, withdraw, and repay loans directly from their smartphone or desktop computer without an ATM card. Once an individual is verified, the loan platform can make lending decisions based on a designated risk rating.

The Umba app is available on the Google Play Store and does not require collateral or documentation to access its quick loan services.

7. OKash 

Loan Apps Without ATM Card

Okash is one of the widely used loan apps without atm cards in Nigeria that allows easy access to credit anytime and anywhere across the country, without the need for an ATM card. It is managed by Blue Ridge Microfinance Bank Limited and is convenient for mobile users in Nigeria.

Okash satisfies customers’ financial requirements completely online 24/7. The application process is simple with minimal documentation, and the approved loan amount is transferred to the applicant’s bank account.

8. Palm Credit

Loan Apps Without ATM Card

Among the loan apps available in Nigeria is Palm Credit, an android loan apps without atm cards that offers quick and easy access to loans for its users. Eligibility for a Palm credit loan is limited to individuals who are 18 years and above, with loan amounts ranging from #2,000 to #100,000.

With just a few simple steps, you can download the Palm Credit App from the Google Play store, fill in your details, and complete the registration process in a matter of minutes using your phone number or Facebook account. Additionally, Palmcredit offers referral rewards for bringing new users to the platform.

9. Quick Check

Loan Apps Without ATM Card

QuickCheck is a widely-used loan app in Nigeria that offers users the convenience of quick access to loans without requiring an ATM card or collateral, documentation, or a guarantor. By simply using your smartphone, you can receive the loan amount directly into your bank account within minutes.

QuickCheck is known for its reliability, as evidenced by its over a million downloads on the Google Play Store with a plethora of positive reviews. The app allows users to apply for instant loans of up to 1 million Naira with flexible payment terms, which enables borrowers to pay gradually for up to one year. Therefore, when searching for the best loan apps without ATM cards in Nigeria, QuickCheck is an essential option to consider.

10. GTB Quick Credit

loan apps without atm cards

The GTBank Quick Credit is a digital platform run by GTBank that requires an account with the bank for access. With this platform, you can borrow between N10,000 and N5 million without providing your ATM card details.

Repayment for the GTBank Quick Credit loan is typically spread over a period of 6 to 12 months with a monthly interest rate of 1.5%, and no collateral is required. This loan option also has the added benefit of no hidden charges.

Are loan apps without atm cards trusted and reliable in Nigeria?

Yes. These loan apps without atm cards listed above in this article are very much trusted and reliable. Please it is recommended to make further research concerning these loan app before you decide using any of their services.


Loan apps without ATM cards in Nigeria are revolutionizing the way people access loans. They are helping to bridge the gap between traditional banking and the unbanked or underbanked population. These apps provide a new avenue for individuals and small businesses to obtain loans quickly and easily. Here are hints and ideas to help small businesses to grow.

The loan application process is simple, requiring only a few clicks on a smartphone. Applicants can access loans without the need for collateral, documentation, or a guarantor. With loan amounts ranging from as low as N1,000 to as high as N5 million and loan tenors ranging from a few weeks to a year, these loan apps offer flexibility to meet different financial needs.

This post has provided a list of some of the best loan apps without ATM cards in Nigeria. By using these apps, individuals and small businesses can access loans and improve their financial situation. It is important to note that while these loan apps provide a convenient way to access loans, borrowers should be responsible and only take loans that they can repay on time to avoid falling into debt.

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