Home Finance Loan Apps Without ATM Card in Nigeria

Loan Apps Without ATM Card in Nigeria

In Nigeria, the ATM card has long been the go-to way to access cash. But with the rise of loan apps, that is starting to change. Loan apps allow you to borrow money quickly and easily, without the need for an ATM card. This is a game-changer for many people.

For example, let’s say you need money to pay for an unexpected expense, like a medical bill or car repair. You don’t have time to go to the bank and apply for a loan, and you don’t have an ATM card. But with a loan app, you can get the money you need in minutes, right from your smartphone. So, in this blog post, I will explore top loan apps without loan apps In Nigeria. Let’s get started. 

Why Choose Loan Apps Without ATM Card?

Obtaining a loan without an ATM card offers numerous advantages, making it an attractive option for many Nigerians. Here are some compelling reasons why you might consider opting for these loan apps:

Convenience and Accessibility

Traditional banking procedures often involve time-consuming and complex processes. 

On the contrary, loan apps that don’t require an ATM card offer unparalleled convenience and accessibility. With just a few taps on your smartphone, you can apply for a loan from the comfort of your home or while on the go. 

The seamless user experience ensures that you can access funds swiftly and tackle financial emergencies with ease.

No Need for ATM Card

One obvious benefit of these loan apps is that they do not mandate the possession of an ATM card. This means that even if you don’t have an ATM card, you can still access credit facilities. This inclusivity broadens the scope for people who might not have a bank account but are in need of financial assistance.

Minimal Documentation

When applying for a loan through traditional channels, you often have to submit an array of documents, such as proof of income, utility bills, and bank statements. However, loan apps without ATM cards require minimal documentation, making the process significantly faster and hassle-free.

Speedy Approval and Disbursement

Have you ever borrowed money online? If no, good. I have obtained both offline and online loan. I can attest that obtaining money online is faster and safer. 

Top Loan Apps Without ATM Card in Nigeria

There are many loan apps in Nigeria have gained popularity for their seamless loan application processes and fast approvals without the need for an ATM card. They include; 

1. NairaRush

NairaRush is a leading loan app in Nigeria that has carved a niche for itself by offering hassle-free loans without the requirement for an ATM card. The app provides personalized loan offers based on your credit profile and transaction history. NairaRush boasts a user-friendly interface, making it easy for users to navigate and apply for loans effortlessly.

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Key Features of NairaRush

  • No ATM card required for loan application
  • Minimal documentation
  • Competitive interest rates
  • Flexible repayment options

2. QuickCash

QuickCash is another top-tier loan app in Nigeria that grants access to quick loans without the need for an ATM card. The app has gained a solid reputation for its transparent lending process and efficient customer support. With QuickCash, you can secure a loan within minutes and meet your financial obligations without stress.

Key Features of QuickCash

  • No ATM card required for loan application
  • Fast and straightforward application process
  • Instant loan disbursement
  • Secure and reliable platform
  • Opportunity to build a good credit score

3. FairMoney

FairMoney is a leading loan app that provides instant loans without the need for an ATM card. With a user-friendly interface, this app allows Nigerians to access loans ranging from ₦2,500 to ₦500,000. The application process is hassle-free, and borrowers can receive their funds within minutes upon approval. FairMoney also offers competitive interest rates, making it a popular choice among individuals seeking quick financial assistance.

4. Renmoney

Renmoney is another reliable loan app that caters to the needs of Nigerians without requiring an ATM card. Through Renmoney, borrowers can apply for personal loans, business loans, and even fixed deposits. The platform offers flexible repayment terms and personalized interest rates based on credit history and financial capabilities. Renmoney’s easy-to-use app and responsive customer support make it a go-to option for many.

5. Aella Credit

Aella Credit is a loan app that grants access to instant loans without the need for an ATM card. This platform leverages cutting-edge technology to assess creditworthiness and provide fast loan approvals. Borrowers can access loans up to ₦1,500,000, and the repayment terms are designed to suit individual preferences. Aella Credit is renowned for its transparent processes and commitment to empowering Nigerians financially.

6. Quick Credit

As the name suggests, Quick Credit is a loan app that provides speedy access to funds without the requirement of an ATM card. Whether you need money for medical emergencies, education expenses, or home repairs, Quick Credit can help. The app’s straightforward application process and lenient eligibility criteria make it an accessible option for many Nigerians.

7. Irorun Loan App

Irorun Loan App is a reliable digital lending platform that offers customized loan options without the need for an ATM card. The app caters to individuals with diverse financial needs and provides personalized interest rates and repayment plans. Irorun Loan App’s customer-centric approach and data security measures instill confidence in borrowers seeking financial assistance.

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How to Apply for a Loan Without ATM Card

Applying for a loan without an ATM card is a straightforward process, and these steps will guide you through:

Step 1: Download the App

Begin by downloading the loan app of your choice from the Google Play Store or Apple App Store, depending on your device.

Step 2: Registration

Register on the app by providing the necessary details such as your name, phone number, email address, and a valid identification document.

Step 3: Complete Your Profile

Complete your profile by filling in additional information, including your employment details, income, and bank account information. This allows the app to evaluate your creditworthiness accurately.

Step 4: Loan Application

Select the loan amount and tenure you desire, then proceed to submit your loan application. The app will review your application promptly.

Step 5: Loan Approval and Disbursement

Upon approval, the loan amount will be disbursed directly to your linked bank account or mobile wallet.


Loan apps without ATM card in Nigeria have undoubtedly transformed the lending landscape, providing a lifeline to individuals in need of quick financial solutions. Their user-friendly interfaces, speedy approvals, and disbursement processes make them a popular choice among Nigerians seeking convenient credit facilities. As you explore these loan apps, remember to borrow responsibly and prioritize timely repayments to build a strong credit profile for future borrowing endeavors.


Which loan apps don t require BVN?

There are a few loan apps in Nigeria that do not require BVN. These apps typically use other methods to verify your identity, such as your phone number or your bank account details. Some of the most popular loan apps that do not require BVN include:

  • FairMoney
  • Renmoney
  • Aella Credit
  • Umba
  • Quick Credit
  • Irorun Loan App
  • Quick Check

Can I get a loan without my BVN number?

It is very difficult to get a loan without your BVN number in Nigeria. The BVN is a unique identifier that is used to verify your identity and creditworthiness. Most lenders in Nigeria require your BVN number in order to process your loan application.

There are a few loan apps that do not require BVN, but these apps typically offer smaller loans with higher interest rates, they are all mentioned in this article. 

Which online loan app is banned in Nigeria?

The Federal Competition and Consumer Protection Commission (FCCPC) has banned a number of online loan apps in Nigeria for engaging in unfair, deceptive, and predatory lending practices. These apps have been accused of charging high interest rates, imposing hidden fees, and using aggressive and harassing collection tactics.

Some of the banned loan apps include: Getloan, and 


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