In this guide, we have listed the top online loan apps in Nigeria where individuals and business owners can apply and have access to quick loans.

People and business owners have been asking questions like how can I get a loan without collateral? Where can I get loans in Nigeria?

And so much more because they are humans and might need extra cash in handling their businesses and other financial issues around them and not everyone in Nigeria has what they can give as collateral to access a loan.

In cases like this when all means of getting funds has been proven futile, the only alternative is to consider getting a quick and affordable loan online without putting up assets as collateral.

The process of getting loans in Nigerian banks is quite tedious and time consuming for an individual that just need a small amount of loan for just a short period of time.

But thanks to the online lending platforms in Nigeria (birthed by the Fintech Industry), individuals and businesses now have access to loans when needed.

If you are busy searching for important loan apps where business owners, students, and individuals can have access to quick loans without collateral in Nigeria, you are in the right place.


10 Loan Apps in Lagos, Nigeria


1. Palm Credit



Palmcredit is considered as one of the best instant loan apps in Nigeria where you’ll have access to Nigerian quick loan easily anywhere and anytime.


Within minutes on your phone, you can get loans of N50,000 and above.

Getting an online loan is simple with Palmcredit. Register and apply for a credit limit in minutes, then take as many instant loans as you need no paperwork needed, no collateral.

When you repay your loans on time, your interest rate will be reduced. You can also refer your friends to join and us Palmcredit and earn up to N80,000 bonus cash.


How PalmCredit Works

  • Download the palmcredit app on Google Play Store
  • Complete your application by filling in your personal information
  • Apply for a loan

How to get a Loan from PalmCredit App

To access a Loan from Palm Credit, you will have to Download their App from either Google’s Play Store or the iTunes Store.

You can Download the Loan App from the Link below

Download Palmcredit Loan App for Android


How do I contact Palmcredit?

You can contact Palmcredit’s Customer Care on +234 700 7256 4357 if you run into problem applying for a Soft Loan through their App. Most times you might be having issues repaying or making inquiries. Their Calling times are 8am to 5pm, Mondays through Fridays.


What is Palmcredit Social Handle?

  1. PalmCredit Twitter
  2. PalmCredit Facebook


What is PalmCredit Interest rate?

As of my writing, they charges you on average 14% – 24% which on a Monthly basis equates 4.6% Interest rate for any Amount of Loan you take, if you take a loan of N100,000 for an average of 180 Days, you will be entitled to pay back a 24% interest rate which equals N24,000

Their Annual Percentage Rate (APR) is 56.78%. You can receive your Loan in 5 Minutes time of Application through their 3 Easy Step process of

  • Registering an Account
  • Getting Loan Approval
  • Lastly getting your Loan Disbursed to your Account

With Palm credit, you can Secure a No Coloteral Loan of up to a Hundred Thousand Naira (N100,000) within 3 – 5 Minutes time.

The earlier you pay received Loans, they easier it becomes to collect another even higher Loans with reduced Interest Rates and a shorter disbursement time frame


Can I Earn Money referring Friends and Family to use the Palm Credit App?

Yes, for every user you refer to use the PalmCredit App to access a Soft Loan and repay back on time, you will be awarded some rewards and Benefits, at times Cash Rewards while most times a Discount on your Loans.

You can earn up to N80,000 cash Bonus for Referring others to use the App


NOTE: To get Loans Faster, follow this Link to Download and Apply for the Loan

Download Palm Credit App




2. Kiakia

Kiakia is a mobile app that gives you access to loans (personal and small business loans) and helps savers to lend out funds at negotiated interest via intuitive conversations.


Kiakia makes use of big data, machine learning, psychometry and digital forensics for its branded credit scoring and credit risk assessment algorithm to provide personal and business loans to millions of people and SMEs without credit information.


How Kikia works

  • Visit the kikia chatbot app and chat with Mr.K
  • Create an account and fill in your personal information
  • Apply for a loan



2. Carbon (Paylater)

Carbon(paylater) loan app

Carbon formally known as Paylater is an easy to use online lending platform where you can have access to over 500,000 Naira loan with no collateral.

Carbon provides short term loans to individuals and small businesses in Nigeria to enable them to cover unexpected expenses.

carbon(paylater) loan app

Carbon(paylater) loan app

Apart from loans, this app gives you the privilege to invest money which will yield you interest of 15.5% yearly by investing in PayVest. You can also send money to family and friends, recharge airtime and pay utility bills using this app.


How PayLater works

  • Download the Carbon (Paylater) app and get loans in Nigeria without collateral.
  • Fill the Paylater application with your personal details such as full name, date of birth, gender, phone number, email address, bank account details, and many more and your application will be reviewed immediately.
  • Once your application has been reviewed and approved, you will receive the money within 5 minutes.
  • Repay your loan before the due date.

4. Aella Credit

Aella Credit makes it easier for individuals in Nigeria to have access to financing. With no paperwork, you get quick and affordable loans using Aella credit.

Aella credit

aella credit

Aella Credit utilizes a proprietary credit scoring algorithm to determine the creditworthiness of its users. The algorithm helps to show if an applicant is eligible to be given a loan.


How Aella Credit Works

  • Download Aella Credit App and get instant loans.
  • Create your account
  • Fill in your application
  • Receive your funds
  • Repay your loan.


5. Branch

This is a simple but powerful mobile loan app in Nigeria where you can get quick and instant loans easily and fast with no collateral.



Their loans range from 1,500 to 150, 00 Naira and their loan term range from 4-64 weeks. Complete their application process in seconds and start getting loans directly to your account.


How Branch works

– Download the Branch App and get started.

– Create your personal account

–  Apply for a loan

– Receive your loan instantly into your bank account

–  Repay your loans


 6. QuickCheck

QuickCheck is also another modern lending platform where individuals and small businesses gain access to financial credit. Users have access to get loans of 30,000 Naira without collateral for a time range of 15 to 30 days.

quickcheck loan app

quickcheck loan app


How QuickCheck works

  • Get the QuickCheck loan App to get access to quick loans in Nigeria.
  • Fill the application form
  • Apply for a loan
  • Receive funds into your bank account


7. FairMoney

Get instant loans to cover up your urgent needs or expenses by using FairMoney. FairMoney gives you access to get loans for your medical bill, school fees, and unexpected cash problems anytime, anywhere. Request for a loan and get instant funds transferred to your account in 5 minutes.

fairmoney loan app

FairMoney loan app

FairMoney provides education loan with the aim of helping students reach their goals in life. They also provide business loans for small business owners who want to develop their existing business. It is fast, secure and reliable.

How FairMoney Works

  • Download the FairMoney app
  • Sign up with either facebook or phone number
  • Receive loan offer
  • Receive payment by filling your bank details


8. Sokoloan

Sokoloan provides short term loans for individuals and small business owners to enable them to take care of their unexpected financial expenses.



It is a very simple and straight forward platform, where you can receive funds within 5 minutes without collateral, paperwork or document.

How Sokoloan works

  • Get the app on the Google play store 
  • Fill the application form
  • Receive your money within 5 minutes directly to your bank account
  • Repay loan



This is a platform launched by Wema Bankto function as a digital bank. And as a digital bank, you can open an ALAT bank account, save money and get over 10% interest, transfer funds, pay utility bills, and have your ATM delivered to your on your doorsteps.

Alat loan app

ALAT loan app


Apply for an instant loan of up to 200,000 Naira without paperwork, documents, collateral, or visit to a physical location.


How ALAT works

  • Download the ALAT app or visit the website to get started
  • Register your account
  • Get a loan




Now that you have seen some of the top loan apps in Nigeria, I hope you will be able to select a nice platform and use. Most of these platforms offer quick loans without collateral, which most individuals and small business owners will find it interesting.

It is also advisable to study their terms and conditions before filling their application forms. Also, try and consider the interest rate and payback period and as a business owner, you won’t want to go for loans with a very short payback period except you are very sure you will be able to pay back the money in less time.








15 Taxi apps in Nigeria


Taxi Apps in Nigeria will show you how the ecosystem has evolved and how these Taxi hailing Apps have brought Luxury and Comfort into the Transportation Industry in Nigeria.

Not long ago, people rely on sub-standard means of public transportation like Danfo buses and Keke (Tricycle).

Things have changed a lot over the last few years with the arrival of ride-hailing apps.

These apps assure the Nigerian people of the basic necessities of a hired ride such as timeliness, comfort, and fair charges.

Below are a few of the top hailing taxi apps that have changed the transportation ecosystem in Nigeria.




1. Oga taxi

Oga Taxi App

Oga Taxi is first Nigeria’s ride-hailing app with potentials to overtake foreign apps like Uber and Taxify.

This app was launched in 2016 by Micheal Nnnamadim and Ameh Idoko.

Oga Taxi comes with features that will make riding comfortable for all passengers.

Oga Taxi has two ride options namely, Classic (solo) and pooled ride.

With the pooled ride option, the driver shows you profiles of people heading the same direction with you and you get to choose whom to ride with and thus guarantees you with a discount of 40%.

Download Oga taxi for Android 

Download Oga taxi for iOS





2. Taxify

Taxify App

Taxify is an Eastern European ridesharing company that has spread to over 20 cities in 15 countries.

Since it entranced into Nigeria in 2016, it has rendered good services to many Nigerians.

Its riders are punctual and well mannered.

Download Taxify for Android

Download Taxify for iOS





3. Uber

Uber App

Uber was founded in 2009 and it is a  San Francisco based company.

Uber is currently operational in more than 600 cities in over 65 countries, 13 sub-Saharan African cities like Lagos, Abuja, Accra, Nairobi and more.

Uber came to existence in Nigeria in 2014 and since then it has proved to be one of the best ride-hailing apps in Nigeria.

Get Uber for Android 

Get Uber for iOS 





4. Carxie

Carxie Taxi App


Carxie is another good taxi app you need to get on your phone.

Carxie serves as a source of employment for Nigerians within the country.

This is how it works: For every driver brought by an agent, the agent gets/earns one per cent.

The more drivers you bring, the more money you earn.

Carxie is well known in Lagos, Abuja, and Owerri.

Download Carxie for Android

Download Carxie for iOS





5. Jekalo

Jekalo Taxi App

This is an online platform that allows you to share a ride with someone going the same direction/route as you.

This app serves two kinds of riders i.e. Riders and ride owners.

The riders order rides by entering their trip information, clicking on the search button to look for a ride that matches their destination but in cases where there are no matched routes, they can choose to get notified when one finally does.

While ride owners click on the “offer a ride” button and enter their route destination.

This app is only available in Lagos for now.

Download Jekalo for Android





6. Rideme

Rideme taxi App

This app was recently launched in Lagos in July 2018 and it is becoming the first choice for some Lagosians.

Their taxis have a unique colour that stands out differently from other taxis.

For people leaving in the Mainland and working in the Island, this app is the best taxi app in Lagos for you.

Their fee is very affordable and meets the lifestyle of every average Lagosian.

Rideme has a live chat option which allows them to deal with customers issues.

Download Rideme for Android





7. Ride on

Rideon Taxi App

Rideon provides riders with the best ride service in town from drivers who are committed to delivering their best.

With the app, you can get safe and reliable rides at affordable prices.

It is very easy to use than other apps. Customers can book for any journey, save their profile and payment details so that when next they open the app they can book a ride in a couple of clicks.

Download Rideon for Android   

Download Rideon for iOS




8. Ola Cab

Ola Cab Taxi

Ola cap app provides adequate and unique services to the users.

Book, hire a cab and professional drivers will arrive within minutes to take you to your preferred destination.

Download Ola cap for Android



9. Naija Taxi

Naija Taxi App

This app is quite new and was launched in Nigeria a few years ago.

With, Naija taxi app, you get services like taxi services, car/bus hire, logistics and delivery, car tracking services, and you can book a trip to West Africa.

Naija Taxi ensures you a safe and convenient ride.

Download Naija Taxi App for Andriod 




10. Taxi Naija

Taxi Naija App

Booking a cab and calling of a driver is fast with this app.

It connects customers with Taxis in Nigeria.

This app is available for both riders and drivers but has separate logins each.

Download Taxi Naija for Android




11. Drop

Drop taxi App

Drop offers riders the best taxi services in Lagos.

This app lets you book a cap either for yourself or the product you want to transport.

Drop app uses GPS tracking so that the driver could locate you wherever you order a ride in Lagos.

Payment can be done by cash or by attaching a credit card to your account.

With this app, your pickups, drop-offs, dispatches, deliveries are quick and pleasurable.

Download Drop for Android




12. KarryGo 

KarryGo Taxi App

KarryGo taxi app is an app whereby a user can request for a Taxi and get a response from driver 10km radius away from the user.

This app has a relatively low fare of 350 Naira. It charges users 65 Naira for each kilometre after the driver activates the trip.

Download KarryGo Taxi App for Android 




13. Mr Taxi

Mr Taxi App

Mr Taxi app is available and works for users in the Eastern part of Nigeria.

Getting a ride here is affordable, quick, safe, comfortable and reliable.

Download Mr Taxi for Android




14. Waka4Town

Waka4Town taxi App

This is a taxi/ambulance app where you can order for rides and ambulance services that are safe, quick and affordable.

This app finds your location even if you don’t know the exact address/area you are in.

With this app in your phone, you can order for a car/ambulance, get a low-cost ride to your destination and pay in cash or pay in the app.

Download Waka4Town for Android



15. Ofero

Ofero Taxi App

This is an inter-state taxi booking app in Nigeria.

Install and book a taxi to and from select cities in Nigeria.

Download Ofero for Android 


Summary: Taxi Services in Lagos

With the help of Taxi services in Lagos Nigeria, you can book, hire, and even rent cars to suit your taste.

Some of these taxi services deliver Cargo to any destination of your choice.

When you can’t deal with the heat in those danfu buses or Keke (tricycle) then you can order for a ride with your Smartphone since technology has made everything easy for us.

With the app in your phones, you can easily get a good cab which service fee is affordable and we will sit comfortably in the car, relaxed and free from the stress of jumping from one bus to another.

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