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Top 12 Websites That Gives Quick Loans Without Collateral In Nigeria
3 years ago

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            <p><em><strong>*** Before you proceed, please note that <a href="https://invoice.ng">Invoice NG</a> is not a loan service provider. Hence, all requests for loans and related services will be ignored.</strong></em></p>
<p>A loan is a financial instrument that helps both businesses and individuals to meet financial obligations. However, most lenders often require a form of collateral to serve as security before they give-out the loan to ensure its repayments.</p>
<p>Not every individual in Nigeria has what they can tender as collateral to access a loan. This is why loans without collateral are very important. Fortunately today, business owners and individuals can apply for quick online loans without putting up their assets as collateral.</p>
<p>Lack of capital is one of the major <a href="https://invoice.ng/blog/challenges-of-doing-business-in-nigeria/">problems of doing business in Nigeria</a>. With the new quick and easy online funding options, lenders evaluate creditworthiness and ability to pay back within a stipulated time frame and may approve an amount of loan based on that assessment.</p>
<p>In this post, we talked about the top 10 websites in Nigeria that offer quick loans to small businesses and individuals without collateral in Nigeria.</p>
<h2>1. GROFIN</h2>
<p><img class="aligncenter size-full wp-image-4238" src="https://invoice.ng/blog/wp-content/uploads/2017/05/grofin-website.jpg" alt="grofin website" width="839" height="471" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/grofin-website.jpg 839w, https://invoice.ng/blog/wp-content/uploads/2017/05/grofin-website-300x168.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/grofin-website-768x431.jpg 768w" sizes="(max-width: 839px) 100vw, 839px" /></p>
<p><strong><a href="http://www.grofin.com/" target="_blank">GroFin</a></strong> provides Small and Medium Enterprise (SME) finance/business loans across Africa & the Middle East. If you have investible numbers and you looking to expand your business, then GroFin is your best short.</p>
<p>With GroFin, businesses can access business loans between US$100,000 and US$1.5 million. If you think your business ticks the required checklist, then you can submit your <a class="broken_link" href="http://www.grofin.com/onlineapplication" target="_blank">online application</a> here.<br />
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<blockquote><p><em><strong>Also Read: <a href="https://invoice.ng/blog/how-to-get-business-loan-in-nigeria/">How To Get Business Loan in Nigeria: The Ultimate Guide.</a></strong></em></p></blockquote>
<h2>2. SMEDAN</h2>
<p><img class="aligncenter size-full wp-image-4247" src="https://invoice.ng/blog/wp-content/uploads/2017/05/smedan-nigeria-website.jpg" alt="smedan nigeria website" width="831" height="473" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/smedan-nigeria-website.jpg 831w, https://invoice.ng/blog/wp-content/uploads/2017/05/smedan-nigeria-website-300x171.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/smedan-nigeria-website-768x437.jpg 768w" sizes="(max-width: 831px) 100vw, 831px" /></p>
<p>Last on the list is SMEDAN, a government-backed initiative to offers quick and easy business loans to Nigerian SME’s businesses in need of financing. The core mission of the organization is to promote entrepreneurship among Nigerians and also provide capital to start the business.</p>
<p>Aside funding, SMEDAN also provide business owners with hands-on training and support to help them run their business. If you would like to apply, click here to access their <a href="http://apps.smedan.gov.ng/login.php?info=DENIED" target="_blank"><strong>online application portal</strong></a>.</p><div class="stream-item stream-item-below-post-content"><span class="ad-slot-label-container"><span class="ad-slot-label">ADVERTISEMENT</span></span> <script async src="https://pagead2.googlesyndication.com/pagead/js/adsbygoogle.js?client=ca-pub-2676590700924448"
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<h2>3. LYDIA.CO</h2>
<p><img class="aligncenter size-full wp-image-4249" src="https://invoice.ng/blog/wp-content/uploads/2017/05/lidya-nigeria-website.jpg" alt="lidya nigeria website" width="831" height="472" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/lidya-nigeria-website.jpg 831w, https://invoice.ng/blog/wp-content/uploads/2017/05/lidya-nigeria-website-300x170.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/lidya-nigeria-website-768x436.jpg 768w" sizes="(max-width: 831px) 100vw, 831px" /></p>
<p><strong>Lidya</strong> is an online platform that provides businesses access to finance. The platform offers small and medium-sized businesses with unsecured loans of between $500 and $15,000.</p>
<p>According to the founders, “Lidya uses technology and algorithms to assess the risk before granting the loans, it allows them to offer financial products to these customers at a low cost.”</p>
<h2>4. AELLA-CREDIT</h2>
<p><img class="aligncenter size-full wp-image-4243" src="https://invoice.ng/blog/wp-content/uploads/2017/05/aellacredit-nigeria-website.jpg" alt="aellacredit nigeria website" width="834" height="472" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/aellacredit-nigeria-website.jpg 834w, https://invoice.ng/blog/wp-content/uploads/2017/05/aellacredit-nigeria-website-300x170.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/aellacredit-nigeria-website-768x435.jpg 768w" sizes="(max-width: 834px) 100vw, 834px" /></p>
<p><a href="https://www.aellacredit.com/" target="_blank"><strong>Aella Credit</strong></a> is building platforms that make it easier for individuals in Africa to gain access to financing. Mainly focused on employee lending and empowerment, the company was affiliated with three main credit bureau agencies in Nigeria to provide quick and affordable loans with no paperwork to its customers.</p>
<p>Aella Credit uses a  proprietary credit scoring algorithm to determine the creditworthiness of its users. The algorithm, which was built after the team gathered over five years of market data and analysis, processes an applicant’s eligibility for a loan by considering social and demographic factors as well as their debt to income ratio.</p>
<h2 class="font_8">5. ZEDVANCE</h2>
<p><img class="aligncenter size-full wp-image-4245" src="https://invoice.ng/blog/wp-content/uploads/2017/05/zedvance-nigeria-website.png" alt="zedvance nigeria website" width="832" height="472" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/zedvance-nigeria-website.png 832w, https://invoice.ng/blog/wp-content/uploads/2017/05/zedvance-nigeria-website-300x170.png 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/zedvance-nigeria-website-768x436.png 768w" sizes="(max-width: 832px) 100vw, 832px" /></p>
<p><strong><a href="http://www.zedvance.com/" target="_blank">Zedvance</a></strong> is a consumer finance company committed to providing consumer credit to individuals. You can borrow up to 3 Million Naira in less than 24 hours.</p>
<p>The company specifically provide loans to salary earners but if you are a salary with a side business, you can pick up the deal to finance your business use.<br />
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<blockquote><p><em><strong>Also </strong></em><strong>Read:</strong><em><strong> <a href="https://invoice.ng/blog/7-top-business-grants-loans-available-for-small-businesses-in-nigeria/">7 Top Business Grants & Loans Available for Small Businesses in Nigeria</a>.</strong></em></p></blockquote>
<h2>6. PAYLATER</h2>
<p><img class="aligncenter size-full wp-image-4242" src="https://invoice.ng/blog/wp-content/uploads/2017/05/paylater-nigeria-website.jpg" alt="paylater nigeria website" width="832" height="473" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/paylater-nigeria-website.jpg 832w, https://invoice.ng/blog/wp-content/uploads/2017/05/paylater-nigeria-website-300x171.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/paylater-nigeria-website-768x437.jpg 768w" sizes="(max-width: 832px) 100vw, 832px" /></p>
<p><strong><a href="https://www.paylater.ng/" target="_blank">Paylater</a></strong> is an easy and entirely online lending platform that provides short-term loans to individuals and small businesses in Nigeria to help cover unexpected expenses or urgent cash needs.</p>
<p>With Paylater, you can access up to 500,000 Naira loan with no collateral. Once your application is approved, funds are typically received within 1 – 3 business days. Making on-time repayments can grant you access to higher credit limits for your next loan.</p>
<h2>7. KIAKIA.CO</h2>
<p><img class="aligncenter size-full wp-image-4237" src="https://invoice.ng/blog/wp-content/uploads/2017/05/kiakia-nigeria-website.jpg" alt="kiakia nigeria website" width="831" height="474" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/kiakia-nigeria-website.jpg 831w, https://invoice.ng/blog/wp-content/uploads/2017/05/kiakia-nigeria-website-300x171.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/kiakia-nigeria-website-768x438.jpg 768w" sizes="(max-width: 831px) 100vw, 831px" /></p>
<p><a href="https://www.kiakia.co/" target="_blank"><strong>KiaKia</strong></a> is a digital money lender for Nigerian businesses. KiaKia utilizes psychometry, big-data, machine learning and digital forensics for its proprietary credit scoring and credit risk assessment algorithm to provide direct and peered personal and business loans to millions of individuals and SMEs without credit information.</p>
<p>The name KiaKia was derived from a Nigerian language which means “Fast Fast”. According to them, the solution is very simple and fast, but highly effective and efficient.</p>
<h2>8. ONE-FI</h2>
<p><img class="aligncenter size-full wp-image-4239" src="https://invoice.ng/blog/wp-content/uploads/2017/05/onefi-nigeria-website.jpg" alt="onefi nigeria website" width="830" height="472" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/onefi-nigeria-website.jpg 830w, https://invoice.ng/blog/wp-content/uploads/2017/05/onefi-nigeria-website-300x171.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/onefi-nigeria-website-768x437.jpg 768w" sizes="(max-width: 830px) 100vw, 830px" /></p>
<p>Formerly known as One Credit, <a href="https://onefi.co/"><strong>OneFi</strong></a> is a credit facility company that offers short-term consumer loans to credit-worthy individuals with limited access to finance.</p>
<p>One-Fi loan repayment cycle is typically between 3 – 6 months, with loan amounts up to N200,000 or more.<br />
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<blockquote><p><strong><em>Also Read: <a href="https://invoice.ng/blog/five-ways-to-get-funds-for-a-startup-business-in-nigeria/">Five ways to get funds for a startup business in Nigeria.</a></em></strong></p></blockquote>
<h2>9. C24</h2>
<p><img class="aligncenter size-full wp-image-4240" src="https://invoice.ng/blog/wp-content/uploads/2017/05/c24-nigeria-website.jpg" alt="c24 nigeria website" width="833" height="472" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/c24-nigeria-website.jpg 833w, https://invoice.ng/blog/wp-content/uploads/2017/05/c24-nigeria-website-300x170.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/c24-nigeria-website-768x435.jpg 768w" sizes="(max-width: 833px) 100vw, 833px" /></p>
<p><a href="https://c24.com.ng/" target="_blank"><strong>C24 Limited</strong></a> is a microfinance institution that was established with the sole mission to create an avenue for people to actualize opportunities around them, by helping them access cash loans when they need it.</p>
<p>C24 understands the need for quick cash loans and the necessity of quicker loan processing time. Their online loan process has been optimised to help applicants avoid the stress associated with other loan companies.</p>
<h2>10. QUICKCHECK</h2>
<p><img class="aligncenter size-full wp-image-4241" src="https://invoice.ng/blog/wp-content/uploads/2017/05/quickcheck-nigeria-website.jpg" alt="quickcheck nigeria website" width="828" height="473" srcset="https://invoice.ng/blog/wp-content/uploads/2017/05/quickcheck-nigeria-website.jpg 828w, https://invoice.ng/blog/wp-content/uploads/2017/05/quickcheck-nigeria-website-300x171.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2017/05/quickcheck-nigeria-website-768x439.jpg 768w" sizes="(max-width: 828px) 100vw, 828px" /></p>
<p><a href="http://www.quickcheck.ng/" target="_blank"><strong>QuickCheck</strong></a> is a modern lending platform for individuals and small businesses. QuickCheck uses mobile technology to enable individuals and small businesses to gain access to financial credit.</p>
<p>According to the platform, users can access quick and hassle-free loans of up to 30,000 Naira without any collateral for a duration of either 15 or 30 days.</p>
<h2>11. SPECTA</h2>
<p><img class="aligncenter size-large wp-image-5980" src="https://invoice.ng/blog/wp-content/uploads/2018/01/specta-loan-nigeria-sterling-bank-1024x586.jpg" alt="specta loan nigeria sterling bank" width="800" height="458" srcset="https://invoice.ng/blog/wp-content/uploads/2018/01/specta-loan-nigeria-sterling-bank-1024x586.jpg 1024w, https://invoice.ng/blog/wp-content/uploads/2018/01/specta-loan-nigeria-sterling-bank-300x172.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2018/01/specta-loan-nigeria-sterling-bank-768x440.jpg 768w, https://invoice.ng/blog/wp-content/uploads/2018/01/specta-loan-nigeria-sterling-bank.jpg 1162w" sizes="(max-width: 800px) 100vw, 800px" /></p>
<p><strong><a href="https://www.myspecta.com/" target="_blank">Specta</a></strong> is an online lending platform that gives you loans of up to 5 Million in one transaction all within 5 minutes! No collateral, no paperwork and no visit to any office. With Specta, you can take care of urgent personal and business needs anywhere, anytime.</p>
<p>Specta has 2 loan products, <a href="https://www.myspecta.com/Home/Basic" target="_blank">MySpecta</a> which offers individual loan services and <a href="https://www.myspecta.com/Home/Business" target="_blank">Specta4Business</a> which provides quick and accessible loan for corporates and business owners.<br />
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<blockquote><p><em><strong>Also Read: <a href="https://invoice.ng/blog/development-bank-of-nigeria-loan/">How To Get Business Loan From Development Bank Of Nigeria.</a></strong></em></p></blockquote>
<h2>12. FAST CREDIT</h2>
<p><img class="aligncenter size-large wp-image-5984" src="https://invoice.ng/blog/wp-content/uploads/2018/01/fast-credit-loans-nigeria-1024x587.jpg" alt="fast credit loans nigeria" width="800" height="459" srcset="https://invoice.ng/blog/wp-content/uploads/2018/01/fast-credit-loans-nigeria-1024x587.jpg 1024w, https://invoice.ng/blog/wp-content/uploads/2018/01/fast-credit-loans-nigeria-300x172.jpg 300w, https://invoice.ng/blog/wp-content/uploads/2018/01/fast-credit-loans-nigeria-768x440.jpg 768w, https://invoice.ng/blog/wp-content/uploads/2018/01/fast-credit-loans-nigeria.jpg 1162w" sizes="(max-width: 800px) 100vw, 800px" /></p>
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<p><strong><a href="https://fastcredit-ng.com/" target="_blank">FastCredit</a></strong> offers business loans to micro, small and medium enterprises to support business growth. The loans are backed by guarantors and are for a maximum tenor of 6 months for business owners that meet the criteria.</p>
<p>Aside from business loans, they also offer simple and fast ‘all-purpose’ cash loans to employees of corporates such as the banks, TELCOs, Insurance/other financial institutions, FMCGs, Pharmaceuticals, Aviation, Oil and Gas employees etc to enable them urgently meet their consumer needs.</p>

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