Top 6 Platforms to Get a Quick Loan Within 10Mins to 24hrs Without a Collateral

This post was last updated on January 31st, 2022.

If you have been looking for a platform to get quick loans to solve urgent financial needs, then this article will really help you. There are many platforms out there where you can get quick loans to take care of your financial needs.

There are platforms or organizations out there that promise instant loans, but sometimes the requirements are so high that it discourages so many loan seekers. Beside that, many loan providers are not real.

I have taken the time to scrutinize a lot of them and will be listing those that are real. Some of them I have tested and would like to share with you.

Below are the platforms where you can get quick/instant loans.

  1. Carbon

Carbon (formerly Paylater) is a simple, mobile online lending platform that provides short-term loans to help cover unexpected expenses or urgent cash needs. The platform is available on the Google Playstore. The website is and if you are browsing from your mobile Android phone, click here to download Paylater from the Google Playstore.

I have used paylater and they are real and working perfectly. I wrote a comprehensive article here on paylater and you can read about it here: How I Got a Quick Small Loan in 5 Minutes Without Collateral.

With Paylater, you will get an instant loan without having to wait. It is very useful when you are stranded and in need of a loan for an urgent need.

2. Aella Credit

Another quick loan platform that I have tested and got a loan is Aella Credit. Aella Credit provides Instant loans to Africans who can prove a source of Income either through their employers or individually. I got a loan of N7,500 from them. Their website is You can use this promo code: 184548 to signup as a first timer.

3. Branch

Branch is a for-profit socially conscious company based in San Francisco, Nairobi, Lagos, and Mumbai. We use technology to dramatically reduce the cost of delivering financial services in emerging markets. Their first product is credit. A branch is like a bank in your pocket, there for you at all times.

Unlike other quick loan platforms, Branch focuses more on small business owners and the repayment is every week. For example, if they disbursed a loan of N10,000, they will divide that amount together with interest into 4. That means every week you have to pay and complete it within four weeks.

For the purpose of writing this article, I tried them and they paid.

You can earn  1500 and get a fast, affordable loan with Branch! Get the Branch app: Be sure to enter my promo code 78j6k0 to get ₦1500 in credit after repaying your first loan.

The three aforementioned platforms are the quick loan platforms that I have tried personally, and I was able to get instant loans with my Android phone.

Other platforms where you can get loans are:

4. Lidya

Lidya is mainly focused on business. Lidya is a platform for small and medium-sized business lending in emerging markets. A financial services platform to improve access to credit and finance across frontier and emerging markets, starting with Nigeria. launched in November 2016, with a mission to close that yawning credit gap, both in Nigeria and across emerging markets where there is a $2.6 trillion SME credit gap worldwide.

They finance your invoices, equipment, and many other areas, and you will get a loan within 48 hours if you apply and get approved.

Want to learn more about how they work? Kindly visit

5. QuickCheck

QuickCheck is a Nigerian Fintech startup that aims to provide banking services to the underserved. Built by people who work toward solving real-world problems, we found out that a large portion of the Nigerian population has no access to proper banking services. We want to fill this gap!

From my findings, they are paying, but usually for 24 hours or more. You can check them out here:

6. FairMoney Loan App

FairMoney is among the best loan apps now. When I first wrote the article, I rated the platform very low. But they have improved tremendously.

I recently recommended the Fairmoney app to a business woman, and she was given N200,000 as a first timer. I surprised.ised

. You can check them out here: Click here to check them out

Do you know and use any other instant loan platform that you think will be very useful but is not listed here? You can drop a comment below and we will verify it and list it here. You can also email me at [email protected]

You can also check out Top 10 Online Lending Platforms for Small Business Loans in Nigeria.

If you need a standard business plan, check out the list of Business Plan we have

Do you want us to develop a unique business plan for you? Check out our business plan service page

Do you have any questions? Use the comment box below. Thanks

Thank you for reading this post, don't forget to subscribe!

Are you interested in receiving the latest grant, funding, and business opportunities? Join our newsletter for free and stay updated!

Click here to join our newsletter

Join our community:

Join our WhatsApp group

Join our Telegram group

Join our Facebook group

7 thoughts on “Top 6 Platforms to Get a Quick Loan Within 10Mins to 24hrs Without a Collateral”

  1. Olalekan

    Kwik cash loan for etisalat (9th mobile) subscribers

  2. Ibimatic

    This is a very good article, thank you for the update. one i know of too that is giving out loan is Branch, is a mobile lending app, it is easier to access loans up to 200k on your
    smartphone anytime anywhere

    No paperwork simply apply through the branch app and get
    approved in under 24 hours
    No late fees charges or rollovers fees


Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Scroll to Top