35 Best Loan Apps in Nigeria With Low Interest Rate

Looking for the best, new and most reliable quick, urgent, or instant new loan apps in Nigeria? (i.e., loan in minutes with a low-interest rate)? Look no further!

There are many loan apps in Nigeria that operate secure platforms with flexible repayment plans. And whenever you require urgent cash and cannot wait until payday or month end to receive your income, or if you are running a business and need to increase your working capital, consider one of these loan apps.

There are several loan platforms and digital banks available, so you could be tempted to get in touch with whoever is closest to you at the time. It can be vital to only use instant loan apps in Nigeria that have a strong reputation, integrity, and brand name to protect given the threatening and libellous messages being sent by many fraudulent loan apps and loan sharks nowadays.

For access to urgent cash loans, we have carefully chosen the top quick loan apps in Nigeria based on credibility. Our list includes apps that, even if you fall behind on payments, won’t threaten or embarrass you. Lending platforms that employ severe and unethical methods of loan recovery are not supported by or endorsed by us. We forbid our readers from doing business with these loan sharks.

How to Use the Instant Loan Apps in Nigeria to Apply for Emergency Cash

Most quick loans don’t require collateral and don’t require any physical paperwork; you may apply online with just your phone. You can submit an application for immediate cash by going to the lender’s official website. For the purpose of processing your loan, you must input your personal and income information. Your loan application may be granted or denied by the lender once you upload the proofs online for verification.

Read: Business Ideas: How to Start Beekeeping (Farming) Business in Nigeria

Another simple method for applying for quick loans is to download the smartphone app. Download the app from the Google Play Store or the App Store, then sign up using an existing social media account or by making a new one. Upload the appropriate documents after providing the necessary information, such as your address, BVN, NIN, bank information, and so forth.

Most lending apps typically come with advantages like simple registration, quick verification, and no need for collateral, documents, or guarantees. But you could have to put up with their higher interest rates and shorter terms, which often last between one and twelve months.

Top #32 New Loan Apps in Nigeria (Top Loan Organizations in Nigeria)

Below is the list of quick loan apps in Nigeria that we’ll be expanding on:

1. PalmCredit Loan App

Palmcredit is among the top lending loan in minutes apps in Nigeria. With Palmcredit, you can apply for a loan directly from the app for as little as ₦2,000 or as much as ₦100,000. Quickly borrow money online with the Palmcredit App, submit an application for an instant loan with a flexible repayment plan and favourable interest rate

Obtaining quick online loans on Palmcredit is a very simple and quick process. You have the power to obtain the loan you desire with just a few simple steps.

PalmCredit Monthly interest rate: 4%~4.7% while Loans Interest Rate ranges from 14% to 24%.

Loan limits range: ₦2,000 to ₦100,000 with a repayment period between 91 days to 180 days.

Additionally, Palmcredit offers incentives for referring customers to the company

Install the PalmCredit app through the Google Play Store.

2. CreditVille Loan App

CreditVille is a proprietary fintech group with various services including loans, leases, finance, investment, asset management, banking, foreign exchange, and real estate. It has its headquarters located in the heart of Victoria Island, Lagos, with five other branches across Nigeria. For people who are employed and business owners, CreditVille offers instant cash loans to help with any pressing demands. It is a go-to loan app for emergency funds in Nigeria for either personal or professional needs.

CreditVille is so excellent that you can obtain a vehicle loan there in order to purchase the vehicle of your choosing.

To be able to meet their financial demands, CreditVille offers unsecured loans between ₦100,000 and ₦4,000,000 for up to 18 months.

Payday loans from CreditVille Limited are rapid loans for people who make a living from their salaries. You may also acquire salary loans from CreditVille, which are likewise quick and stress-free.

Simply go to CreditVille’s official website, fill out the application, and you will receive your requested loan quickly and without any hassle.

So those are my top 10 loan applications in Nigeria for quick loans for either personal or professional needs.

3. Renmoney

Renmoney is another top loan app in Nigeria headquartered are in Lagos.

On the Renmoney app, getting a quick loan only takes a few simple steps. For employed or self-employed individuals as well as business owners, Renmoney offers instant internet loans. As a result, you can borrow between ₦6,000 to ₦6,000,000 and repay in 3 to 24 months if you require an urgent personal or company loan.

Monthly interest rates: 2.76% – 9.33% repayable in 3 -24 months

By going here, you can access the Google Play Store and download the Renmoney app

4. KiaKia Loan App

The KiaKia Platform is another safe option for rapid loans and money borrowing in Nigeria. In the Yoruba territory of Nigeria, KiaKia means fast-fast, indicating that the loan application is fast and disbursement is quick

KiaKia Money is prepared to provide loans if you have a business and need money to grow it.

You can access loans from Sterling bank, the legitimate owner of Kiakia loans, by dialling *822# on your mobile device.

For additional bank customers? For loans from other lending institutions in Nigeria, dial this USSD code.

To begin the borrowing process, all you have to do is go to the Kiakia official website at any moment. A virtual, personalized agent has been assigned to you and is available whenever you need them.

Kiakia’s interest rate: is from 5.6% – 24%.

5. ALAT By WEMA Loan App

Another immediate lending loan in minutes app in Nigeria that offers cash advances without collateral or security is ALAT by WEMA. All Alat customers have access to loans through the Alat App or website.

As with everything else on ALAT, you may now apply for a rapid loan without providing any collateral or paperwork, without having to visit any physical locations, and with response times of just minutes between the offer being accepted and the loan being disbursed. Now, you are able to borrow up to ₦2,000,000 without putting up any security.

Click here to access the Google Play Store to get ALAT By WEMA app for Android devices.

CLICK HERE to download ALAT by WEMA app for iOS devices from the Apple Store.

6. Branch Loan App

Branch is one of the top instant online loan apps in Nigeria for quick cash disbursement and is among the top choice for the service with the best reputation. A rapid loan of up to ₦500,000 may be obtained with ease through this financial lending software, which also allows users to send money for free and earn annual investment yields of 20%.

Through the Branch app, you can easily apply and receive approval in less than 24 hours. The customer service team at Branch is available around-the-clock and does not impose restrictions on how you may use your money or levy late penalties or rollover fees. This is one of your best options if you’ve ever wanted trustworthy loan applications in Nigeria for fast cash.

The only requirements are your phone number or Facebook account, bank account number, and bank verification number (BVN). Additionally, they will ask you to access the information on your phone in order to raise your credit score.

Click here to apply for a loan from Branch.

7. FairMoney Loan App

Looking for a good loan app in Nigeria? Here is what a user of the app said:

You can obtain loan sizes ranging from ₦1,500 to ₦1,000,000 with 61- to 18-month repayment terms and monthly interest rates between 2.5 and 30% (APRs from 30% to 260% )

Click here to access the Google Play Store and download the FairMoney app.

8. Aella Credit Loan App

By utilizing technology and the high rate of mobile uptake among Nigerian borrowers, the Aella Credit loan app seeks to streamline and expand financial access for all in emerging economies. According to repute, it is an instant loan app in Nigeria for emergency funds.

The credit company’s purpose is to assist consumers in achieving financial independence by giving them access to straightforward goods including rapid loans, instant cash, investment options, and bill payment.

How to Use the Aella Credit Loan App

• Install the Aella app.
• Make an account.
• Refresh your profile.
• determine eligibility
• Request a loan
• Money is deposited into your bank account.

By clicking here, you can access the Google Play Store and download the Aella Credit app.

Click here to access the App Store and download the Aella app.

9. GTWorld Quick Credit

You have access to a mobile and banking loan app through GTWorld that is made to meet your financial and banking needs. However, you must first open an account with the bank in order to use its services. According to user reviews, the site is our second choice among rapid loan apps in Nigeria for 2022.

Key characteristics:

• Use a 4-digit PIN, your face, or your fingerprints to log in and complete your purchases.
• Without logging in, you can check your account balance, transfer funds between accounts, and purchase airtime.
• Create a beneficiary list from your contacts and use merely the recipient’s mobile number to donate money.
• You can use your phone to create savings targets and submit loan applications.
• Send your account statements to an embassy of your choice or to your email address.

Click here to access the Google Play Store and download the GTWorld app.

10. XcrossCash

XcrossCash is a new way to get a loan in minutes in Nigeria. They offer mobile financial services. And guaranteed loans of up to N100,000 in 5 minutes!

Your credit limit might be activated by the lender, and you can withdraw money for immediate necessities. Additionally, you have the option to increase your credit limit in a variety of ways, giving you access to a bigger limit, cheaper interest rate, and a more flexible repayment schedule.

Features

 Limit from ₦ 10,000 to ₦ 50,000

– Repayment periods from 91days to 180days

– Monthly interest rates from 4% to 4.7%

– Annual%age rate (APR) from 24% to 56% per year

– Example: If you choose a 6-month loan and borrow ₦10,000, Xcrosscash charges an interest rate of 4% per month.Interest rate: 24% and the APR is 48%.180 days repayments of ₦24,00. The total amount payable is ₦124,00.

By clicking here, you can access the Google Play Store and download the Xcrosscash lending app.

11. Umba Loan App

Umba allows users to apply, draw down and repay loans directly from their smartphone or desktop computer. The lender takes great satisfaction in becoming the top digital bank in Africa. Users of the app can apply for, receive, and repay loans online using a desktop or mobile device.

Once an individual is verified, it makes lending decisions based on an assigned risk rating.

How to get started with Umba

• Create your account
• Apply in seconds
• Receive an Umba Loan
• Increase your loan limit every time you repay a loan on time

Click here to access the Google Play Store and download the Umba app.

12. Money in Minutes Loan App

According to user and customer feedback and reputation-based ranking of rapid loan applications in Nigeria, Money In Minutes is among users’ top choices. The site is run by MIM Finance Company, Nigeria’s first instant-cash lending platform and a UK-based company with a presence on three (3) continents.

You can get reasonable credit through the platform for a variety of requirements and goals thanks to its comprehensive and wide product selection.

Click here to submit an application for a Money In Minutes Loan.

13. Page Financials

One of the top instant loan applications in Nigeria for short-term loans is Page Financials, which has been offering cutting-edge digital solutions for more than 6 years and has a license from the Central Bank of Nigeria (CBN).

Once your loan has been accepted, the organization will give you fast cash. It also offers investing and other financial services via its different channels, including the internet and mobile app platforms. Its exceptional goods and services are developed to satisfy the financial needs of its wide range of customers.

Click here to submit a loan application for Page Financials.

14. Lendigo Loan App

Lendigo is Nigeria’s top provider of SME financing and is a reliable rapid loan application in Nigeria. The lending platform provides convenient, quick, and flexible access to working capital for Nigerian SMEs in accordance with their operational demands and financial criteria.

You can apply for a Lendigo loan in a matter of minutes and have it processed if you are an SME that offers professional and retail services as well as merchants of general goods including electronics, computers, phones, clothing, and household goods.

15. Migo Loan App

On our list of reliable instant online loan in Nigeria for fast cash loans, is Migo (previously kwikmoney). The application gives you access to a quick loan and, if you like, the ability to withdraw cash from an ATM or make purchases from businesses without a smartphone, point-of-sale equipment, or plastic cards.

Migo works to make sure that as soon as you finish your application session, your online loan request enters your account (or the account of the merchant you are paying).

The maximum Migo loan amount for a new customer is ₦50,000, with loan amounts ranging from ₦10,000 to over ₦500,000. To apply for a Migo loan, you don’t need any collateral, guarantors, or supporting documents.

Migo interest ranges from 5% – 25%.

An Android phone, your financial information, including your BVN, and a fully completed online application form are all you need.

Dial *561# for MTN, 9mobile, and Glo or *554*561# for Airtel to apply for a Migo loan. Choose “Request Loan” from the list to view a list of your personalized loan offers.

CLICK HERE to fill out a Migo loan application.

16. Access More

The Access More App is a financial app that, among other things, offers PayDay loans to its users and is owned by Access Bank Plc. The only restriction is that the services are only accessible to bank account holders, so you must open a new account to make use of them.

Click here to access the Google Play Store to get the app for Android devices.

17. Loan Specta

With the help of the online lending platform Specta, you may get up to ₦5 million in loans in only one transaction and within 5 minutes! No paperwork, no collateral, and no trips to any offices.

You may handle urgent personal and professional demands anywhere, at any time, using Specta. A personal loan up to ₦5 million without collateral can be accessed in only 5 minutes with the Specta4individuals package.

Click here to submit a Specta Loan application.

18. Carbon Loan App

Carbon, formerly known as PayLater is a digital loan that doesn’t need guarantees or collateral. If you start modest and repay as soon as it’s due, you can eventually access larger amounts of money that you might not be able to obtain on your first try.

The loan app platform is open around-the-clock. On the weekends and on holidays, you can apply for immediate cash and receive a quick loan.

Click here to access the Google Play Store and download the Carbon app.

19. Lidya

Lidya is an American-owned financial organization that has a branch in Nigeria and offers small businesses fast no-collateral loans. The corporation has offices in the United States, Portugal, Nigeria, Poland, and the Czech Republic, as well as other nations on three continents. According to Lidya, small firms can receive quick loans between ₦50,000 and ₦30m in just 24 hours.

Lidya Loan Process

Lidya SME Loan evaluates enterprises, creates a credit score particular to each business, and disburses loans in 24 hours or less to assess credit risk.

The procedures for obtaining Lidya small business loans are as follows.

• Use your bank statements to get your loans
• Upload your transaction history. Upload your data quickly and safely to our platform. Your data will be analyzed in 24 hours.
• Understand your transaction data. Have a record of all your transactions that you can access online, anytime and anywhere.
• Be qualified for a loan. If your business needs more working capital to grow, this is the premier option for you.

Click here to apply for a Lidya business loan.

20. SukFin

SukFin Loan offers SMEs in Nigeria a free and simple way to explore and get financing for their businesses. The company uses technology and industry knowledge to connect SMEs with different lenders, offering them access to a range of financial options throughout Nigeria. As long as you give them the needed information, applying is simple, and money can be in your account shortly.

How Small Business Loans from SukFin are Disbursed

• Tell them how much money you require and for what.
• Your criteria will be matched with the lenders on SulFin.
• They will finance your small business and get your loan approved.

SukFin SME Loan Scheme is aware of how difficult it can be to secure funds for your company in Nigeria. SukFin was established with one goal in mind: to make it simple for company owners to find the best financial options.

The business collaborates with a wide range of lenders from the entire business funding industry. They assert to have assisted a large number of their clients in locating unsecured loans, invoice finance, equipment leases, startup loans, and other financial products.

21. Quick Credit

One of the best trustworthy rapid loan apps in Nigeria is Quick Credit. The platform aims to offer convenient lending and speedy loan services to borrowers and mobile users.

Users can obtain qualifying loan products through a 100% online approach with a few easy steps and little paperwork. The loan money will be deposited right away to the applicant’s bank account after approval.

Quick Credit Feature

• Tenure: From 91 days to 365 days.
• Loan Amount: ₦1,500 to ₦50,000.
• The maximum Annual APR is 36%.
• Origination fee: From 1% to 9%.

By clicking here, you can access the Google Play Store and download the Quick Credit app.

22. Coolbucks

Coolbucks loan is disbursed within minutes after receiving your application. The money lending company issues unsecured loans without requiring any kind of security.

After submitting your application, Coolbucks can start paying out from 5 minutes to 24 hours, depending on your profile. Within minutes, the site can provide you with up to ₦5,000,000.

Additionally, the platform provides low-income consumers with small ticket loans starting at ₦15,000 and high-income customers with loans up to ₦5,000,000. Borrowers have up to 30 minutes to access loans.

23. Starloan

Starloan platform offers practical loan services to mobile device users. The funds will be transferred right away to your account if approved.

Starloan Feature

• Amount of Loan: ₦1,000 to ₦300,000
• The shortest loan term is 120 days, and the longest is 365 days.
• Loan interest: Variable based on the borrower’s risk tolerance and loan term. The interest rate ranges from 10% to 28% annually.
• Service fee: zero

Click here to access the Google Play Store and download the Starloan app.

24. QuickCheck

On our list of the top 30 loan applications in Nigeria based on reputation and quick cash loans for 2022, QuickCheck comes in at number 23. The program employs machine learning to quickly assess loan applications and forecast borrower behaviour.

Following your application, your credit score will be immediately assessed to determine your eligibility using machine learning. You must finish all applications on your Android device.

Downloading the QuickCheck app from the Google Play store will allow you to start your application. Once the app has been downloaded, sign in using your Facebook email address and password and complete the required information.

Currently, the QuickCheck app is only accessible on Android-powered smartphones. However, will let the public know if and when they decide to launch additional operating systems.

CLICK HERE to submit a QuickCheck loan application via the Google Play Store.

25. KashNow

Users can access fast lending facilities to address small cash demands through a protected and dependable platform using the KashNow App, a digital loan product of UC Plus Advance Limited.

Consumer financing company UC Plus Advance, a division of United Capital Plc Group, is dedicated to offering you effective alternative lending solutions.

KashNow loans normally have a one-month term or are repaid with the following paycheck and vary from N10,000 to N50,000. KashNow is simple, fast, easy, and handy.

Products by KashNow

• KashNow for employees of any organization (Federal government, State government or Private organizations) whose salary is being processed through the Remita payment platform.
• Asset-Backed loan (A short to medium-term loan for individuals against their investments)

To submit an application via the web, click here

26. MoneyPal (Zedvance)

MoneyPal, owned and operated by Zedvance Limited a consumer finance company, provides loan solutions to meet all of your demands, no matter what they may be. According to the corporation, a qualified individual or small business can obtain a rapid loan of up to ₦5 million in just five hours. Loan terms of up to 24 months are available to customers at an annual%age rate (APR) of 34.8% to 365%.

27. Capital C24

According to a broad survey of users on the Google Play Store, C24 Capital is a platform with a focus on delivering services that can be accessed online, from any internet-enabled device anywhere in Lagos, and offers retail loans for customers in need of immediate financial solutions.

Because C24 Capital does not have a presence on Google Play or the App Store, applications must be submitted online.

How Can I Get A C24 Loan?

• Read through the loan requirements to discover whether you qualify by checking your eligibility.
• Personalize Your Offer by deciding on the amount and duration of the loan.
• Borrow & Repay: After completing the application, submit it, and you’ll receive your loan amount with your own terms in a matter of hours.
• Click here to apply for a personal or business loan with C24 Capital

28. Fair Credit Loan

Fair Credit is a top choice loan app in Nigeria. It offers loans in the range of ₦1,500 and ₦1,000,000 with terms ranging from 95 days to 18 months and interest rates per month that range from 2.5% to 30% (APRs from 28% to 32%).

For early repayments, it offers interest savings of up to 90% and states there are no additional expenses.

The app is much more versatile than merely a borrowing app. A microfinance bank with the proper Central Bank of Nigeria license owns Fair Credit. As a result, the Nigeria Deposit Insurance Corporation has insured all of your deposits (NDIC).

Click HERE to download FairCredit from the GooglePlay Store.

29. Baobab Loans

Baobab Microfinance Bank has little to no documentation needed for the platform. It disburses loans to people and business owners to help them develop and grow their enterprises. They offer loans in a variety of categories.

If all requirements are completed, according to the loan company, credit decisions and disbursements can be made within 72 hours. Baobab offers loans between ₦20,000 and ₦50,000,000 with the least amount of administrative red tape, repayable in 1 to 24 months.

Baobab offers loans starting at ₦20,000 and going up to ₦50,000,000. Both depend on how well the borrower can repay the debt as determined by criteria like verifiable business inventory and other factors.

Apply for Baobab Loans

30. Express Loans

The Best and Newest Personal Loan App for Everyone is Express Loan.

Express Loans enables rapid loans for everyone, even if they don’t have a bank account or credit card. Express Loans, which conducts extensive credit checks and risk management while offering customers a straightforward money lending experience, is powered by AI technology and cloud computing.

It might only take a few minutes to apply and receive approval for an Express Loan. Applying for a cash advance is quick and easy; just submit your National ID and follow the on-screen directions. When the application is accepted, funds can be transferred right away to the bank account.

What Express Loans Offer

• No Extra Charges
• 34% annual interest rate.
• Loan duration: require repayment – 90 days to 180 days.
• Processing charges: 4.9%. The charges will be taken out of the credits.

As an illustration, if a user chooses to borrow KSH 1500 with a three-month repayment term, the interest will be KSH 121.5 and the processing charge will be KSH 73.5. The total amount owed is KSH 1621.5; you will receive KSH 1426.5.

Get a loan instantly in 5 easy steps:

● Download our Express Loans app for FREE now!

● Simple & fast advanced loan application process; apply for money loans based on the amount you need.

● Provide basic information and bank details

● Submit an application for approval

● The approved amount will be credited into account within 3 working days

To Download Express Loans On GooglePlay Store

Within three working days, the approved sum will be credited to your account.

31. SokoLoan Loan App

SokoLoan is a different app that shouldn’t be overlooked or left off the list of the finest loan applications in Nigeria. For obtaining Short Term Loans in Nigeria, Sokoloan is a very user-friendly and practical app.

Soko Lending Company Limited, a microfinance institution, aims to enhance the chances for the underprivileged to access financial services by offering financial services to low-income entrepreneurs, students who are continuing their education, and more.

Your loan limitations rise the sooner you repay the money you borrowed. For rapid loans in Nigeria, you can always use the Sokoloan money lending platform or app.

The SokoLoan app is available from the Google Play store.

32. EasyNaira Loan

EasyNaira is a mobile-friendly digital lending platform EasyNaira asserts that it can completely and continuously serve consumers online. The loan amount will be paid to the applicant’s bank account right away after a brief application process that requires little verification.

EasyNaira Loan Features

• Loan duration: Loan terms might range from 91 to 365 days.
• Loan amount: The loan ranges from 30,000 to 300,000 Nigerian Naira (NGN).
• Interest rates for loans range from 2.4% to 12%, with an equal monthly interest rate of 0.4% to 2% and an annual%age rate (APR) of 4.8% to 24%.

Applying for a loan:

• Check Eligibility: You just have to fill in some basic information to see if you are eligible for a loan
• Complete profile: Submit your basic information including the required documents
• Get Instant Loan: When the loan gets approved, Money is instantly deposited into your bank account

Apply and get EasyNaira from the GooglePlay Store.

33. Newcredit Loan App

Newcredit is one of the financial apps that offers loans to qualified individuals with no collateral. They are among the list of trusted and reliable financial service companies in Nigeria. 

To get started, you will have to download the Newcredit loan app. After installing it, create an account with your details and verify the information through an activation link which we are sent to your email. Upon approval, you will be able to apply for a loan of  ₦5,000 to ₦300,000.

How to Download NewCredit App and Apply for NewCredit loans.

First, go to Google Play Store download the Newcredit App, instal it and create your account with the required details. Here is the breakdown of how you can successfully download the Newcredit Mobile app:

• Use this link to Download NewCredit App from the Google Play Store and install it on your mobile phone.
• Sign up with your phone number.
• Fill in basic information, including your residential address, next of kin and employment details.
• Submit your Biometric verification number BVN and connect your ATM card to your account as a means of repayment.
• After the submission of your loan application, wait for the approval. Approval doesn’t take that long as the verification process and checking of your creditworthiness and credit score will be done by the system.
• Once approved, the amount you requested will be credited into the account attached with your Newcredit loan app.

Note: To avoid difficulty connecting your debit card to your Newcredit account, kindly use a Visa card or MasterCard as the app does not readily bind with Verve ATM cards.

34. EasyCredit loan App

EasyCredit loan App is one of the best and safest loan apps in Nigeria. So if you are looking for a very secure and reliable Android loan App, choose Easy Credit.

EasyCredit offers instant loans to Nigerians on the basis of personal and business purposes. You can borrow between ₦5,000 and ₦100,000 for your personal and business purposes on the EasyCredit loan app.

The EasyCredit loan app uses AI to collect and analyze customers’ data to assess their creditworthiness and offer them a loan.

EasyCredit loan app is an approved loan app and the app has been a benefit for many people with lots of positive feedback pouring in on the Google Play store.

If you are borrowing a loan, make sure you pay on time and save yourself from being embarrassed as they usually report to your contacts when you default on your loan.

How to apply & log in for EasyCredit Loans App?

Obtaining an EasyCredit loan is pretty much easy and can be done in a few steps:

• Search for the EasyCredit Loan app on the Play Store or Apple store. Or follow the link below to download and install the iMoney Easy credit loan app from the Google play store.
• Provide information about yourself, including your employment, ID card, BVN number etc.
• Verify that the information you have provided is accurate and correct.
• Wait for approval; once your account has been verified, you can now expect your money to be deposited into your bank account.

XtraCash Loan App

Xtracash is a money lending platform that provides financial inclusion using technological innovations – offering financial help to businesses and individuals by giving short-term loans.

XtraCash Loan is made available through Quickteller (a subsidiary of Interswitch), which acts as a third-party financial technology-driven platform. The loan is only available to residents of Nigeria, Ghana and Zambia at the time of writing.

How to Apply for XtraCash Loan Application Process

Interested applicants can quickly complete the process of applying for a loan on the Xtracash platform in just 3 steps:

1. Create a Quickteller account

2. Add a debit card to your Quickteller account

3. Apply for the loan.

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