Enter your email address below and subscribe to our newsletter

Where to Get Urgent Cash Loan Without Documents in Nigeria

By Oluchukwu Ikemefuna

Share your love

Accessing urgent cash loans without documentation in times of financial urgency can be a lifesaver.

Whether you’re facing unexpected expenses, medical emergencies, or urgent bills, there are options available to help you get urgent cash loan without documents in Nigeria.

How to get Urgent Cash Loan in Nigeria

From online lending platforms to peer-to-peer lending networks, these lending companies offer hassle-free solutions for obtaining urgent cash loans without the need for long paperwork.

In this article, we will show you the lending companies in Nigeria from which you can get urgent cash loans instantly without submitting any documentation.

Let’s dive in and uncover your options!

Okash Loan App

Okash is a lending company that is committed to serving the financial needs of its customers in Nigeria.

It is a lending company that is committed to serving the financial needs of its customers.

To get a loan from this company, you do not have to go through the hassle of providing a payslip, proof of residence, and bank statement, among other items that most lending companies demand. 

All you need to be eligible for this urgent cash loan, is your Facebook account, a smartphone, and your bank account. Also, you have to be between the ages of 22 and 55 to qualify for the loan.

You have to download the Okash loan app from the Google Play Store or App Store to get started

After downloading the app, the next thing to do is sign up to the app, then apply for the urgent cash loan.

Note that the least amount you can borrow is ₦ 1000 and the highest is ₦10,000 with a monthly interest of 25-35% monthly.

Carbon Instant Loan

This is one of the most popular no-document money borrowing schemes because its app is very easy to navigate.

The procedure is seamless for individuals who need urgent cash loans without documents in Nigeria.

Carbon’s mission with the Instant Loan is to make loan applications easy. The process does not require any collateral, form, guarantor, or hidden fee.

Also, the process is fully online, and you will get your loan in minutes when it is approved.

According to Carbon, the loan amount ranges from ₦2,500 to ₦1,000,000, with repayment periods ranging from 3 to 12 months at a monthly interest rate of 4.5%–30%.

The Carbon Instant loan has an annual percentage rate of 195% per year. 

JumiaOne Loan App

Jumiapay is a financial product from one of the leading e-commerce giants in Nigeria.

Picture Source: Pinterest

The application to get an urgent cash loan from the JumiaOne app is seamless. The process does not require any paperwork or collateral, and the repayment process is very easy.

Its interest rate ranges from28% to 31%,% and once the loan is approved, you receive the money within 5 minutes. As a new borrower, you are only eligible to borrow ₦10, 000.  

Loans are only available through Jumia’s Android app and there are different types of loans available:

Business Loan

This type of loan is tailored for businesses and business owners to cover some payments, expenditures, and commercial operations.

Payday Loan

Payday loan is tailored for salary earners and career professionals. You have to be working in an organization to be eligible for this urgent cash loan.

It poses a short repayment time as it has to be paid back between 2 to 4 weeks.

Student Loan

Student loan is for students in tertiary institutions to aid their school needs. The repayment period for this type of loan spans from 6 months to 1 year.

Criteria to Get Urgent Cash Loan without Document

To be eligible to get urgent cash without a document from the JumiaOne loan app, you need to possess the following:

  • An android Phone
  • Your bvn bank details
  • Your valid personal bank details.

Fairmoney Loan

According to the Fairmoney Microfinance bank, they are the most downloaded fintech app in Nigeria, with over ₦10,000 loan disbursements daily. 

Picture Source: Pinterest

One of the reasons why they have garnered this traction when it comes to loans is that they are one lending platform that provides urgent cash loan.

Also, the loan application process is seamless and your loan will be approved in few minutes with little to no documentation as all you have to do is download the app and follow your screen prompts to get the loan. 

Additionally, with the Fairmoney loan, the minimum amount you can borrow is ₦10,000 and the highest is ₦40,000 with an interest rate that ranges between 18% and 30 %.

Finally, there are numerous loan types in the Fairmoney loan app, which includes payday loans, business loans and student loans among others.

Renmoney Loan

Renmoney Microfinance Bank is another platform where you can get urgent cash loans in Nigeria.

The bank offers different types of loan packages, like small loans, Medium sized loans, and large loans, but the small loans are no-document loans.

Renmoney’s small loan ranges from ₦5,000 to ₦100,000 with no paperwork, guarantor, or collateral needed, and your loan will be approved between 30 seconds and 5 minutes.

To get started in the loan application process, you can download the Renmoney app from Google Play or the App Store, sign up, and then follow the prompts on your screen. You can also get more details about the small loan on their official website here

When you get on the the website, under the section tagged ‘Loans’, click on ‘Apply Now’, then under the section tagged ‘Choose your Loan’ Click on Small Loan, then indicate how much you need, for how long, your employment status, and your monthly income, among others.


In conclusion, when you’re in need of urgent cash in Nigeria but don’t have time for lengthy paperwork, there are lending companies available to help you out.

These loan companies offer quick and hassle-free solutions to meet your financial needs. However, it’s essential to proceed with caution and carefully review the terms and conditions of any loan offer before accepting.

By doing so, you can ensure that you’re making a well-informed decision and accessing the funds you need with confidence.


Absa Instant Loan Declined: What To Do When Your Absa Loan Application is Declined

Build it Material Loan: how to Get a Loan to Build

Wema Bank Suspends 4 Fintech Partners, Permanently Removes 3 Others

You can check out other useful content by following us on X/Twitter: @siliconafritech. 

Instagram: @SiliconAfricaTech. 

Facebook: @@SiliconAfrica

Share your love
Peremoboere Numa
Peremoboere Numa

Pere is a versatile SEO writer with a Master's degree in English, who is dedicated to creating engaging and impactful content.

She excels in weaving content that not only informs, enlightens and impacts but but also optimize its online presence to rank on major web sites.

Pere brings a unique blend of linguistic proficiency and SEO knowledge, ensuring that each piece she crafts leave a lasting impact.

Articles: 100

Newsletter Updates

Enter your email address below and subscribe to our newsletter

Stay informed and not overwhelmed, subscribe now!