Loans Without ATM Card

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Are you in need of a loan but don’t have an ATM card? Don’t worry! There are still several ways to get a loan without an ATM card. In this blog post, we will discuss the top five options for taking out a loan without an ATM card. We will explore the different types of loans available, including secured and unsecured loans, as well as the pros and cons of each. We will also look at the different requirements and qualifications for taking out a loan without an ATM card.

Aella Credit App

One great option for those in need of a loan but without an ATM card is the Aella Credit app. This app allows users to apply for and receive loans directly through their smartphone, without needing an ATM card for verification. Aella Credit is based in Nigeria but offers services throughout Africa, providing a great resource for those who may not have easy access to traditional banking options. 

With a simple application process and fast approval times, the Aella Credit app is a great option for those who need quick access to funds but don’t have an ATM card. Plus, the app offers flexible repayment options, making it easy to manage loan payments on your own terms. 

Palmpay Loan

Palmpay is a mobile payment platform that offers quick loans without the need for an ATM card. With Palmpay, users can access instant loans up to N100,000, payable over a period of one to three months. This service is available to anyone with a verified Palmpay account and an active phone number. 

To get started, simply download the Palmpay app from your app store and sign up for an account. You will need to provide your personal information and upload your ID card for verification. Once your account is verified, you can apply for a loan by selecting the “Loans” option on the app’s homepage. 

Palmpay will analyze your creditworthiness based on your transaction history and issue you a loan offer with interest rates ranging from 4.5% to 28%. 

If you accept the loan offer, the funds will be deposited into your Palmpay wallet instantly, and you can use the money to meet your financial obligations. To repay the loan, Palmpay will automatically deduct the agreed amount from your wallet on the due date. It is essential to repay your loans promptly to maintain your credit score and qualify for higher loan amounts in the future. 

Palmpay’s loan service offers a convenient and accessible way to access quick loans without the need for an ATM card. However, it is essential to use the service responsibly and only take out loans when necessary.

Branch App Loan

Another great option for getting a loan without an ATM card is the Branch app. The Branch app is designed to help individuals gain access to affordable loans in just a few minutes, without any hassles. This app also allows you to access your funds easily and quickly. 

To get a loan through Branch app, you’ll need to download and install the app on your mobile device, provide basic personal information, and connect your bank account. Once you have completed these steps, the Branch app will automatically evaluate your loan eligibility and offer you different loan options. 

With Branch app, you can borrow up to ₦200,000 and enjoy a flexible repayment plan, tailored to suit your financial situation. The app also offers competitive interest rates, ranging from 15% to 34% per annum. This makes Branch app a viable option for anyone in need of a quick loan without an ATM card.

One of the benefits of using the Branch app is the ease of access. You can easily apply for a loan using your mobile device at any time of the day, without having to visit any physical location. The app also offers a seamless loan disbursement process, where the funds are credited to your bank account in minutes.

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Okash Loan

Okash Loan is another option for those who are looking to secure a loan without an ATM card. This app provides instant loans to qualified borrowers within minutes. The loan amount can range from as low as 2,500 KES to as high as 50,000 KES, with a repayment period of up to 14 days. The app requires users to create an account and provide basic information such as name, phone number, and employment status to access the loan facility.

One of the main benefits of Okash Loan is that the interest rates are relatively low, ranging from 5% to 15%, depending on the amount and duration of the loan. The app also offers flexible repayment options, and borrowers can repay their loans early without any penalties.

However, like other loan apps, Okash Loan has some limitations, such as requiring borrowers to have a smartphone and access to the internet to apply for a loan. Also, it’s important to note that the loan app charges a one-time processing fee of 7.5% of the loan amount.

Also, Okash Loan provides an easy and accessible option for borrowers who need quick loans without an ATM card. Its user-friendly interface and flexible repayment options make it a popular choice among Kenyans who need financial assistance. However, borrowers should carefully consider their repayment capabilities before borrowing and ensure that they can meet the terms and conditions of the loan to avoid unnecessary penalties and fees.

QuickCredit App Loan

QuickCredit is another amazing loan platform that you can access without an ATM card. This platform provides you with quick loans ranging from ₦1,500 to ₦500,000 with a maximum repayment tenure of 12 months. The app allows you to access loans anywhere and at any time of the day without the need for collateral. 

To apply for a loan on QuickCredit, simply download the app on Google Playstore, complete your registration and then apply for a loan. Your loan application will be reviewed within minutes and once approved, the funds will be disbursed to your account within 24 hours. 

QuickCredit has a flexible repayment plan that is tailored to your income and cash flow. They also offer a grace period of 90 days for all loans to help you make repayments at your own pace. QuickCredit charges a one-time fee on every loan granted and the amount of fee charged depends on the loan amount. 

To improve your credit score on the QuickCredit platform, ensure that you pay your loans on time and in full. QuickCredit reports all loan repayment data to the credit bureaus, which means that your loan repayment activities can have an impact on your credit score. 

FairMoney App Loan

FairMoney is another loan provider that doesn’t require an ATM card. It is a mobile lending platform that provides loans of up to ₦500,000 ($1,281) without collateral. The loan repayment period is flexible, ranging from 1-6 months. The interest rate ranges from 10-30% depending on the repayment period.

To apply for a loan with FairMoney, you need to download their app on your mobile device, create an account, and submit the required information. You will be required to provide your BVN, bank account details, and personal information. Once your application is approved, your loan will be disbursed to your bank account within 24 hours.

One of the unique features of FairMoney is that it provides loan offers based on your credit score. As you continue to use their services, your credit score increases, and you become eligible for higher loan amounts with lower interest rates. FairMoney also provides a loan calculator that enables you to calculate your monthly repayment and choose the loan amount that suits your financial situation.

Umba App Loan

The Umba App is another option for getting a loan without an ATM card. This app provides quick and easy loans to individuals who meet their eligibility requirements. With Umba, you can borrow up to Kshs. 70,000 and repay over a period of up to 6 months. The app also offers a flexible repayment plan that allows you to pay in installments.

To apply for a loan with Umba, all you need to do is download the app, register, and apply for the loan. The app requires you to provide some personal information such as your ID number, employment details, and your phone number. Once you submit your loan application, Umba will assess your eligibility and approve the loan if you meet their criteria.

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Umba offers a unique feature where they give you an initial loan offer which you can either accept or decline. If you accept, you will be taken through the next steps of the loan application process. However, if you decline, Umba will continue to search for a loan offer that suits your needs.

One of the advantages of Umba is that it provides you with loan offers even if you have a low credit score. The app considers other factors such as your income, employment status, and financial behavior. If you repay your loans on time, your credit score will improve, and you will be able to access higher loan amounts and lower interest rates in the future.

GTB Quick Credit App Loan

GTB Quick Credit App is one of the most popular online lending platforms in Nigeria, and it offers loans without requiring an ATM card. With this app, you can access up to N5 million in just a few minutes.

One of the advantages of using GTB Quick Credit App is that it requires no collateral, and the loan repayment duration is flexible, ranging from 6 to 12 months. The interest rates are also very competitive, starting at just 1.5% per month.

To access a loan on the GTB Quick Credit App, you will need to download the app from the Google Play Store or Apple App Store, register with your BVN and other personal information, and submit your loan request. The app will evaluate your application and provide a decision within minutes.

If you are approved, the funds will be disbursed directly to your GTB account, and you can start using the funds immediately. The repayment will also be deducted directly from your GTB account on a monthly basis.


Can I get a loan without an ATM card?

Yes, it is possible to get a loan without an ATM card. Some lenders and loan apps offer alternative methods for loan disbursement, such as bank transfers or mobile wallets.

Which app can lend me money without an ATM card?

There are several loan apps in Nigeria that offer loans without requiring an ATM card. Examples include Carbon (formerly Paylater), Branch, FairMoney, and Renmoney. These apps provide options for loan disbursement and repayment that don’t necessarily involve an ATM card.

Can I borrow from PalmPay?

Yes, PalmPay is a financial services platform in Nigeria that offers various financial products, including loans. You can borrow money from PalmPay by downloading their mobile app, completing the loan application process, and meeting their eligibility criteria.

How do I borrow a loan with USSD code?

To borrow a loan using USSD code, you typically need to have an account with a bank or a loan app that supports USSD-based transactions. You can dial the specified USSD code provided by the lender or loan app, follow the prompts, and provide the necessary information to apply for and receive a loan.

How do I get access to an instant loan?

To access an instant loan, you can use loan apps or platforms that offer quick and convenient loan services. These apps usually have a streamlined application process, fast approval times, and immediate disbursement of funds upon approval. Examples of such apps in Nigeria include Branch, Carbon, and FairMoney.


Obtaining a loan without an ATM card has never been easier than it is today, thanks to various loan apps that have made the process simpler. These apps provide instant loans without the hassle of providing a physical ATM card. From Aella Credit App to Palmpay Loan, Branch App Loan, Okash Loan, QuickCredit App Loan, FairMoney App Loan, and Umba App Loan, there are numerous options to choose from. 

GTB Quick Credit App Loan is also an excellent option for those looking for a quick and convenient loan without an ATM card. The loan process is simple, fast, and can be done from the comfort of your home or office.

However, while these apps provide easy access to credit, it’s important to use them wisely and responsibly to avoid getting into a cycle of debt. Before applying for any loan, ensure that you understand the terms and conditions and can afford the repayments.

In conclusion, loan apps that provide instant loans without ATM cards are great options for those in need of urgent funds. With a range of options available, borrowers can choose the one that best suits their needs and repayment abilities. Remember to borrow wisely and always pay back on time.

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