There are many loan apps in Nigeria today that do claim that they give a loan and also approved by Google play store, but when it comes to loan access and how much you will be able to get, this have some challenges as how much you’d be able to borrow can be vary sometimes.
Some loan apps will give you a loan of 15000 naira while some might give you more or less but asking Which loan app can give me 15000 Naira? we have put together not only but loan apps that will give you 15000 naira or more so that you can be able to fix what you need and also have enough remain with you.
listed below are the loan apps that are legit and can give you a loan in Nigeria with any diffculties.
1. Branch
If there’s one app here that I can say is as real as the Carbon (PayLater) loan app, it’s definitely the Branch app.
The main reason I like the Branch loan app is that it gives you more time to pay back your loans before you have to.
Branch gives you a full month before you have to start thinking about paying back your first loan, while other lenders only give you 1–2 weeks.
Even though some of you might think their interest rates are a bit high, especially for loans of 15,000 or more, that doesn’t change the fact that they are one of the best loan apps you can get in Nigeria right now.
2. QuickCheck
If you’ve been looking for the best loan apps in Nigeria for a long time and haven’t found QuickCheck, you haven’t been looking hard enough.
Some of the things I like about QuickCheck, and that will make me quick to suggest it to anyone, are that, first, they give you a loan quickly, just like their name says, and, second, they give you a lot of different ways to pay back your loan.
You can choose when it’s best for you to pay back your loan, which could be in 7 days, 2 weeks, a month, or even longer, based on how much you’re borrowing.
Now, the sweet spot is that no matter what time range you choose, the interest rate goes down the more quickly you pay off the loan. So, let’s say you borrowed 5,000 NGN and have two weeks to pay back 6,000 NGN.
If you can pay back this loan on time, way before it’s due date, you might only have to pay 5,500 NGN or even less, based on how early you pay it back.
Also, the app’s design is very user-friendly and simple to use. All of these things make it one of the best loan apps in Nigeria, period.
3. OKash
Late in 2019, Okash started offering online loans. Since then, they’ve been able to get up to one million borrowers on their website and a 4.4 out of 5 star rating on the Google Play store.
Among the things I like about them are the following:
First, they don’t need your BVN to set up an account. Second, unlike other loan apps that give you a small amount on your first loan request, Okash gives you at least 3,000 NGN or even more, based on the information you give.
Okash is one of the best loan apps you can find, but if you don’t pay back your loan on time, it can quickly become the worst.
Okash won’t waste any time calling your phone to ask for money and sometimes even threaten you. They can even send text messages to your friends saying you borrowed money through their platform and have refused to pay it back.
That doesn’t sound good, does it?
4. XCredit
Many people may not have heard of XCredit, but it is easily one of the best loan apps in Nigeria, and I have used it myself.
The only problem is that the app design might not look as friendly and professional as the ones we’ve already talked about, but it does work.
One more thing to keep in mind is that XCredit will gladly keep adding a 1% late payment fee to your loan for every day you’re late paying back your last loan.
So, let’s say you borrowed 5,000 and have 10 days to pay back 6,500. If you didn’t pay back the loan by the due date, XCredit will keep adding 65 to your debt every day until you can pay it back.
So, based on how long it takes you, you might end up paying back 7,000–8,000 for a 5,000 loan you took out. Also, like Okash, you can expect to get a lot of calls and even threatening text messages.
So, in this case, I’ll tell you to think long and hard before getting a loan from them, and you should only do so if you’re sure you can pay the money back on time or before the due date.
5. 9Credit
Like XCredit, 9Credit might not sound familiar to many people, but it works, and for some, it might be one of the best loan apps in Nigeria.
The app interface might not look very welcoming, nice, or professional, and if that wasn’t enough of a hassle, the time you have to pay back your loans is much less than with other lenders.
Imagine giving someone just 7 days to pay back a loan of N15000. That’s not fair, to be honest. If someone can make N15000 in seven days, what’s the point of getting a loan?
So, once again, and just like I said about Okash and XCredit, you should think carefully before getting a loan from these guys, and you shouldn’t do it unless you have no other choice. Otherwise, I’d suggest you stick with the first four apps I mentioned above: Carbon, Fairmoney, Branch, and Quickcheck.
6. PalmCredit
Even though I haven’t used the Palmcredit loan app because they wouldn’t give me a loan for reasons best known to them, I have no reason to doubt the app’s legitimacy based on the number of positive reviews and downloads they’ve gotten so far on Google Play Store.
So, if you’re reading this, you can just click on the link above to download the app. Once you’ve done that, it’s easy to apply for a loan on the platform by giving them all the information they ask for about you.
After that, they’ll decide if you’re qualified for a loan and let you know. All done.
So feel free to give them a shot.
