Do You Need A Loan? See Where and How To Get Personal Loans Online

Are you looking for an emergency financial assistance and you have a mobile phone with internet connection at your disposal? What are you waiting for? So long you can pay back at stipulated date. You can now get loans online without doing any much restrictions.

In this post, I will be sharing with you how you can access personal loans online without the need of visiting the bank for any paper work.

Repayment period ranges from 14 days – 6 months, depends on the service providers.

Where Can I Get Personal Loans Online?

1. PayLater

Everything you need to access loans on Paylater is an Android smartphone, Valid Bank details and data connection.

  • Requirements: Valid bank details and BVN
  • Platform: Android
  • Interest rate: 5% to 30%, depending on credit rating
  • Loan tenure: 15 days to 6 months
  • Multiple loans at a time: No
  • Repayment channels: Debit Card, Quickteller and direct transfer

2. KiaKia

KiaKia makes use of a chatbot that takes you through the process of registration and other activities towards getting your personal loans.

  • Requirements: Work ID card, valid bank details
  • Platform: Web
  • Interest rate: 5.6% – 24%
  • Loan tenure: 7 to 30 days
  • Multiple loans at a time: No
  • Repayment channel: Debit card, direct deposit


FINT is more of a marketplace that matches lenders with creditworthy borrowers. The minimum amount of personal loans given out is ₦60,000 and the interest rate is based on borrower’s risk score.

  • Requirements: Valid bank details, valid ID card, and bank statements
  • Platform: Web
  • Interest rate: 9% – 39%
  • Loan tenure: 2 – 12 months
  • Multiple loans at a time: No
  • Repayment channel: Debit card, direct deposit

3. KwiKCash by 9mobile

KwikCash is a mobile loan solution, that allow you to access loans of up to N100, 000 just by dialing *561# with your 9mobile line and get credited in minutes.

  • Requirements: A 9mobile line and valid bank details
  • Platform: USSD (*561#)
  • Interest rate: 10 – 20%
  • Loan tenure: 14 days
  • Multiple loans at a time: No
  • Repayment channels: ATM, debit card and direct transfer/deposit

Steps to Get Loan With KwikCash

  • Step 1: Dial *561#
  • Step 2: Follow the USSD menu to ‘’Request Loan’’
  • Step 3: Select preferred loan offer
  • Step 4: Select bank and input your 10-digit NUBAN
  • Step 5: Confirm repayment amount and accept terms and

How Can I Pay Back?

  • Step 1: Dial *561#
  • step 2: Follow the USSD menu to ‘’Pay Loan’’
  • step 3: Select preferred payment option
  • step 4: Follow the instructions accordingly
  • step 5: Repayment is immediately processed

Read more on kwikcash HERE. Also available for all Glo subscribers.

Sharp Sharp by Credit Direct

Sharp Sharp provides personal loans to both salary earners and entrepreneurs. Loan tenure can be up to 12 months. It also offers loans to young salaried employees in the private sector as well as those on their national youth service year.

  • Requirements: No guarantor, physical documents, personal bank details
  • Platform: Web
  • Interest rate: 3.4% monthly
  • Loan tenure: One month and beyond
  • Multiple loans at a time: No
  • Repayment channel: Direct debit


On Zedvance, loan tenure can be up to 12 months with interest rate which can be as low as 7.5%.

  • Requirements: Valid bank details
  • Platform: Web
  • Interest rate: 7.5% to 58%
  • Loan Tenure: 1 to 12 months
  • Multiple loans at a time: No
  • Repayment channel: Cheques, direct debit/deposit


Getting a loan on this platform requires that you have a source of income with options to choose if you are a student, unemployed or retired as you employment status.

  • Requirements: Facebook account, valid and active phone number, bank details and source of income
  • Platform: Android
  • Interest Rate: 1% daily
  • Loan tenure: 5 to 30 days
  • Multiple loans at a time: No
  • Repayment channel: Debit Card, Direct Deposit


Branch is available in Kenya, Nigeria, Mexico and Tanzania. You’ll be required to register with your Facebook Account or Phone number. The app makes use of your contacts, GPS and sms log and call logs. It is very easy to set up.

  • Requirements: Facebook Account/Phone number, BVN and bank details
  • Platform: Android
  • Interest Rate: 15-21%
  • Loan tenure: 4 – 64 weeks
  • Multiple loan at a time: No
  • Repayment Channel: Debit Card, Direct deposit or mobile banking app

Now, guess you no longer need to run to a friend again who thinks you are a burden to him or her.

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