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Home LOAN & INVESTMENT

Loans for unemployed in Nigeria

Enudi Golden by Enudi Golden
June 9, 2022
in LOAN & INVESTMENT, Featured
Reading Time: 5 mins read
Secured vs. Unsecured Loans in Nigeria: Which Loan is Right for You?
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Loans for unemployed in Nigeria : I conducted extensive research on some money lending platforms in Nigeria that provide loans to the unemployed.

Is it true that some credit facilities in Nigeria require your most recent three months of income before your loan can be approved?

So, if you’re wondering if you can get a loan in Nigeria as an unemployed youth or citizen without collateral, the answer is yes. Read on as I share 15 loans for unemployed Nigerians in 2022.

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How to get a loan as an unemployed in Nigeria?

If you are unemployed, one of the easiest ways to secure a loan is through quick loans. We also know this loan option as short terms loans. With the advancement in Technology there are many Fintech companies that offer loans you can leverage. This loan option offers flexible repayment options and you can access them at most 24 hours after application. To access these loan options you can choose any of these financial institutions. Furthermore, these loan options require no paperwork or collateral before you can access them.

Loans for unemployed in Nigeria

  • Aella Credit:

This is an app-only platform that you can use to access quick loan options. They design this loan offering for Nigerians to access more funds. This ranges between #1,500 to 700,000. The repayment option is flexible, with an interest rate of 4%-29% monthly. Aella credit loan has a maximum tenor of 2 months.

  • Carbon

Since its inception, Carbon has grown to be one of the most reliable when it comes to accessing quick loans in Nigeria. Once you meet up with all their requirements, you will be able to access the loan you request in minutes. All you will need is to provide your Bank verification code and other details for them to determine your loan worth. Their app. Is available for Android and iOS. The repayment for loans with carbon is flexible and the interest rate ranges from 5%-10%.

  • Branch

As an unemployed, branch is also another platform with which you can access quick loans. You can access loans from #100,000 to #200,000 within 24 hours of application. Their interest ranges from 15% to 34% depending on the amount they offer you. To access this loan option you do not need any collateral or any source of income.

  • QuickCheck

This financial organization provides you with loan ranging from #10,000 to #500,000. For a start, they will offer you #10,000 if they approve your application. They do this to test your trustworthiness and also to see if you can meet up with repayment. After your first loan, if you meet up with their expectations, they will then increase the amount you can access. One good thing with them is that the earlier you pay back the lower your interest rates.

  • FairMoney

Fair money is a lending organization that is licensed to provide its customers with short-term loans ranging from #2,500 – #150,000. To access their loan offerings, you will need to provide them with your Bank Verification Number and your debit card. In addition, you will also need to provide them with other details such as your residential address and phone number,. After this, they will determine if you qualify for their loan or not. Fair Money interest rate ranges from about 5% – 28% with a tenor of a month to 26 weeks.

  • Baobab Loans

It doesn’t matter if you are employeed or unemployed in Nigeria. With baobab group loan application which you can apply from their website and get a minimum loan amount of N20,000 and a Maximum amount of N50,000,000 without collateral.

Baobab Loans are specifically based on business loans just like Lapo SME Loan, they offer loans for business that are already in existence / operation in Nigeria.

  • Myspecta Loan

Myspecta loan is one of the best 24hrs loans in Nigeria offering quick cash loans in minutes without collateral or paperwork.

Myspecta loan is in partnership with the Sterling bank which makes it possible for anyone to access loans of up to N5 million even if you are unemployed in Nigeria.

I have written a quick review on Sterling bank loan partnership with Myspecta, you can read more about them

  • Pagefinancial Loan

If you are a reader on loansbid.com then you will agree with me that ever since we started the search on emergency online loans in Nigeria that Pagefinancial has been on every page of them.

It has also made it to the list of our Top 10 loans in Lagos which offers cash loans for unemployed in Nigeria up to N5 million in less than 3hours, whenever and wherever you need it.

  • Jumia Loan App

The jumia loan is a micro loan specifically designed for students who are still unemployed in Nigeria and can borrow up to N30k without collateral or guarantor.

The jumia loan is a hassle and stress free loan application which can be applied through the jumia pay app and get access to micro loans

  • Creditdirect

If you ever need money to start up a business, clear your bills or secure your future then credit direct loan is the best choice for you.

Credit direct is a sure Plug for your financial solution offering you up to N1,000,000 loan even if you are unemployed in Nigeria.

All loan application form can be accessed through their website at creditdirect.ng.

  • Fast Cash Loan

FCMB FastCash is a convenient, paperless credit facility with no collateral required for your emergencies and urgent needs. It is an instant loan and the application is through Fcmb loan ussd code *329*11#.

Through the Fcmb loan, you can get Instant cash of up to N200k which is available to employed and unemployed customer’s in Nigeria.

  • LMoney Loan

Are you looking for loans with Instant loan approval and quick disbursement of cash in Nigeria within 24hrs? Then a trial with LMoney will convince you.

You can get access to loans of up to N2 million naira with LMoney whether employed or unemployed in Nigeria.

Conclusion

Unemployment is a major issue all over the world. The job market is as competitive as it has always been. Regardless, as an unemployed person, you must survive. This is why there are numerous financial institutions offering various loan options to meet your needs. Their loans are quick to disburse and will be deposited into your account as soon as you meet their requirements.

Check out the Related Posts below:

  • Best platform for Student Loans in Nigeria 2022

  • 10 Best New Loan Apps in Nigeria with Low Interest Rate 2022

  • How to Apply for Ecobank Loan in Nigeria

  • Opay Credit Me loan 2021 – How To Access Opay Loan & How To Repay Opay Credit Me

  • I’m Unemployed but I Need Money Now – See what to do

  • List of Federal Government Loan 2022 | See How to Apply

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