How to Get a Loan in Nigeria Without a Salary Account?

Are you in dire need of money and thinking of getting a quick loan but hesitating because loans without salary accounts sound odd? If yes, then I have the good news of the day for you. So the thing is, now you can get a loan in Nigeria without a salary account.

You must be feeling excited and relieved after hearing this news, but to know how you can get a loan in Nigeria without a salary account, you need to read our quick guide. In this blog, we will share all the possible ways to get a loan quickly, even if you are a non-salary earner. So stick around.

Loan Apps in Nigeria

With the increasing inflation, sometimes it becomes difficult to manage finances, and many of us must have experienced this in life and end up borrowing money from someone or getting a loan. Usually, banks don’t lend loans to non-salary earners, but that’s not something you should be worried about.

You must be thinking, why? It’s because we have a list of options where you can get a loan in Nigeria without a salary account.

All the Nigerian people who are disappointed because they are not getting loans from any bank just because they don’t own a salary account, we have your back. I am sharing some fantastic apps that lend money, and you don’t need a salary account for that.

I got my hands on it earlier this year when I needed a loan for my studies, and no bank was accepting my loan application. These apps helped me several times in hard times, and I am sure these will be helpful for you, too.


FairMoney is the most reliable loan option in Nigeria without a salary account. With this app, you don’t need to follow a strict and tiring application process. All you have to do is download the app, fill in your basic information, and request a loan.

It hardly takes five minutes to complete the process, and the app’s AI will analyze your details with their eligibility criteria. If you are eligible, you will get the loan right away. Isn’t it easy and quick?


Branch is another loan app that grants instant loans to the user. If you want to apply for a loan at the Branch, all you have to do is download the app from the App Store and provide your information.

The system will verify your details and proceed with the process. The loan application process via the Branch is not long, but remember that your loan should be between ₦2,000 and ₦500,000.

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If you can’t get a loan in Nigeria without a salary account, then QuickCheck can save you from financial difficulties. I use it personally whenever I am short on money before paydays. The loan application process is quick and simple.

Just download the app from the App Store, open an account, fill in personal details, and you are good to go. Your account will be credited with the desired amount as soon as you apply for a loan and the verification process is completed.


Carbon is next on the list of apps that grant loans in Nigeria without a salary account. The best thing about Carbon is to receive a loan; you don’t need a salary account or collateral. Moreover, I have bought several electronics using this app, which means apart from getting a loan amount, you can purchase home appliances and gadgets with Carbon.

Just download the app from the App Store and register yourself by adding your details. Follow the screen instructions and apply for a loan.

Make sure you don’t exceed ₦1,000,000 whether you are buying appliances or sending a loan application. You will receive the loan when your application is accepted.


Aella app is known for granting loans to people who don’t have a salary account. If you are a non-salary earner and have had no luck receiving bank loans, then Aella is the one for you. You can get up to ₦1,000,000 loan from Aella.

With Aella, you don’t have to go through the long loan application process. Just download the app on your smartphone and register yourself. After registering, all you have to do is send a loan amount request to Aella and wait until it gets approved.

That’s all. As soon as your request is approved, you will receive the loan and repay it in the given time.


Another reliable source of getting a loan in Nigeria without a salary account is Sokash. I always look up to Soaksh whenever I need a loan for a short or long period. What I like the most about Soaksh is that it doesn’t keep you waiting for long and grants loan amounts in just two hours.

Moreover, the loan range in Sokash is up to ₦ 5,000,000, which only a few authorities offer without a salary account. To get a loan from Sokash, all you have to do is download the app and register yourself there. The app system will verify your BVN details to determine your loan eligibility and show details so you can send a loan request and borrow the money.

Where can I get an urgent loan in Nigeria?

You can use loan apps like Carbon, FairMoney, Branch, etc., or Microfinance Bank by the Central Bank of Nigeria (CBN) to get an urgent loan.

Can an unemployed person get a loan in Nigeria?

Getting a loan in Nigeria as an unemployed person seems impossible, but it is not. Although finding a creditor to borrow money with no salary account is difficult, a few banks, loan apps, etc., provide loans to non-salary earners in Nigeria.

There was a time when non-salary earners were not entertained when requesting a loan. However, things are not the same now. You can now get a loan in Nigeria without a salary account. We have mentioned all the easy options to get a loan without a salary account.

Whenever you need extra money to manage finances or cope with an emergency, don’t forget these accessible and convenient ways of getting a loan in Nigeria without a salary account. These platforms will quickly take you out of financially challenging situations. Give them a try today.


Article Modified on October 28, 2023. The data in this article is written and collected by multiple authors. Learn how we research on About Us.