Swift and secure: Your first online loan in 10 minutes

Apply for a loan
Swift and secure: Your first online loan in 10 minutes

Our Strengths



Simple, swift access right from your phone. Only a single document needed to apply



Count on us as your innovative direct lender. We guarantee data privacy and offer help when you need it most



Simple home-based solutions quickly. Funds transferred immediately with flexible loan durations

How to Apply


Place Your Request Through the App

Apply conveniently via our app with a straightforward form.


Stay Tuned for the Decision

Be on the lookout for our fast decision within 15 minutes.


Accept Your Loan

Have the money transferred to you, usually within one minute.

Download loan app

Live Feedback


Maghiel Bronkhorst

Instantloan.ng was a lifesaver when I needed quick cash for a medical emergency. The application process was smooth and hassle-free, and I received the money in my account within minutes. I highly recommend their services to anyone in need of fast financial assistance.


Mizett Austin

The customer service at instantloan.ng was exceptional. The representatives were friendly, knowledgeable, and went above and beyond to ensure I had a positive experience. I will definitely be using their services again in the future and recommending them to family and friends.


Devoreaux Gilbert

Instantloan.ng made it easy for me to get the money I needed quickly and without any stress. The website was user-friendly, and the approval process was fast. I appreciate their transparency and professionalism throughout the entire transaction. Thank you for your outstanding service!


Thys R.

I was impressed by how efficient and reliable instantloan.ng was when I needed a loan urgently. The entire process was straightforward, and I had the funds in my account within hours. I am grateful for their prompt assistance and will continue to use their services in the future.


Bern Kriel

My experience with instantloan.ng exceeded my expectations. Not only did I receive the funds I needed promptly, but the terms of the loan were fair and transparent. I was pleasantly surprised by the level of professionalism and customer care provided by their team. I will definitely be a returning customer. Thank you for your exceptional service!

Place Your Request Through the App

Apply conveniently via our app with a straightforward form.

Download loan app

Online loans in Nigeria via BVN

  • Amount ₦5,000 to ₦100,000
  • Term From 30 days including all loan extend
  • Interest rate 0,01% - 1,2% per day
  • Decision 2-5 minutes
  • Age of borrower 18-62 years old
  • Occupation Currently employed or with a stable source of income
  • Location Nigerians that are currently living in the Nigeria
  • What are the requirements National ID, Mobile phone

Instant Loan: Benefits and Usefulness

Instant loans have become a popular financial option in Nigeria, offering quick access to funds for individuals in need of immediate cash. These loans are designed to provide a convenient solution for short-term financial needs, offering various benefits and practical uses for borrowers.

Benefits of instant loan in Nigeria

One of the key benefits of instant loan in Nigeria is the speed at which funds can be accessed. With online platforms and mobile applications, borrowers can apply for a loan and receive approval within minutes, allowing them to address urgent financial needs promptly.

Additionally, instant loan require minimal documentation and have simple application processes, making them accessible to a wide range of individuals, including those without a strong credit history. This ease of access makes instant loan a convenient option for emergency situations or unexpected expenses.

  • Quick access to funds
  • Minimal documentation
  • Simple application processes

Furthermore, instant loan in Nigeria often come with flexible repayment options, allowing borrowers to choose a repayment schedule that suits their financial situation. This flexibility can help borrowers manage their finances effectively and avoid falling into a cycle of debt.

Usefulness of instant loan in Nigeria

Instant loans can be a valuable tool for individuals facing a temporary cash crunch or unexpected expenses. Whether it's covering medical bills, car repairs, or other emergency costs, instant loan provide a quick and convenient way to access funds when needed.

Moreover, instant loan can also be used for investment opportunities, such as starting a small business or pursuing further education. By leveraging instant loan, individuals can seize opportunities that may not have been possible without access to immediate funding.

How to Choose the Right Instant Loan in Nigeria

When looking for an instant loan in Nigeria, it's essential to consider factors such as interest rates, repayment terms, and the reputation of the lending institution. Comparing loan offers from different providers can help borrowers find the best terms and conditions that align with their financial goals.

  • Compare interest rates
  • Review repayment terms
  • Consider the reputation of the lender


Instant loans in Nigeria offer a range of benefits and practical uses for individuals in need of quick access to funds. By providing a convenient and flexible financial solution, instant loan can help borrowers effectively manage emergency expenses, seize investment opportunities, and navigate temporary cash shortages.


What is an instant loan?

An instant loan is a type of loan that provides quick access to funds, usually within a few hours or days of application.

How do I apply for an instant loan in Nigeria?

Most lenders in Nigeria offer online application processes for instant loan. You can visit their website, fill out the application form, and submit the required documents to apply.

What are the requirements for obtaining an instant loan in Nigeria?

The requirements for getting an instant loan in Nigeria may vary among lenders, but commonly required documents include a valid ID, proof of income, bank statements, and a utility bill.

Can I get an instant loan with bad credit in Nigeria?

Yes, some lenders in Nigeria offer instant loan to individuals with bad credit. However, the interest rate may be higher, and the loan amount may be limited.

How long does it take to receive the funds from an instant loan in Nigeria?

Once your loan application is approved, you can typically receive the funds in your bank account within 24 hours.

What happens if I miss a repayment on my instant loan in Nigeria?

If you miss a repayment on your instant loan, you may incur late fees or penalties. It can also negatively impact your credit score and make it difficult to borrow money in the future.

Are there any hidden fees associated with instant loan in Nigeria?

Some lenders may charge hidden fees such as processing fees, late payment fees, or prepayment penalties. It is essential to read the loan agreement carefully and ask the lender about any additional fees before borrowing.