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10 Best Quick Loans in Nigeria for Civil Servants

Are you a civil servant in Nigeria looking for Loan? If yes, see quick loans in Nigeria for civil servants. See the best 10 providers, their interest rate and requirements.

Loans are a pleasant alternative available to individuals who are in urgent need of money to solve their financial problems and quick loans is like an icing on a cake as it makes it easy to receive loans without any stress or hazzle.

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Everybody wants access to quick loans that can be used to solve immediate financial problems or invest in that small business as a small business owner and civil servants are not left out as they require quick loans to tide them over before they collect their salaries at the end of the month.

10 Best Quick Loans in Nigeria for Civil Servants

Civil servants are government workers or public servants who due to their meager income source for a loan to meet their daily financial obligations and what better way for this to be achieved than to have access to quick loans that can be obtained immediately after application and with little or no interest.

See Also: Loan in Nigeria; Top 20 Providers, Requirements And Conditions

Having access to quick loans helps meet the three motives for the demand for money which includes the transactions motive to fulfill the daily expenses like feeding, clothing, payment of house rent, transportation fee, electricity bill, etc and this can only be possible if there is money available. Civil servants are salaried workers and this one of the major reason why access to quick loans is very important.

There is also the precautionary motive which is crucial because of unforseen contingencies or unexpected expenditures which include, sickness, unexpected visitors, or repairs and quick loans in this situation is more than the best solution for civil servants.

Having money to invest in a profitable venture is also why quick loans are very important and this is the speculative motive for the demand for money.

Sometimes this quick loans can’t meet up to long term investment projects but for short term investment and civil servants don’t only rely on their jobs in which sometimes they don’t receive salary and having a small scale business like doing petty trading can help sustain them until when they are to receive their salary.

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There are many reasons why people need loans and the right platform to grant them such loans is what is very important.

It has been made quite easy for your convenience to get the loan you need by getting easy access to their platforms through their websites or apps and following the necessary procedures to obtain the loan required.

Loans applied for, once approved would be sent directly to your bank account in less than 24 hours.

This article is aimed at letting you know the best quick loan platforms available in Nigeria for civil servants that would help satisfy their nagging financial problems.

10 Best Quick Loans in Nigeria For Civil Servants

1. Palmcredit:

This online loan platform grants instant loans .

Credit limit :#100,000

Loan on this app is approved instantly.

Interest rate:7%

No paperwork and collateral is required.

Bonus is awarded when you refer a friend.

24/7 online service to help with any of your demands.

For more information visit www.facebook.com/Palm credit or simply download the app from the Google play store.


2. Paylater

This loan platform provides short-term loans for urgent needs.

It is fast, secure and reliable and works 24/7.

It is currently available in Nigeria and Ghana.

Credit limit :#1, 000,000

Interest rate :2% monthly on the first loan.

Loan duration :60days to 6months.

Loans granted within minutes.

It requires no documents or collateral.

You can earn a interest of 15.5% by investing in their investment plan.

Requirements :a Android device, data connection and a valid bank account.

Loan application on this online platform is open to students, salary earners or self employed people as well as civil servants.

No hidden charges or late fees.

Rewards are given if loans are repaid on time, transactions are executed or friends are referred. Rewards are in the form of larger loans, lower interest rates and free cash.

Download the app to enjoy this service or you can visit their website www.paylater.ng for more information.

3. FairMoney:

This online loan platform makes it easy for you to access loan via your mobile device anytime, anywhere for all your needs.

Once a loan has been applied for and approved, the loan is sent directly to your bank account via the fair money loan app. It is fast, secure and reliable.

A reward is given when the loan is paid back on time.

It uses your smartphone data including your SMS history to verify your identity. Credit limit: #100, 000

Interest rates:5% to 28% Loan duration :4 to 24 weeks

Try their loan service today and you will not regret it.


4. Branch:

This instant online loan platform is available in four countries which includes Kenya, Tanzania, Nigeria and Mexico.

It makes it easy for you to access loans and you can borrow up to 150,000 naira. The term range for repayment is 4 to 64 weeks.

Interest rates:14% to 28%

It does not require collateral or any other documents.

Just visit the website and register and your loan would be immediately deposited in your bank account. You can visit their website for more information:branch.com.ng or download the app.


5. QuickCheck:

This is yet another beneficial instant loan platform in Nigeria that makes life easy and comfortable for you.

You don’t need to stress yourself thinking of medical bills to pay or school fees or any other unexpected cash problems.

Quick check grants you loan within 24hrs of application.

It also gives you the opportunity of buying airtime for yourself and loved ones in a seamless manner. It is secure, fast, and easy to use.

You can borrow up to 30,000 naira with no hidden charges.

Interest can be paid for the number of days you take the loan at 1% daily.

For more information, you can check out their website: www.quickcheck.ng


6. Aella Credit:

This is yet another wonderful loan platform that grants instant loans.

Requirements:Your name, employer ID number.

Loans applied for are quickly sent to your bank account in less than 2 minutes.

Email:support@aellacredit.com for more information or download the app.


7. Sokoloan:

It provides short-term loans in Nigeria to help cover unexpected expenses or urgent cash needs. No collateral is required.

Download the app to know more.


8. Snapcredit:

it demands employer registration and bank details.

It also provides instant loans.

Loan duration :1 to 12 months


9. Creditville:

It is another quick loan platform that requires simple steps before the loan you want is granted to you.

You just have to fill in the application form, submit the loan amount you need and wait for approval in which you would be contacted by one their agent and once everything is settled, your loan would be paid directly to your bank account within 36 hours.

Interest rates:5% to 8%

Loan duration :12 months

Repayment of loans:direct debit, online payment or funds transfer.


10. Fint:

This quick loan platform provides short-term or long-term loans.

Short-term credit limit:#3000 with a repayment period of one to six months.

Long-term credit limit:#3000 to #10, 000 with a repayment time of one to six years.

Requirements:Your official names, email address, phone number to determine your creditworthiness and verify your identity in other to you the fastest loan.

They charge for late repayment of loans.



Quick loans are really convenient as it does not require the rigorous process of providing collateral or any documentation before a loan can be granted to you and most of the quick loans platforms mentioned above is really suitable for civil servants who can meet up to their requirements without any stress because they are employed unlike those who are unemployed and need extra certification before loan is granted to them.

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Cynthia Victor

Cynthia Victor is a Content Developer at InfoGuideNIgeria.com. InfoGuide Nigeria is a team of Resource Persons and Consultants led by Ifiokobong Ibanga. Page maintained by Ifiokobong Ibanga. If you need a personal assistance on this topic, kindly contact us.

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