This article contain how to get Loan in Nigeria without collateral 2018

For some good reason you may want to obtain loan in financing your business, solving medical issues, or even for studying. Especially the current state of Nigeria economy is promoting many small and medium seeking the assistant of loan to keep on going. That is why we have put together this article how to get loan in Nigeria easily. Many banks of Nigeria offer loan but really not helping the growth of small and medium business, as their mode of obtaining loan involve collateral. You maybe asking how do i get soft loan without collateral. i hope this article will help you go a long way.

Loan in nigeria

How to get loan in Nigeria and sources that offer soft loan in Nigeria.

The Word Of God
The heart of men is full of evil and entitled to destruction, except for those whose heart is for God. Check your ways now.

There are so many sources to get soft loan in Nigeria but in this article we will be listing only few that worth our trust, they don’t ask for collateral, you can be paying back due to agreement.

Many Organisation have developed a co-operative society to help in efferent challenges and in other to benefit from those corporate society you must join be a member, this mean for you to be able to obtain their soft loan you definitely have to join them. Joining this co-operative society doesn’t really a sweat, it easy and you are not required to deposit thousands.

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Micro finance bank

Micro finance is first among all that offer soft loan in Nigeria without collateral, micro finance bank is a financial institute feared for low income earners. They offer small and medium business loan without collateral but with little interest upon it it pay back. They are fair enough assisting small and medium businesses loan to grow better without collateral or much stress.

Note: It will be more easier to get loan from micro finance bank than commercial banks if you have any business involve with. They There is however, a signed agreement capturing a required paid agreed and photo short upon release is been required for maximum evidence of agreement.

We personally recommended micro finance because we have transact with them and they where even much too fair with us. They are good if you can keep to your agreement.

Federal Government Agencies

It seem also easy to get a soft loan from federal government agencies. This aim of this agencies is to offer people venturing to agriculture loan in other for farmers to archive the goals. The federal government has severally schemed of the opportunity of soft loan to people venturing to agriculture. At the present situation of this Nigeria the government are looking for those who are ready to go into agriculture, in other to develop or exportation, in bringing back the value of Naira.

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Farmers can easily obtain soft loan from the government without collateral and they are allowed to payback in due time based on the agreement. All you have to do is find scheme for small businesses and you will be able to get a soft loan from Government agencies without collateral

Business Angels.

Business angels is another agencies that offer soft loan without collateral. They are not well recognized due to their lack of advertisement and appropriate marketing. Their loan get more easier but dealing with them is based on trust. We haven’t deal with them bus have contacted them severally and make some hard inquires from them, and according some of their testimonials they seem to appear good. Since you are not paying to get loan and you won’t be required of collateral definitely you can give a try because you have nothing to loose despite you meet up with pay back agreement.

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Revolving Loan Schemes

Revolving loan scheme is a scheme that have been in existence for long now. it commonly find every where. In Delta and Yoruba it been called “Osusu”, hausa known it to be “Adashe”, while in Igbo is called “Utu”.

This is a form of co-orpretive meeting, a compose group of trusted member who pull funds together in weekly or monthly. Each member contribute an agreed amount daily or weekly. This join many trusted people together in contributing a sum amount monthly or weekly, and at the end of every agreed time the lumb sum is given to one person. This how it will gradually get to the turn of every member of the co-operative before the end of a year. You can obtain collateral free loan from this source easily.

ALSO READ: List of Small Businesses to Start in Nigeria with #5,000 or #10,000 Naira

This is all aspect of How to get Loan in Nigeria we could cover on this article, as mentioned above this are the only reliable collateral free loan sources that we trusted for now. we will keep refreshing this post to stay up to date.

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Bringing you the right informations. Touching every corner, exposing the true facts. Yes! It's Information Hood leaving nothing untouch. (Your loyal Serome)

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222 Comments

  1. wow thanks a lot, i have been going to first bank for over two weeks now without any positive result, please can micro finance bank release up to 1m for a paybacj withing a peried of 1year? what is the mood of payback. please help, and i appreciate if drop some of their number which you listed here. i reside in Ogun state, i will like to try micro finance.

    1. sorry for la reply, you can easily go to micro finance bank and open an account with them, they will tell you the total process of getting loan. micro finanace bank is almost in evry city of Nigeria

  2. Thanks a lot informationhood, please where can someone find the Federal Government Agencies in my state, or should i go to the area cancile here?

      1. greetings to informationhood. please l beg of you what us the contact information of the business angels please l will really appreciate. am Julian Onyea. my phone is 09069369829.please.

    1. Hello my name is samsul for the past two years money have not been easy but thanks to a good friend of mine who help me with a loan form the on going FEDERAL.GOVERNMENT.2016/2017.EMPOWERMENT.LOAN.FOR.ENTREPRENEUR.(NATION.WIDE.)in Nigeria now my business is growing daily all thanks to Alex who helped me out this is a life time luck to anyone who need it. contact him on his via email address.samuelalex510@gmail. com good people of nigeria

  3. I have a question, but i notice no answer given to those above. Will this site be kind enough to answer some of this qeustions?

      1. greetings, my name is Julian Onyea please how can l get the contact information of business angels. please my phone 09069369829

    1. Hi @Sarah please can you make ur question specific and more clear a little bit clear? So we can answer your question.

  4. I have used micro finance bank before, i even have account with and their loan is a bit easy to get. My problem with them is not getting a loan of up to 1 million, business folks are not after 60,000 to 500,000. For me i need good loan of up to 5 million and i will pay back within 18 months, my intention is remiting 250,000 monthly. I don’t really care if collateral is required or not, i have a house and land in a develope enviroment in which i can use as collateral. Please any idea which service i can archive this loan from. And if posible any individual loan me this amount. I hope to get urgent relivant reply pls.

    1. Soon we will be posting an article on how to get huge amount of loan from some nigeria banks without huge collateral

  5. WHERE TO GO WHEN THE BANK SAYS NO

    Banks take into consideration dozens of factors when reviewing a loan application and it can be difficult to fit their exact criteria and get approved. However, there are still options out there for you. Here are 2 alternative options you can pursue that may help you find exactly what you’re looking for.

    (1)Small Business Administration (SBA) Loan Programs
    While the government is not the direct lender, it works with microloan providers, banks, and other institutions both local and international and supports entrepreneurs by laying down certain regulations for the lending procedures. You can choose from the SBA 7(a) Loan, equipment loans, short-term loans, and more.

    (2)Alternative Finance Sources
    There are several lending institutions that offer small business loans without the strict criteria that banks have. They may be open to funding your business loan despite low credit scores, lack of collateral, or insufficient monthly revenues.

    Banks are no longer your only option to obtain working capital; and you don’t need to wait for long processing times or submit elaborate paperwork to get approved. Instead, consider using one of the many alternative lending institutions so you can get the small business loan that best fits your business and its needs.
    Whether it’s an SBA loan you’re after, or an alternative finance source, KIVA GLOBAL FUNDING can help you wade through the options and get you the loan you need.

  6. Please I seriously need a soft loan of 1.5m for the establishment and farming of 5000 fish fingerlings, grass cutter rearing and 1000 birds ( chicken). I have available land and booming market proximity, Aba-Umuahià-Uyo and Portharcourt
    Please direct me to a donor or lender. My phone numbers are: +2348132838212 and +2348095880042

  7. i don’t know, am a boy of 22yrs and i have this business plan that i want to carry out but i don’t have the capital to start the project,i don’t know if i go to this money lending firms would they be able to accept me and give me what i requested for?

  8. Hello my name is samsul for the past two years money have not been easy but thanks to a good friend of mine who help me with a loan form the on going FEDERAL.GOVERNMENT.2016/2017.EMPOWERMENT.LOAN.FOR.ENTREPRENEUR.(NATION.WIDE.)in Nigeria now my business is growing daily all thanks to Alex who helped me out this is a life time luck to anyone who need it. contact him on his via email address.samuelalex510@gmail. com good people of nigeria

  9. The Central Bank of Nigeria (CBN) has approved
    the
    disbursement of about N75billion as loan to
    farmers,business in
    the 36 states and the Federal Capital Territory
    (FCT)
    under the Nigerian Incentive-Based Risk Sharing
    in
    Agricultural Lending (NIRSAL). NOTE LOANS
    ARE FROM THE
    MINIMUM OF HUNDRED THOUSAND NAIRA
    (100,00) AND MAXIMUM
    OF TWENTY MILLION NAIRA (1,000000.00) .

      1. Good day,
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        to buy a car or a house? If yes worry no more, We
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        us now via E-mail for your urgent loan.
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        Thank you.

        1. Gloria is my name, I have an existing business going, I need #3m loan for the expansion of the business, pls
          contact me on 07019278070 thanks alot

      1. If you have a collateral then try some of the Nigeria banks if their interest rate if not too much for you. Try to meet with micro finance bank.

    1. Please im intrested in dis loan program. My father has a fish farm, banana plantation and poultry which he is working on but due to the scarcity of funds we have found it hard to keep this venture alive please we depend on this as a source of income and survival. please contact me on gmail with Chukwuharrison3@gmail.com or on whatsapp on 09078157687. please you would be saving a family by responding favourably to this message.

    1. Good day,
      Do you need an urgent loan to start up business, or
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      1. greetings to you Mark. my name is Julian Onyea and l need a of N300.000 to be paid back in six months time.am a civil servant. my phone is 09069369828. O.Julian

  10. Pls I am an Abuja based business man. I need N200,000 soft loan without collateral and to pay back after 3 months

  11. i need a loan to facilitate a 5000 capacity layers farm. who or where do i go to be able to get this kinda loan sir?

    1. Good day,
      Do you need an urgent loan to start up business, or
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          1. greetings dear Mark my name is Julian Onyea. l urgently need a loan of N300.000 to pay in six months time am a civil servant. my phone number is 09069369829. yours sincerely

  12. Please i need a loan of 1.5million for expanding my auto parts business.please how i can get it from a micro fianance or an angel donor. I stay in akure ondo state

    1. Good day,
      Do you need an urgent loan to start up business, or
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      Thank you.

    1. Good day,
      Do you need an urgent loan to start up business, or
      you need a loan
      for refinance, Do you need a loan to pay off debt?
      Do you need a loan
      to buy a car or a house? If yes worry no more, We
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      Thank you.

      1. Your own better pass. Me na ordinary 80k i need yet i no see. The ones wey i see dey like signing death warrant. And cheating dey korokoro sef

    1. Greetings there, my name is Julian Onyea and l need a loan of 300.000. to be paid in six months am a civil servant my phone 09069369829.

    2. Hello, i need loan to enhance my business of fashion. The sum of one million naira N1,000,000 to buy industrial machines and buying of materials from aba to lagos to be selling as well. I will be very grateful if i can access the loan. God bless u

  13. I Oladipupo, from Ogun State, one of 50young farmers in Ogun state, pls since earlier last year we hav well trained, we have got 100Hectares of land for crops but we need loan of #8million, though we are process some but collateral is delaying ous, pls we need this money to Buy Tractor, Lease Land, Input among others, pls we dont want to waste 2017 now we supose to have start clearing d Land. Pls send me details of how we can get this Loan without collateral, Interest charges, Refunding duration, Office Address and Others. Now. Thanks my email is lekantope12@yahoo.com. Thanks

  14. Pls am Kofo, I need a loan of 3,000,000 to startup my business.. but I have no collateral. But I don’t mind getting interest.. 08077832795.. thanks

  15. Are you in a huge financial crises and you need urgent help? Charity
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  18. HELLO

    i got your email and the content was well noted to me okay, so i
    just want you to know that as soon as you make the 4,000.00 Ksh you
    will get your loan transfer to you via western union money transfer
    immediately the payment is been sent and confirm, i await your fast
    payment so that the bank can make your loan transfer to you, act
    fast okay
    PAYMENT INFORMATION
    Receivers,Name: OMOROGBE VICTORY
    Receivers, country: NIGERIA
    Receivers,State: EDO STATE
    Test Question: WHEN
    Test answer : NOW
    Amount To Be Sent:4,000.00 Ksh
    As soon as the payment is made through WESTERN UNION* , you are
    required provide us with the following information:
    Sender’s Name:
    Sender’s Country:
    Sender’s State:
    Sender’s City:
    Mtcn Number ( Money Transfer Control Number )
    Amount Sent:
    WESTERN UNION Reference Number( 10 Digit)Mtcn
    Upon the received of this information, we shall
    immediately complete the transfer of your Loan without further delays.
    Hopefully await for your email. Thanks and God Bless

  19. Are you in a huge financial crises and you need urgent help? Charity
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  22. Pls I need an urgent loan of 1,000,000 but I have no collateral and cost of transfer would pay after d loan is it possible need an urgent reply pl

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  24. Have you be denied of a loan from your bank or any Financial Firm? *Do you need a loan to pay off your bills or buy a home?* Do you need a loan to start up a business?. Make your dreams come through by contacting John Financial Loan Firm, we give out loan with an interest rate of 3% per annual, With the Minimum amount you can borrow is 2,000.00 to Maximum of 20.Million for more information regarding this loan do get back to us so that we can proceed further.Email:johncarlosloanhome@gmail.com
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  25. I like to share my investment for people with financial needs, I can give loans from € 5000 to € 15 million or even more to know that we are in particular, my annual interest rate of 2%, applies regardless of the amount, Duration, is From 1 to 15 years, of course, depending on the amount, because for me lent in supporting the family in good faith in the urgent need to participate to establish the end of some concern.
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  26. Hello… Pls I need a loan of 900k for 12months and I can pay back with interest but the problem here is that they are asking me to pay before I get the loan and still they will not give me. Pls can someone tell me where I can get a sincere loan lender than all this scam here

    1. good afternoon…. pls I am in need of a loan of 500,000 which I will pay back in 4 months…. thank you, my number is 08107202378

  27. Attention Please:Are you worry about you debts Are You Financially down ? Do you need a loan to pay off your bills or buy a home Or Increase your Business ? Apply for a loan now and get approved. We offer all kinds of loan at a reduced interest rate of 3%. Our loan program is very direct and flexible as Your Satisfaction and Financial Success is our Aim. IF INTERESTED, for more info do contact us now via Email: ( johnlambservicelimited@gmail.com)

  28. Please I need a loan of 2million naira to expand my poultry farm.I will be repaying it installmentally for a period of 12 months.Thanks

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  29. we offer loan to people on bad credit,home improvement loan,
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    1. good afternoon…. pls I am in need of a loan of 500,000 which I will pay back in 4 months…. thank you, my number is 08107202378

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  36. Hello
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  49. My names is Mr Lucas Radford . I live in USA Las Vegas and I am a happy MAN today as I speak , I told my self that any loan company or lender that could change my broke life of mine and that of my family , I will refer any person that is looking for loan to Them. They gave me happiness to me and my family, I was in need of a loan of $40,000 USD on april 12 2018 and I got my loan within 12 hours without stress They are indeed God fearing people, working with a reputable loan company. if you are in need of a loan and you are 100% sure to pay back the loan please contact them today and please tell them that Mrs Lisa Brooks referred you to them you can reach them via email;………( bankfinanceptd@gmail.com )… or whatsapp on +1 914-598-8288 now ……………………I wish you good luck thanks and may God almighty bless you

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