Apps To Borrow ₦50K to ₦80K in Nigeria with Low Interest – No BVN Needed for Some

Flat digital illustration showing a man receiving Naira notes from a mobile phone screen, symbolizing borrowing ₦50K–₦80K in Nigeria with low interest and 3-month repayment. — Get ₦50K to ₦80K loan in Nigeria today — low interest, fast approval, and up to 3 months to repay.

Need urgent cash app to borrow ₦50k to ₦80k in Nigeria? This guide covers the best loan apps that can borrow you the amount with low interest and up to 3 months repayment, some without needing your BVN. Find safe, legit options here.

In Nigeria today, it’s not unusual to find yourself needing quick cash—maybe for emergency bills, school fees, rent, or business needs. Many Nigerians search online for:

“borrow me 50k with low interest”
“loan apps that can borrow me 80k without BVN”
“loan apps with 3 months repayment plan”

The good news? There are several trusted loan apps in Nigeria that now offer loans from ₦50,000 to ₦80,000 at relatively low interest and with flexible repayment terms of 60 to 90 days (2–3 months).

In this post, I’ll show you:

The best loan apps that can borrow you ₦50k or ₦80k
Their interest rates
If they require BVN
Repayment period
And how to apply successfully without rejection

Quick Summary: Loan Apps That Can Borrow You ₦50k–₦80k

Loan App	Amount Offered	Interest Rate	Repayment Term	Requires BVN?	App Link
FairMoney	₦10k–₦500k	~10–30%	Up to 90 days	Yes	Download
Palmcredit	₦5k–₦300k	14–28%	91–180 days	Yes	Download
Branch	₦2k–₦200k	15–34%	62–180 days	Yes	Download
Carbon	₦20k–₦500k	5–20%	30–90 days	Yes	Download
EasyCredit	₦3k–₦100k	20–35%	91–180 days	No	Download
XcrossCash	₦10k–₦100k	20–30%	91–180 days	No	Download

Why You May Be Searching for a ₦50K or ₦80K Loan Right Now

Maybe you:

Just lost your job and need money to hold body and soul together.
Got an urgent family issue that can’t wait.
Run a small business that needs restocking.
Want to complete your rent before landlord wahala starts.
Or maybe you just want to avoid borrowing from friends (again).

You’re not alone. In fact, “borrow me 50k with low interest” is one of the most searched phrases on Nigerian Google right now. And for good reason.

What You Really Want in a Loan App

Before I list the apps, let’s be honest. You’re probably looking for:

A loan app that won’t stress you.
Something that gives at least ₦50,000 to ₦80,000.
Low interest rate — because you don’t want to pay back double.
At least 2–3 months to repay, not 7 days!
And maybe (if possible), an app that won’t ask for BVN.

Let’s look at the real options that check these boxes.

Need ₦50K to ₦80K Urgently in Nigeria? Here Are Real Loan Apps That Can Help — Low Interest, Up to 3 Months Repayment

1. FairMoney – Fast, Trusted, and Up to ₦500K

If you want a trusted app that gives ₦50k or ₦80k without too much stress, FairMoney is top of the list.

What they offer: Up to ₦500,000
Repayment time: 1 to 3 months (sometimes more)
Interest: Not bad at all — between 10–30%
BVN needed? Yes

Why people love it:
It’s fast, secure, and once you repay early, they increase your loan offer. I’ve used them and they paid in under 5 minutes.

“I applied for ₦80k and got ₦74k after charges. Paid back in 2 months. No stories.” — Kelvin, Lagos

👉 Get FairMoney on Play Store

2. Palmcredit – If You Want Flexibility and No Phone Calls

Palmcredit has been around for a while. No drama. They send money fast and let you pay back in 3–6 months, depending on your loan size.

Loan range: ₦5k – ₦300k
Repayment: From 91 days (3 months)
BVN? Yes
Interest: Medium (around 15–28%)

Real talk: First loan might be lower, but if you repay on time, they upgrade you fast.

“I started with ₦20k, now they give me ₦90k regularly. The app is peaceful.” — Amaka, Port Harcourt

👉 Download Palmcredit

3. Branch – Easy and International

Branch is one of the easiest apps to use. No collateral, no office visit. You just install the app, fill in your details, and boom — loan approved or declined instantly.

Loan amount: ₦2k to ₦200k
Repayment period: 2 to 6 months
BVN: Yes
Interest: Fair — 15–34%

They also let you repay little by little, instead of bulk payment.

👉 Download Branch

4. Carbon – Smooth Experience + Low Interest for Good Users

Formerly known as Paylater, Carbon is now more like a digital bank. They’re clean, legit, and if you have a good record, they charge you very little interest.

Loan range: ₦20,000 – ₦500,000
Repayment: 1 to 3 months
Interest: As low as 5% for trusted customers
BVN? Yes

Why people recommend it: Very low interest if you’re loyal. They also give you options like bills payment, airtime cashback, and virtual cards.

👉 Get Carbon App

5. EasyCredit – No BVN Needed for First Loan

You’ve probably searched for “borrow me 80k without BVN”. Here’s one of the few real apps that might give you money even if you haven’t linked your BVN yet.

Loan limit: ₦3,000 – ₦100,000
Repayment: 3 to 6 months
BVN? Not for first-timers
Interest: Around 20–35%

“I got ₦30k with no BVN. Paid back early. Second loan required BVN, but no big deal.” — Faith, Enugu

👉 Download EasyCredit

6. XcrossCash – Fast and Doesn’t Always Ask for BVN

This app is one of the lesser-known ones, but it’s fast and sometimes doesn’t require BVN. Just note — the interest is higher, so use only if you’re really in a fix.

Loan amount: ₦10k to ₦100k
Repayment: Up to 180 days
BVN? Not always
Interest: A bit high (25–35%)

What If They Reject Your Loan?

I know that feeling when you apply for a loan and the app says: “Sorry, your loan is not approved at this time.” Ugh.

Here’s what can help:

Use a stable SIM card — not a fresh new number.
Allow permissions — location, contacts, etc. It builds trust.
Link an active bank account — don’t use dormant accounts.
Start small — repay ₦10k early, and they’ll trust you with ₦80k later.

Warning: Avoid These Red Flags

Any app that asks you to pay before getting a loan is a SCAM.
Don’t give your ATM PIN to any app or person.
Be careful with apps that call your contacts or harass you.

Use only apps that are verified on Play Store, like the ones above.

Final Words

Needing ₦50k or ₦80k doesn’t make you irresponsible. We’ve all been there. What matters is choosing the right loan app that won’t worsen your situation.

If you want low interest and up to 3 months to repay, I personally recommend:

Branch – if you want a smooth experience
Carbon – if you want low interest and clean interface
EasyCredit or XcrossCash – if you don’t want to use BVN (at first)

🔗 Related Reads:

Got questions or need help applying? Drop a comment below — I reply quickly.