QuickCheck — review & details

In Personal loans · By the Rateweb editorial team · How we rate · Details checked 1 Aug 2026

An AI-scoring loan app offering collateral-free credit of up to ₦1 million with repayment up to 12 months and credit alerts claimed in under five minutes. Established and widely used, but its website publishes no licence information, so verify its regulatory standing yourself before borrowing.

QuickCheck

An AI-scoring loan app offering collateral-free credit of up to ₦1 million with repayment up to 12 months and credit alerts claimed in under five minutes. Established and widely used, but its website publishes no licence information, so verify its regulatory standing yourself before borrowing.
★★★★☆
3.7/5 · How we rate
Instant app-based personal loan
Loan Type
Flexible, up to 12 months
Tenor
Not stated on QuickCheck's website — check the FCCPC approved-lender list at fccpc.gov.ng before borrowing
Licence
Credit alert in under 5 minutes, per QuickCheck
Speed
Fast small-ticket cash for borrowers who have compared the in-app rate first
Best For
digital
Type
Pros
  • Fast approval and disbursement — the app advertises credit alerts in under five minutes
  • Repayment terms up to 12 months, longer than many rival loan apps
  • Limits grow with repayment history, and no collateral or guarantor is required
Cons
  • No licence or regulator information is published on its website — you must verify its FCCPC standing independently
  • Digital consumer credit at this speed is expensive; monthly rates reported by third parties make the annualised cost far higher than bank loans
  • First loans are typically small, and short tenors keep effective costs high
Fees, eligibility & documents
Fees
InterestHigh — typical of short-tenor digital credit; third-party comparisons report monthly rates in the low-to-mid single digits, which annualise steeply. Check the exact rate in the app before accepting
Eligibility
  • Nigerian resident with a BVN and an Android smartphone
  • Bank account for disbursement and repayment
  • Credit scoring is done in-app from your data — no collateral
Documents needed
  • BVN and in-app KYC — no physical documents
Visit QuickCheck

How QuickCheck compares in personal loans

QuickCheck scores 3.7/5 in our personal loans rankings. Our current top pick is FairMoney (4.4/5). Always compare a few before you decide — see the full personal loans comparison.

QuickCheck
3.7/5 · this page
 FairMoney
4.4/5
 GTBank (QuickCredit)
4.3/5
Loan Type Instant app-based personal loan — Instant personal loan for GTBank customers
Tenor Flexible, up to 12 months — Monthly instalments, up to about a year
Licence Not stated on QuickCheck's website — check the FCCPC approved-lender list at fccpc.gov.ng before borrowing CBN microfinance bank Product of Guaranty Trust Bank, a CBN-licensed commercial bank
Speed Credit alert in under 5 minutes, per QuickCheck — Minutes via USSD (*737*51*51#) or the app — no branch visit
Best For Fast small-ticket cash for borrowers who have compared the in-app rate first — Salary earners and active GTBank customers who want cheap credit
Visit QuickCheck → Visit FairMoney → Visit GTBank →

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Details last checked: July 2026

Ratings are Rateweb's editorial opinion. Product details are checked periodically but can change — confirm current terms with the provider before acting. We may earn a commission from some links, at no cost to you.