App Spotlight category will provide information on the people behind the apps in you use.
We feature interviews and profiles of app developers, sharing their stories, inspiration, and the creative processes that led to the development of such apps.
Navigate a realm of educational opportunities with these premier learning apps designed for students. From Udemy’s diverse courses to IXL’s personalized curriculum, and Maths Tests as well as Math & Science Tutor for enhancing math skills.
Whether you’re mastering languages with Beelinguapp or refining professional skills on LinkedIn Learning, discover a wealth of knowledge right at your fingertips. Roam, learn, and shape your academic journey with these outstanding educational tools.
In the times filled with various distractions and a lack of focus, students need to direct their attention to extracurricular lessons or other constructive activities. Rarely do we hear about students opting for lessons, especially during holidays, unless they are young pupils who may not yet handle devices or fully understand their purpose.
However, some learning apps are designed to prepare students for upcoming exams, tests, or simply to enhance their knowledge. Some even offer certificates upon successful completion of a course. Whatever the case may be, rest assured that being familiar with one or two of these apps is not a waste at all.
Because I would love to explicitly help you understand what I have in mind to explain, I will state my points below. There are numerous impacts these apps can have on students, just as they can on any other scholar:
Students can study extensively; they can pause, play, forward, and rewind to ensure they understand the content.
Students can remain actively engaged with these apps during holidays, preventing them from simply relaxing and forgetting all that happened in the past semester. This makes it a valuable supplementary learning method.
Students can acquire additional skills through these apps.
Students can have an interactive and gamified learning experience with these apps, making education more enjoyable.
How can students access these apps?
I understand that many students, especially those in the secondary school section, may not have access to a phone, let alone any other gadget. But not to worry, there are alternative options. You can use school computers or tablets, visit the library, or ask your parents for help.
For those who have access, it would only cost data, as some apps are accessible without the need to subscribe. The following are incredible learning apps for students;
Udemy
Udemy is one of the leading learning apps for students, offering a diverse range of courses in Coding, Development, Business, Physics, Arts, and more. Its features include offline learning, Chromecast support, and a variety of topics in over 65 languages.
The Udemy app provides valuable tools to aid studying, such as dark mode, personalized learning reminders, quizzes, and Q&A with instructors, making it a comprehensive and flexible platform for students seeking professional development.
Maths Tests
Maths Test was created to enhance math fluency by offering thousands of multiple-choice tests for primary and secondary students. It has proven to be an effective learning app for students, covering topics from basic addition to advanced algebra.
The app provides instant access to theory, grades at the end of each test, and tracks results and progress of students. Whether offline or online, it serves as a comprehensive tool for improving math skills, and is suitable for both kids and adults.
Math & Science Tutor
Students can access over 1500 math tutor video lessons covering Basic Math, Algebra, Calculus, Physics, Chemistry, Engineering, and Statistics, with over 500 hours of step-by-step instruction through Math & Science Tutor.
They learn any subject with clear examples, from basic math to advanced topics like electrical engineering or mechanical engineering.
This learning apps for students offers features like lesson bookmarking, recent video history, search functionality, worksheets, and subscription options for full access to all courses at $19.99 per month. Certainly, it’s similar to covering tuition fees in a traditional school where you attend classes.
IXL
IXL is a trusted personalized learning app for students, offering a full curriculum with over 5,000 skills in math and English. It provides immediate feedback, step-by-step explanations, and interactive features like handwriting recognition.
The IXL app is backed by research and actionable analytics, fostering student achievement, with a free daily practice option and a membership for a fully personalized learning experience at £12.99 per month.
ClassDojo
ClassDojo is an app designed for teachers, parents, and students, making it an app for a complete classroom community. In this learning apps for students, teachers encourage and communicate with students and parents through photos, videos, and announcements. ClassDojo is free, widely used across many countries, and compatible with various devices.
Kahoot
Kahoot app is a learning app for students and teachers, offering engaging quiz-based games with features such as live challenges, flashcards, and self-paced study modes. Available in multiple languages, the app enables students to host and participate in quizzes on any topic. while Kahoot is free for teachers and students, a subscription is available for additional functionalities and advanced options.
Beelinguapp
Beelinguapp makes language learning enjoyable and free for students through its Side-by-Side Reading. The app enables students to read stories in two languages simultaneously, listen to audio, and learn at their own pace with audiobooks narrated by native speakers.
Whether reading classics, news, or travel guides, this app, covering multiple languages, enhances listening and reading comprehension, pronunciation, and vocabulary acquisition. It really is an amazing learning app for students.
Canvas Student
Canvas serves as a course management system facilitating online learning and teaching. It enables students to connect and communicate with their teachers in enrolled courses. The Canvas Student mobile app grants Students access to courses, allowing them to view grades, submit assignments, and maintain organization through to-do lists and calendars.
The features in the platform encompass messaging, discussion posting, video watching, quiz-taking, and push notifications for updates. Students with this app can manage their coursework across various devices. It stands as a comprehensive learning app for students.
LinkedIn Learning provides numerous expert-led courses designed for skill development among students. These courses can be accessed either for free or through a subscription. The application empowers students to engage in concise video courses covering a wide range of subjects, such as business, technology, and creativity. It includes features like personalized recommendations, offline viewing, and access to premium networking tools.
Bottom line:
As a student mastering new skills, preparing for exams, or enhancing knowledge, these apps offer a diverse range of opportunities for you to explore. From improving math fluency to language learning and professional development, they are accessible on various devices. Begin your educational adventure today with these astonishing apps, and feel free to share more similar apps in the comment section below.
Discover a transformative journey with carefully selected educational apps for adults. From personalized learning on Khan Academy to language mastery on Duolingo, and career-relevant skills on Coursera, LinkedIn Learning, and edX, this curated list empowers you to take control of your learning experience. Unleash the potential of apps like Vocabulary Builder, Vaia, and Simplilearn to enhance your knowledge and skills.
Personal learning is key to personal and professional growth in this era, and, of course, the demand for innovative and effective learning means has surfaced greatly. Adults are not exempt from learning, as it is a continuous act. However, this curated list introduces “8 Empowering Learning Apps for Adults,” providing accessible and impactful educational resources.
Be sure to explore the transformative potential of these leading learning apps, as each of them has been meticulously selected to meet the needs of adult learners seeking excellence in the modern learning space.
Why do adults even need an educational app?
Adults no longer necessarily require a dedicated space labeled ‘adult education.’ Some adults, particularly those who haven’t received elementary academic education, may still find such spaces beneficial.
However, for individuals aiming to enhance their skill acquisition, pursue additional academic knowledge for certification, or simply find joy in learning, traditional adult education spaces may not be essential.
As it’s often emphasized, the process of learning is continuous and doesn’t cease, even at 50. This implies that these apps are accessible to adults both below and beyond that age.
What do I need to obtain these apps?
All you need to obtain is your phone, laptop, tablet, or desktop computer. You also need to purchase data. Some of the apps are absolutely free and wouldn’t require anything other than data, while some may require a subscription.
However, any costs you may encounter will undoubtedly be within your means because you are an adult. Lastly, you have to adopt a mindset that you are going to accomplish this academic endeavor.
Does learning get tough with these educational apps?
Would you rather find learning interesting in a class where you can’t draw the lecturer back when you aren’t clear or a class where you can pause, play, forward, and backward, allowing you to learn bit by bit? If you chose the latter, then you are absolutely correct. Learning doesn’t get any tougher on any of these apps because, of course, you have control over how you learn.
I’m curious – tell me about the apps already!
Okay, okay, I knew we would get to this point, where you would be really curious to know about these apps. Below are carefully selected educational apps for adults that are highly capable of transforming knowledge and skills within a short period:
Khan Academy
Khan Academy offers diverse and free learning resources for students, teachers, and adult learners. There is access to thousands of interactive exercises, videos, and articles spanning various subjects such as math, science, economics, and humanities.
This learning apps for adults features personalized learning with instant feedback, offline access, and progress tracking across various devices.
Duolingo
Duolingo, the world’s most-downloaded education app for both adults and children, offers free and engaging language learning in over forty languages. Its lessons are game-like and cover speaking, reading, listening, and writing skills, providing a science-based methodology for effective language retention.
Duolingo is praised for its effectiveness and has earned numerous accolades, such as Editor’s Choice on Google Play.
Coursera
Coursera empowers adults to develop job-relevant skills through courses from world-class companies and universities, offering flexibility and on-demand learning. The app provides industry-tailored courses, Professional Certificates, Specializations, and degree programs, allowing adults to gain confidence, stand out in their careers, and have control over their professional development.
It features include downloadable content and courses spanning areas like Computer Science, Data Science, and Business.
Vocabulary Builder
Magoosh’s GRE Vocabulary Builder app, developed by expert tutors, is designed to enhance vocabulary for the GRE test, primarily for adults. It offers 1200 GRE vocab words with audio pronunciation, definitions, and example sentences. The Magoosh app provides free access to general, GRE, SAT, and TOEFL vocab quizzes, reinforcing its commitment to effective test preparation for adults.
LinkedIn Learning
The LinkedIn Learning app allows adults to learn on-the-go, with features like personalized recommendations, offline viewing, and certificate integration with LinkedIn profiles. There are over 16,000 expert-led courses for skill development, covering business, tech, and creative topics for adults consumption.
Subscription options provide access to the full library, featuring extensive courses on leadership, programming, design, and more.
edX
edX mobile app offers online courses from renowned universities and industry leaders for adults to learn and acquire job-relevant skills in rapidly growing fields. This app help adults learn anytime, anywhere, stream classes in subjects like data science and Python, and even download courses for offline viewing. The edX platform was founded by Harvard and MIT in partnership.
Vaia
Vaia is an all-in-one study app with tools for efficient learning, including flashcards, study notes, exam mockups, and personalized study plans, all for free. It uses AI-powered learning and combines features from popular study apps like Quizlet and Anki. Vaia offers premium features, including offline mode, and has been awarded as the best educational app worldwide.
Simplilearn
Simplilearn provides adults with over 400 certificate courses in cutting-edge technologies, taught by a team of over 2000 expert trainers. Its features include real-world skill development, live webinars, and engaging content. Adults have the opportunity to dive into diverse fields like Data Science, Cyber Security, Digital Marketing, and AI and access free courses with certification.
Concluding:
With these cutting-edge apps designed for adult learners, you can embark on your educational adventure. Whether you’re seeking to master a language, advance your career, or acquire new skills. With the power to control your learning journey, you’re not just acquiring knowledge; you’re shaping your future. Let us know about other educational apps for adults in the comment section.
Unlock a world of educational excitement for your little learners through our thoughtfully selected compilation of ad-free apps. From Lingokids’ interactive activities to Kakadoo’s engaging lessons, each app is designed to make learning fun and safe. Explore the best in kid-friendly content for a worry-free educational experience!
Teaching children can be quite challenging as you need to visually demonstrate everything you’re trying to impart. You can’t simply tell a kid, “There is a color called blue,” without actually showing them the color. That kid would grill you with questions.
That’s why we’ve curated a selection of vibrant and engaging apps designed for kids to learn, practice mathematics, and enhance their reading skills. Each app has undergone careful scrutiny for suitability and is child-friendly. Feel free to pick your favorites from the options below:
Our hot picks:
Lingokids
Lingokids offers over 1200 interactive activities that blend academics and modern life skills for children. As an ad-free, teacher-approved, and COPPA certified learning app, it features the Playlearning method, covering a range of subjects such as engineering, geography, mathematics, reading and literacy, technology, science, art, and music.
This comprehensive approach fosters progress, achievements, and global awareness in young learners, all while introducing delightful and original cartoon characters that your kids would love.
Spelling & Phonics
The Spelling & Phonics educational app is a free and ad-free spelling games for kids, offering over 10 different spelling games with engaging modes like Spelling, Fill In Blank, and Consonant-Vowel-Consonant The app focuses on phonics to build a strong foundation for kids to spell out words correctly. Designed for both kids and parents, it features colorful graphics, progress tracking, and a rewarding system, without ads or paywalls.
Khan Academy Kids
Khan Academy Kids is a free educational app for kids of ages 2-8. This app offers over 5000 educational lessons, interactive games, and an extensive library of kids’ books, it improves learning in reading, math, and various subjects. The kid-friendly curriculum, offline access, and 100% ad-free experience make it a valuable resource. You should check out this app.
Kiddopia
Kiddopia offers over 1000 play-based learning activities designed for young minds, infusing play, skill-building, and preschool curriculum in areas like math, language, and arts. This COPPA-certified app provides a nurturing and ad-free environment for independent learning adventures. With constant additions to content, your kids will never tire of learning here.
It engages kids in interactive math challenges aligned with state-level curricula. The app allows free access to 1,400 skills, while premium members enjoy additional benefits such as faster progression and exclusive rewards, making math practice more enjoyable and educational.
Others;
Starfall
The Starfall app provides a comprehensive learning experience for preschool to fifth-grade children, covering reading, math, music, and more through engaging activities such as games and songs.
Cartoon characters like Zac the Rat and friends take young learners on a journey, progressing from ABCs to grade 5 grammar and mathematics. Starfall provides a systematic and engaging platform, it is a teacher-tested and child-approved app.
ABCmouse
ABCmouse is a learning program for kids between the ages of 2 to 8 years old. It curriculum covers how to read, music, math, creativity, and more. The app was developed by teachers and education experts and features over 10,000 learning activities, and a customizable learning path. The app program includes various subscription options and accolades, such as Mom’s choice gold and Teachers’ choice awards.
Epic
The Epic kid’s book reading app stands as the largest digital library globally dedicated to children. With a collection exceeding 40,000 books, audiobooks, and educational videos designed for young audiences. It provides anytime, anywhere access, multilingual content, and features fun rewards and learning tools for children. With family and school options, Epic caters to personalized reading experiences, educational tools.
Adventure Academy
The Adventure Academy program is created by the founders of ABCmouse. It boasts a vast collection of educational games, books, and challenges, supporting key elementary and middle school objectives in subjects like math, language, arts, and science.
Adventure Academy is an ideal choice for homeschoolers and those learning on-the-go. You can start a 30-day free trial by downloading the app and later upgrade to a paid version.
Kakadoo
This app lets kids explore 15 easy and educational games, ranging from learning shapes to interactive sea adventures, memory training to logic games. With a simple interface, fun music, and a focus on learning, it provides a playful way for children to enhance their skills.
Concluding;
You don’t have to worry about supervising kids while using the apps mentioned above, as they all feature kid-friendly content and are ad-free. This ensures that there won’t be any pop-up obscene pictures or ads when kids are using them. So, tell me in the comment section, which ones are your favorite picks?
Frequently Asked Questions (FAQs)
What age groups are these educational apps suitable for?
Every educational app stated above is very suitable for kids aged 2 to 10.
How can educational apps benefit children’s learning and development?
Educational apps can benefit children’s learning and development by providing various engaging, personalized, and interactive activities in the form of nursery rhymes, games, and videos, which enhance their knowledge.
Do the educational apps offer a variety of subjects and topics for kids?
Yes, definitely. While Prodigy Math game may sound like it is solely focused on mathematics, it offers other fun and captivating activities that kids would love and learn from.
What is the best free educational app for kids?
Every app, in one way or another, is beneficial for a child’s education. Khan Academy Kids, in particular, is highly recommended for its educational content.
Are all of these learning apps for kids available for free, or do some of them require payment?
Nothing is entirely free because you will also need data to use any of those apps. All the apps are free to download; some allow you to use them offline, while others provide a free trial period before requiring a premium version.
12 Apps That Pay You Real Money Without Investment
Come jump with me into a realm of money-making apps with zero investment. From Foap’s photo-selling platform to Survey Junkie’s rewards for sharing your opinions, check out certain opportunities to earn real cash and gift cards.
Play & Earn through games, engage in flexible monetization with Pawns.app, and scan receipts using ReceiptPal. Whether it’s micro jobs on Clickworker or paid surveys on AttaPoll, this guide reveals a variety of ways to easily boost your income.
In this scenario, investment involves putting money in with the hope of a significant return down the road. While some investments may not pan out, it’s on you to choose wisely. However, in this case, you won’t even need to worry about that because we’re introducing you to amazing apps that lets you make some serious cash without any financial investment—just your time. These apps undergo thorough scrutiny, ensuring they’re a secure and reliable way to boost your finances. Rest assured, there are no shady apps or websites here.
12 Apps/Websites That Pay You Real Money Without Investment
Say goodbye to certain financial barriers with the following apps;
Foap
Survey Junkie
Pawns.app
Play & Earn
InboxDollars
Microworkers
Swagbucks
MooCash
AttaPoll
TaskBucks
Receipt Pal
Clickworker
Foap
The Foap app is a photo-selling app that connects photographers with brands around the globe. You can make a lot of money as a photography lover who sell photos, even if you are not a professional photographer.
Selling photos isn’t just what they do here, Foap users can participate in brand missions, and have their content distributed through partners like Getty Images.
Foap really offers a lucrative platform for photographers and photo lovers to monetize their passion with just their talents as their investment.
Survey Junkie
You can earn cash and gift cards by actively sharing your opinions and online activity on Survey Junkie. Completing surveys and using the Pulse feature for browsing insights allows you to accumulate points, which can be redeemed for various rewards, including cash through PayPal or gift cards.
As a member of this app, you can maximize your earnings by sharing more and completing up to three surveys daily, allowing you to earn a substantial sum of money monthly without any investment.
Pawns.app
You can participate in the Pawns.app peer2profit platform, offering high-paying and flexible monetization options such as selling data and earning rewards through quests. While this app is primarily focused on online surveys, it also features a refer-and-earn program, work-from-home opportunities, and dependable cashouts without investing a dime.
Play & Earn
The Play & Earn app as the name goes is a platform where you play games on your phone and earn real cash. You can then convert earned coins into actual cash, withdrawable through popular platforms like PayPal, Coinbase, Amazon, Binance, or other virtual wallets. The good news about this app is that it allows users to withdraw their accumulated coins anytime, making it a revenue to earn everyday without investing money.
InboxDollars
Common online activities such as surveys, reading emails, playing games, and shopping can be performed on InboxDollars to earn cash without investments. The brand has paid out over $57 million in cash rewards since its inception. Surveys here typically offer cash rewards ranging from $0.50 to $5 and generally require only a few minutes to complete. You can cash out via check or gift card once your earnings accumulate to $30.
Microworkers
Microworkers is a website that connects employers with an international labor force of over 3.7 million people who complete small online tasks like Data Mining, Transcription, Research Study, Data Annotation, Image Transcription, Survey, Sentiment Analysis, and other tasks, referred to as micro jobs. The platform facilitates crowdsourcing by allowing employers to outsource various digital tasks to a distributed workforce.
Swagbucks
Swagbucks is more popularly known for its play games and win real cash features, but there is more to this app. It also offers paid surveys on various topics for users to earn cash and free gift cards by sharing their opinions. This app provides opportunities for cash back through in-store or online shopping at various retailers and offers exclusive deals, one very versatile app to cash bucks from without investing at all.
MooCash
This app rewards users with cash, gift cards, bitcoin, and more for trying out various operations like watching videos, surveys, trying new apps out, etc. Asides free cash and bitcoin, rewards earned can also be redeemed for popular gift cards, game wallet codes, and shopping vouchers.
AttaPoll
AttaPoll app connects you with companies seeking your opinions through paid surveys. By doing so, you earn real cash or gift cards instantly, with no investments required. Choose surveys based on duration, payout, and completion probability.
TaskBucks
TaskBucks is designed to make the time you spend on smartphones rewarding by offering you the opportunity to earn rewards through various activities like exploring new products or engaging with existing ones. This could involve trying out new apps, games, surveys, draws, or participating in other promotional activities (contests).
Receipt Pal
ReceiptPal provides free rewards and gift cards by simply scanning and submitting your paper and e-receipts with the app. You can accumulate points for every valid receipt, filling up green Point Cards, and redeem them for gift cards from popular retailers like Amazon, Visa, Walmart, and more.
Also, with the app, you can increase your chances of winning cash prizes in weekly $250 bonus sweepstakes by consistently using it to fetch rewards from your everyday receipts. Just invest receipts, not money.
Clickworker
People earn money on Clickworker by completing micro jobs through the app or on your PC. From surveys and online research to app testing and writing, there’s a variety of tasks available for people worldwide. Start earning weekly payouts to your PayPal account by simply checking in daily and exploring different micro jobs.
Bottom line
In the current digital era, numerous chances have emerged to generate real income without requiring any monetary commitment. The mentioned apps and websites not only serve as platforms for users to capitalize on their time and skills but also establish a dependable and secure space for financial advancement.
Whether you have a passion for photography, enjoy participating in surveys, are an avid gamer, or seek micro jobs, this realm of online income is easily accessible to you.
Frequently Asked Questions (FAQ)
How do you earn without investing?
I define investing as ‘putting money in with the hope of a significant return down the road.’ While there are apps like Fundrise where you can make investments, the apps mentioned above do not require any upfront payment; returns come solely from your efforts.
There are so many good game apps to make legit money, and apps like Swagbucks would definitely be the best for what you are looking for.
Which app is best for earning without investment?
All the apps listed above are great for earning money without investments, and AttaPoll and Foap are among the best.
How much can I make from apps that pay without investments?
The amount of money you can make from these apps depends on the effort you put in and the number of tasks you complete before reaching the app’s withdrawal threshold. With apps like InboxDollars and ReceiptPal, you have the potential to earn over $30 to $50 monthly.
Explore the best apps to make money without breaking a sweat! From investment platforms like Drop, Acorns, Branded Surveys, MoneyLion, Swagbucks, Chime, Cash App, Rakuten, and Robinhood to gaming rewards on Cash’em All, this guide checks out sign-up bonuses and cool features, helping you navigate the different world of financial and gaming apps. You gotta immerse and discover the money-making magic!
Some apps are downright amazing, handing out a decent amount of cash to users with minimal effort. These apps achieve this by simply asking users to sign up—no sweat required. If you’re curious about which apps fall into this category, this post is here to fill you in.
Hot Picks
Acorns
MoneyLion
Cash’eM All
Chime
Robinhood
Stash
#1. Acorns
Acorns facilitates financial growth by directing your money into diverse Exchange-Traded Funds. You have the flexibility to invest for yourself, your children, retirement, or potentially future endeavors. Beyond investment opportunities, the app provides an orderly system to cater to your needs, including the option to shop at select favorite brands and earn rewards.
Bonus for signing up:Acorns dishes out a cool $10 when you set up your account.
What to do:To snag the $10, you have to make your initial $5 investment. Plus, you can also score an extra $5 by bringing your friends into the app.
Pros:
A chance to earn some cash through investments, a sweet bonus indeed.
Withdraw anytime with ease.
Cons:
Not your go-to for a free instant sign-up bonus with no deposit.
#2. MoneyLion
The MoneyLion app is reliable for all things banking, loans, investments, and savings. Once again, it’s making waves on our top list for instant sign-up bonus apps with quick withdrawals. This app comes packed with numerous perks, solidifying its status as a highly favored banking app known for its outstanding services to users.
Bonus for signing up:You will get an immediate $5 bonus when you sign up, credited straight to your RoarMoney account.
What to do: No deposit needed to unlock the $5 bonus, and you can withdraw right away. But here’s the insider tip to boost your earnings—shift your direct deposits to RoarMoney, set up a regular deposit of at least $100, and you’ll secure an extra $50 bonus. And there’s more: bring in a friend, and you’ll pocket a $10 sign-up bonus.
Pros:In here, there is a chance to rack up a significant sum of over $60 just from bonuses.
Cons:Keep in mind, the MoneyLion account comes with a $1 per month admin fee.
#3. Cash’eM All
The Cash’eM All app is the ultimate platform to showcase your gaming skills and turn them into some cold hard cash. It is a platform to play games and earn coins, which can later be traded for gift cards or real money rewards. You can find interesting games such as casual games like Coin Master and Idle Restaurant, puzzle games like Candy Crush, and adventurous games like Pocket Monsters (Pokémon).
Bonus for signing up: You will get a sweet free sign-up bonus of 4,444 coins.
What to do: Cash out after hitting a minimum of 5,000 coins, with options for Paypal cash or gift card redemption. Want to speed up your coin count? Invite friends. When your pals sign up and start playing, you pocket a bonus of 250 coins, plus 25% of the coins they earn. And it’s a two-way street—your friends also grab 25% of the coins you bring in.
Pros: Earn coins by playing games for a designated period. The more games you conquer, the greater your potential earnings.
Cons: It is only available on the Google Play store
#4. Chime
While Chime isn’t a traditional bank but rather a Fintech company, it recognizes the various needs for loans, savings, and other cash transactions. Trusted by millions, Chime boasts over 10 million users with superb reviews.
Bonus for signing up: A $100 sign up bonus offer to new members.
What to do:The condition is that you receive a qualifying direct deposit of over $200 within the initial 45 days.
Pros:You can withdraw the funds to your linked bank account within seven days.
Cons: Transfers between individuals using platforms like Venmo, PayPal, and mobile check deposits are not eligible for the bonus. Payments need to be from employers or benefits providers.
Bonus for signing up: New users receive a free stock valued between $5 and $225.
What to do:To qualify for and keep the welcome bonus, hold onto the gifted stock for a minimum of three days before making any trades.
Pros:Robinhood offers commission-free trading for stocks, options, ETFs, and cryptocurrencies.
Cons:There is a $5 monthly fee after the 30-day free trial
#6. Stash
Stash stands out as an extensive investment platform featuring banking services through Stride Bank. Specifically designed for beginners venturing into investments, the app enables them to invest with as little as $5. Additionally, it offers a flexible app plan that can be canceled at any time.
Bonus for signing up: Upon registration, Stash presents a $20 free stock.
What to do: To be eligible, initiate a direct deposit of at least 1 cent into your Stash bank account.
Pros: Stash empowers users to invest on their terms, free from commission fees, and with the flexibility to invest any amount.
Cons: Limited to US citizens only.
#7. Branded Surveys
The Branded Survey app provides a platform for sharing suggestions and completing paid online surveys to earn money. It features the Branded Elite Program, a loyalty initiative that rewards participants with additional bonus cash at the end of each month, only on completing a sufficient number of surveys.
Bonus for signing up: A $1 bonus when you sign up.
What to do: Answer survey questions to accumulate earnings, with a minimum withdrawal limit of $5.
Pros: The presence of a loyalty program offers additional earning opportunities.
Cons: The points earned per survey can vary, potentially leading to inconsistencies in overall earning potential.
#8. Rakuten
The Rakuten app is a platform that offers users the opportunity to earn Cash Back rewards while shopping at a wide range of participating stores.
Bonus for signing up:A $1 bonus when you sign up.
What to do:Make a qualifying purchase of $30 or more from any participating store.
Pros: Referring a single friend can earn you a a huge sum of $30 bonus.
Cons: Earnings or payments are disbursed on a quarterly basis, necessitating users to wait three months before receiving their accumulated rewards.
#9. Drop
Drop is a rewards app that lets you save on daily purchases, offering cash back at 500+ brands. Simply link your cards, earn points when shopping or completing surveys, and redeem for gift cards of top brands like Adidas, Uber Eats, and Sephora.
Bonus for signing up: Receive a $5 bonus upon signing up.
What to do: The earned funds from signing up become available only once the minimum withdrawal amount of $25 is reached.
Pros:Users have the flexibility to redeem earned points for gift cards across diverse categories such as fashion, travel, beauty, shopping, entertainment, and food, featuring top brands.
Cons: The app lacks a cash back option, and users might need to accumulate enough points before being able to redeem them for gift cards.
#10. Swagbucks
Swagbucks is a versatile earning app that offers paid surveys, cash back on shopping, and exclusive deals. Users can get paid for sharing opinions, redeeming rewards for free gift cards, and enjoying cash back at popular stores like Amazon, Walmart, and more.
Bonus for signing up: There is a $10 sign up bonus.
What to do: Instant withdrawal is possible by spending at least $25 on a qualifying shopping offer.
Pros:The platform allows for immediate withdrawal, just meet the specified criteria.
Cons: To qualify for the $10 welcome bonus, users are required to spend a minimum of $25 at a featured store within 30 days of registration.
#11. Cash app
The popular Cash app simplifies financial transactions, allowing users to send, receive, and request money instantly at no cost. With features like instant discounts, commission-free stock trading, and the ability to buy, sell, and send Bitcoin, it offers a very wide platform for managing money, investing, and even filing taxes for free.
Bonus for signing up: A free $5 sign up bonus if you sign up with a referral code/link.
What to do:Link your debit card and send at least $5 within your initial 14 days.
Cons: Not having a friend to get a referral code from could be a major hindrance.
End point
The apps above pave the way for easy money-making. From investing and banking to gaming rewards, each app caters to different preferences and lifestyles. So, immerse yourself in and explore these apps, and turn your spare time into a lucrative venture.
What app gives you free money for signing up without deposit?
While some apps may require users to make an initial deposit before being able to withdraw their bonuses for reasons such as preventing fraud and abuse, MoneyLion operates differently. On this app, there is no need to make a deposit before initiating withdrawals.
How do these sign-up bonus apps work?
What sign-up bonus apps do is to typically reward users with cash, coins, or credits when they create an account with them. The bonuses earned may vary in value and often require users to complete specific actions, such as making an initial deposit, linking a card, or referring friends.
Are the sign-up bonuses really instant?
No, the term ‘instant’ can vary among apps based on their operational mechanisms. While some apps credit the sign-up bonus immediately upon completing the required actions, others, like Rakuten, may impose a waiting period or have specific minimum criteria that must be met before the bonus becomes available for withdrawal
What are the common actions required to unlock sign-up bonuses?
The actions involved in unlocking these bonuses are quite simple; they include making an initial deposit, linking a bank account, and referring friends. Please read the terms and conditions of each app as each one has its set of requirements.
Can I use multiple sign-up bonus apps simultaneously?
Yes, you can use multiple sign-up bonus apps.
Do these apps work in all the countries?
The availability of these apps can vary. Some are restricted to specific regions, while others are available globally. Conduct thorough research and verify information regarding the app’s geographic restrictions.
Are there any age restrictions for using these sign-up bonus apps?
Yes, most apps have age restrictions. Users typically need to be at least 18 years old to create an account in some apps, but Cash App permits users from the age of 13 years old to own an account.
10 Free Apps to Make Money as a Student in Nigeria
Explore the possibilities for students to earn actual money with these top apps in Nigeria. From Toloka and Piggyvest to Airbnb and Swagbucks, uncover a variety of opportunities for making money and achieving financial independence. Whether you’re saving, investing, or completing straightforward social media tasks, these apps cater to the needs of every student.
“Money is the root to address problems and settle bills.” You may have had a different perspective, but this is how I define money. In Nigeria, we’ve transitioned from the era when students relied solely on their parents for financial support. Nowadays, some students not only attend school but also become millionaires. If you’re contemplating your next steps, that’s likely why you clicked to read this post.
Why You Need These Apps as a Student?
Have you ever found yourself in a situation where you urgently needed to call home or your parents because you were on the brink of dying from hunger in 15 minutes?
Or perhaps you realized that the deadline for your textbooks was long overdue, and you needed them for exams, only to be met with the frustrating response of “turn me upside down and up, you will not see shi-shi” from your parents, highlighting the clear lack of financial resources?
This is where these apps come in, serving as a reliable Plan B. Also, students need quality time with friends to engage in enjoyable activities without constantly relying on others to pay their bills.
How Can I Access These Apps?
You don’t require a miracle from heaven, just a reasonably smart phone. I understand that students may not own a phone with an exorbitant price tag; a decent phone with around 2GB and a modest data subscription is perfect. Moreover, owning a laptop is not even necessary.
Why the Apps Below Are the Most Suitable
Some students may not have acquired a skill yet, but they can quickly develop one. Skills such as graphic design, content writing, project management, and more are valuable. Proficiency in all of these is not necessary to start making money using the mobile apps listed below. This opportunity levels the playing field for every student.
The following apps are free apps to make real money instantly as a student in Nigeria;
Toloka
Toloka is not only effective for earning money in Nigeria but also in several other countries. It offers users various opportunities to earn, such as watching videos on websites and identifying videos that your smartphone cannot play—perhaps due to unsupported file formats, codecs, or other technical issues.
Users can then participate in surveys, add information about businesses, check working hours, and mark building entrances. This app is available for download on both the Google Play Store and Apple Store.
Piggyvest
Piggyvest is currently quite popular and is undoubtedly a suitable platform for making money. Wondering how? In a country with a challenging economy like ours, it’s nearly impossible to find investment opportunities with just five thousand naira. However, this app not only encourages saving with amounts as low as that but also provides an avenue to receive daily interest.
Moreover, users can invest in various sectors such as transportation, real estate, and agriculture. This presents a promising way for students to start earning a sustainable income.
Airbnb
Join over 100 million users of this app and discover a way to earn money as a student. Here’s how: Many students who visit for registrations and clearance often find themselves without a place to stay overnight. You can seize this opportunity by listing your room or apartment for nightly rent on this app, allowing you to earn money effortlessly.
Swagbucks
You’ve likely heard of Swagbucks, right? Now here is what is being done there— you get paid for online shopping, playing games, completing surveys, and various other activities. Many users have successfully earned substantial amounts on this reliable online reward platform. The points, known as “SB,” that you accumulate can also be redeemed for gift cards from top brands like Amazon and Starbucks.
NairaMetrics
Here, making money as students is simple – all you need to do is stay informed and earn money. Just read the news and convert your points to cash (naira) or airtime. Inviting friends to join can also bring added joy, as there are rewards for referrals.
Ibotta
Rather than purchasing items from conventional stores and receiving no rewards, I recommend students use Ibotta for their shopping needs to earn cashbacks. Furthermore, you can earn extra cash by referring friends using your unique referral code. Ibotta is affiliated with well-known apps such as Uber, Jet.com, Groupon, Boxed, and eBay.
Toluna
Toluna Influencers is a platform where individuals share insights on products, respond to daily surveys, engage in digital projects, and impact major brands’ decisions on future products and services, all in exchange for rewards. This app can serve as a supplement or an added advantage for students.
Chipper Cash
While the app isn’t designed specifically for earning money, the sole avenue for earning is through referrals. All you need do is encourage your fellow students to register on the app using your referral code or link.
The Chipper Cash app simplifies various financial transactions, including payments, money transfers, purchasing data and airtime, and bill payments. Through successful referrals, you can earn up to N1,000 per person. This extra cash can cover your garri expenses for the week.
Hawkit
Hawkit is a platform where you get paid for performing simple social media tasks that you do daily. These tasks include posting advertisements on WhatsApp status, commenting on posts, liking and following pages or accounts, sharing posts, testing apps, and subscribing to YouTube channels.
Students have the opportunity to earn ₦60 for app reviews, ₦50 for each repost, ₦50 for joining a WhatsApp group or Telegram channel, and ₦20 per comment. In my opinion, this app seems to be potentially designed with students in mind.
TopUp Africa
Lastly, there’s TopUp Africa. The concept here is quite simple—pay your electricity bills, recharge your phones with a variety of networks like MTN, Airtel, 9mobile, etc. Referring your friends to use this app is even more rewarding, as you can earn when they make transactions..
Summing it all up
There are other finance apps where students can make money, such as Fiverr, Upwork, Canva, and Freelancer, etc. However, this post was created with the consideration that some students may not possess usual or technical skills to offer on those platforms. Everyone can explore the opportunities provided by the mentioned apps. Please share in the comment section if you know of other apps with similar functions to those mentioned above.
Find out the top legit game apps that pay real money in 2024! Immerse yourself in the gaming scene where your talents can pocket you real cash. Check out well-loved software such as Solitaire Cash, Bingo Cash, and 21 Blitz. Master the rules and strategies to boost your earnings.
Discover if you’ve got what it takes to become a pro gamer and snag actual rewards. Unveil the facts about gaming for cash and delve into the thrilling opportunities that lie ahead!
If you’re someone who’s really passionate about gaming, a true gamer with solid skills across fun series, then you’ve stumbled upon the ideal post that could potentially shift your perspective on gaming. It might just inspire you to enhance your skills, as that’s often the key to earning from many of these intelligent games.
Keep in mind, though, that while you may not become incredibly rich or wealthy through these games, you can genuinely earn something valuable — perhaps enough to cover some of your bills and treat yourself to pizza and other snacks.
Really? do game apps actually pay real money?
I get it, this might seem too new and too good to some. But guess what? There are folks out there known as professional gamers, and they’ve turned gaming into a legit source of income. It might sound surprising, but yeah, there are game apps that actually pay real money.
Now, here’s the catch — while it’s awesome, there are also those shady gaming apps and sites out there trying to capitalize on the fact that people need some extra cash. But fear not! Today, we’ve got the real deal, some legit game apps just for you.
How much can I make from Gaming online?
How much money you make from gaming really depends on a few factors—how long you play the game for, the type of game you’re playing, and, of course, your skill level. Remember when I talked about needing serious skills for those sweet rewards? Well, some games let you practice before ducking into the big money competitions.
So, circling back to the question, you could make around $20 an hour, day, or month, depending on your game expertise. But get this, some gamers earn up to a cool $200 an hour. Now that’s a substantial amount, right?
Solitaire games are usually played solo. In this context, I’ll mention three of them, starting with Solitaire Cash. It brings together the classic charm of Klondike Solitaire with the excitement of winning real cash prizes.
Solitaire Cash includes traditional elements with a modern design and offers variations such as Spider, Freecell, Patience, Pyramid, Blackout, Big Run, and 21 Blitz Solitaire.
How to play Solitaire Cash
If you’re looking to dive into the play, chances are you’ve already got it installed. If not, head over to the Google Play Store or Apple Store to grab your copy.
Once you’re all set up, choose your game mode – go for the regular rounds or jump into the cash/gems tournaments; and, of course, we’re here for the cash.
Play by the classic solitaire rules: drag cards to build sequences, move them to foundation piles, all within a 5-minute time frame.
Submit your score.
If you manage to secure a spot in the top 3, determined by how quickly you clear the board, you’re a winner – and I mean, real cash or gems kind of winner.
To cash in on your success, receive your earnings through convenient options like PayPal and Apple Pay deposits.
Upsides of Solitaire Cash
This game is a blast and offers a genuine chance to win some cash.
The faster you play, the more points you pack up.
Downsidesof Solitaire Cash
Over time, the game has become more difficult.
You can only send out 2 friend invites for bonus cash
Solitaire Clash
The second solitaire game in my lineup of top legit game apps that pay real money – Solitaire Clash. It is a card game that not only drops the classic Klondike Solitaire but spices it up with some real competition.
It features include jumping into multiplayer tournaments, scoring free games with gems, and bagging that extra cash through classic minigames. It’s all about a skill-based showdown for players to amass winnings.
When it’s time to cash out, Solitaire Clash offers five payment options, and any of these solid choices will have you withdrawing your hard-earned money smooth as silk.
How to play Solitaire Clash
If you’d rather not play for cash, you have the option to use gems. Gems can be bought to join tournaments. You can pick a tournament from the list that aligns with your preferences. While this approach may suit those already proficient in the game, I would recommend that beginners practice before going into tournaments. Here’s a guide on how to practice
Arrange the deck of 52 cards in descending order from King to Ace while alternating between black and red colors. Place the cards into seven columns.
Now, stack them up in single columns, following the color rotation rule. Kick it off with a Red King, throw in a Black Queen, Red Jack, Black 10, and keep it rolling.
Each turn, shuffle cards between columns, building up a tidy stack as you go.
If you hit a dead end, hit up the stockpile card deck in the top left corner. Reveal three random cards and use them to keep building your stack.
When a whole stack forms, wipe out the entire column from the board.
The game wraps up when you’re out of cards or moves. Don’t forget to submit your score.
To improve your score, practice regularly to clear the board faster.
Upsides of Solitaire Clash
The game provides players with the opportunity to acquire free plays by waiting to accumulate more gems, offering a way to continue playing without spending money.
Players enjoy the option of participating in both the gem-based and currency-based aspects of the game.
Downsidesof Solitaire Clash
Players might end up broke and playing for virtual currencies like diamonds or gems instead of real cash.
Cashing out larger amounts may present increased difficulty.
Solitaire Smash
Now, onto the third Solitaire game in the lineup of top legit game apps that pay real money, Solitaire Smash. This slick game lets you craft card sequences and compete in tournaments with a shot at scoring some actual cash prizes.
The platform makes sure things stay secure and fair by teaming up players of similar skill levels and utilizing the same deck. While cash tournaments might not be up for grabs in certain states, you can still get in on the action with virtual currency gameplay.
How to play Solitaire Smash
Take part in either virtual currency or real money tournaments.
Challenge opponents at your skill level to test your skills.
Construct sequences of cards in ascending order from Ace to King in the four foundations, positioned as piles in the top left corner of the board.
Place uncovered Aces into the foundations. If you come across cards of the same type, organize them in ascending order and position the stack over the corresponding Ace.
Organize the tableau with seven columns of cards. Use tap and drag actions to build sequences in descending order while alternating colors.
Exclusive filling for empty columns involves placing a King. In the absence of face-up cards, tap the stockpile to draw from the top, using the first card, and redraw if necessary.
When confronted with no available moves, undo your previous actions to explore a different strategy. If no alternative moves are apparent, submit your score and capitalize on the larger time bonus.
The top three players in the Solitaire tournament will receive real money or gems.
If you are a beginner, continue practicing to master speed; if you are not, use your time to earn a higher bonus.
Upsides of Solitaire Smash
This game requires a good deal of strategy, adding to its overall engagement.
Newcomers also receive a bonus on their initial deposit.
Cash tournaments are not accessible in certain states.
Bingo Cash
The fourth game, distinct from solitaire is Bingo Cash. This popular game relies on chance, making it a breeze if you’ve experienced traditional bingo. Engage in regular or cash tournaments, and stand a chance to win actual money by finishing among the top three in tournaments designed for fans of different bingo styles.
How to play Bingo Cash
In bingo, the goal is to mark off numbers on your card as they’re announced by a designated caller.
Once the game kicks off, a host calls out random numbers. If the called number is on your card, tap it promptly for more points. The quicker, the higher the points.
Avoid tapping any bingo squares that haven’t been called yet, this will result in a deduction of points.
Upon completing a new bingo, tap the bingo button at the bottom of your screen to score points.
This process continues for two minutes.
When time runs out, submit your score and patiently await the game results.
Make sure to check the results of every game.
Upsides of Bingo Cash
Gamers can appreciate a minimal entry hurdle and the option to engage without a substantial financial commitment, as they’re not obligated to use their own money; instead, they can keep using gems for buy-ins.
This application offers a swift and convenient method to transform virtual earnings into actual cash.
Downsidesof Bingo Cash
Winning money seems based on placing in the top 3.
Players may miss the opportunity to claim bingos because of the sudden cutoff, as they can be immediately disqualified when the timer reaches 0:00.
Bubble Cash
Bubble Cash stands out as a premier classic bubble shooter game designed for iPhone and iPad, providing players with the exciting opportunity to win actual cash. The game adopts a multiplayer format, presenting a level playing field where all participants confront identical layouts.
The objective is to swiftly pop bubbles, vying for coveted top-3 rankings that unlock substantial prizes. As you advance through the levels, the competition intensifies, offering a chance to vie for even greater rewards.
How to play Bubble Cash
You don’t have to be super skilled to make money with this legit top game app that pays real money. Just match three bubbles of the same color to pop and blast them away.
Upsides of Bubble Cash
The game is both addictive and enjoyable.
Bubble Cash provides a convenient choice to have your winnings directly deposited into your bank account.
Downsidesof Bubble Cash
Hidden undisclosed fees associated with money withdrawal.
The decreasing prize amounts in tournaments compared to entry fees have raised concerns.
Pool Payday
Pool Payday allows you to go head-to-head in live, real-time matches for both entertainment and earnings. Rack up cash prizes and seamlessly cash out your winnings through PayPal and other available options. You can dive into two exciting modes in this 8-ball game: real-time, where you and your opponent alternate turns to secure the top score, and turn-based, where you can dominate the table offline to claim the highest score.
How to play Pool Payday
The main goal is to sink your balls into the holes on the table
To aim and shoot the balls, tap and hold your finger on the screen.
Once you’ve found your desired shot, pull back your cue stick to shoot.
The player who successfully drops or sinks all of their designated balls (stripes or solids) and then drops the 8-ball is declared the winner.
Dropping the 8-ball prematurely or committing a specific foul related to the 8-ball could result in a loss.
Note:
If the player opts for stripes, they need to target dropping all the striped balls into the pockets before the opponent pockets the solids. Conversely, if the player selects solids, the goal is to pocket all the solid balls before the opponent does with the stripes.
Certain fouls, like scratching the cue ball or hitting the opponent’s ball first, may be subject to specific rules. Violations could lead to penalties or the opponent gaining ball-in-hand, allowing them to position the cue ball anywhere on the table.
Upsides of Pool Payday
The pool scene is highly competitive, promoting a strong sense of rivalry.
Although the text acknowledges that using the app may not be as impactful as traditional methods for enhancing one’s game, the app still provides practice games and tutorials.
Downsidesof Pool Payday
Some users find game’s evolution disappointing.
While the app enables players to earn Ticketz through free play, the effort required to accumulate a sufficient amount for substantial prizes or cash rewards may be time-consuming.
Dominoes Gold
Dominoes Gold gives players the opportunity to play classic domino games while having the chance to win real prizes. You can challenge opponents, whether they’re human or computer-controlled, to matches of traditional domino games and aim for the highest score to snag tangible rewards, like cash or other valuable items.
How to play Dominoes Gold
Install the game, run through the tutorials
Pick an avatar, click ‘next,’ and then wait for an opponent.
Once you’re matched, kick off the game by laying down a domino next to a similar end piece.
Rack up points by making multiples of five at the ends of the boards (like 10, 15, 20).
If you’ve got tiles but no spot to drop them, draw from the boneyard pile until you find the right fit.
If you use all your tiles before your opponent, shout ‘Domino!’ and dock some points from them if they still have tiles left. Move on to the next round.
Note:
A practice match in Dominoes Gold runs for seven minutes, concluding either when the time is up or when a player reaches 100 points. If there’s time left when the match concludes, you can earn a time bonus along with your final score. There’s also a chance to rack up additional points based on the score difference between you and your opponent.
The guidelines mentioned are just the basics, so be sure to check out the tutorials for more detailed guidance.
Upsides of Dominoes Gold
The game instructions are crystal clear, and the game proceeds exactly as directed.
Players are matched up with opponents of comparable skill levels.
Downsidesof Dominoes Gold
Making money in Skillz games often involves investing money into the game.
Skillz does not offer refunds for entry fees lost due to app crashes.
21 Blitz
21 Blitz combines elements of 21 and Solitaire, offering a platform to sharpen 21 skills and have fun. Play for free against real opponents and switch to cash games for a more competitive experience. The goal is to create 21s or stacks of 5 cards to score points within a single deck, racing against the clock for time bonuses.
Prize tournaments are accessible in most regions, excluding certain states, but virtual currency allows enjoyable gameplay in non-prize-enabled areas.
How to play 21 Blitz
The game uses a single 52-card deck.
Each game has 1 full deck of cards, and you stack cards in the lanes with no specific order.
Make 21s or stacks of 5 cards to earn points.
Prioritize making 21 when possible.
If you make 21 in a lane, you earn 400 points, and the lane clears for a fresh start.
If you go over 21, you receive a Strike.
Finish the deck before the clock runs out, and you’ll receive a time bonus.
You play against a 4-minute timer, with bonus points awarded for finishing before the timer expires.
Find Combos and Streak bonuses to perfect your strategy
Note:
First off, this game is all about skill, none of that luck-of-the-draw stuff.
You know the Jack of Clubs and the Jack of Spades? Wild cards. Drop one of those bad boys, and bam! Your lane clears up, earning you up some points.
If hitting 21 seems like a stretch, no worries. Aim for 11, especially since there are a sweet 16 tens in the deck.
Fill those open lanes but watch out for doubling hard totals over 10.
Steer clear of those high totals as they are harder to convert to 21.
Be smart with those Aces too, considering their flexible 1 or 11 vibes.
Clear those lanes with a solid five cards, and you’re looking at bonus points. Keep the streak alive for even more bonus action.
Upsides of 21 Blitz
Variety of modes to play 21, including three card peak, holding a card, and undoing moves.
Every hour, tournaments spice up the gameplay, bringing in extra excitement and engagement.
Downsidesof 21 Blitz
The payouts are on the lower side, making it tough to see significant progress.
The low payout may contribute to a limited number of players
Brain Battle
Brain Battle is a cool and challenging math game featuring friendly aliens. It enables you to test your addition, subtraction, multiplication, and division skills to climb the leaderboard. You will earn ticket rewards while playing for a shot at winning some awesome prizes. So sharpen your quick math skills by swiftly answering multiple-choice questions in this game.
How to play Brain Battle
Get the basic idea of the game which is cracking those math problems in just 20 seconds.
Tackle the equations thrown your way
Score an extra 2 seconds for every correct solve, and keep at it until your time’s up.
Upsides of Brain Battle
You can level up your math skills and cash in with The Game.
Brain Battle is open to everyone around the globe.
Downsides of Brain Battle
The app doesn’t guarantee earnings.
You can earn tickets by playing the game or completing offers, but cashing them in for actual money takes a good amount of money.
In Summary
Check out these games and level up your gameplay, and see firsthand how your gaming prowess can translate into actual rewards in the real world. If you’re aware of any other games that people can make real money with this year, feel free to drop them in the comments. It could be really helpful for others looking to cash in on some gaming rewards.
Frequently Asked Questions
Which is the No 1 game to earn money?
Solitaire games rank among the most popular money-making games due to the multitude of collections available, with only a few highlighted above.
Are games for cash legit?
There are legit games out there that provide cash rewards or prizes; it’s just a matter of approaching them with a good amount of skill and practice.
Which game pays real money on PayPal?
Luckily, all the games I’ve covered, including Solitaire Cash, Solitaire Clash, Solitaire Smash, Bingo Cash, Bubble Cash, Pool Payday, Dominoes Gold, 21 Blitz, Brain Battle, and Swagbucks, actually payout real money through PayPal.
How do I withdraw real money from the game to my cash app?
It’s easy! Game applications typically pay through PayPal and maybe other electronic payment systems. Just go to the withdrawal option, link your preferred payment method.
11 Apps wey fit borrow you money without BVN for Naija
Find beta way wey no get stress to borrow money for Naija with dis top loan apps like FairMoney, Cowrywise, Okash, JumiaPay Nigeria, Alat By Wema App, GTBank, Branch, Kwikmoney, PalmCredit, Carbon, Aella, wey no need BVN. Check their levels, compare their interest rates, then pick the one among the “apps wey fit borrow you money without BVN for Naija” wey go waka well with your financial matter. We dey carry your privacy for head!
To borrow money from apps wey dey ask for BVN fit dey somehow for Nigerians wey get trust wahala, because dem fit dey reason say their BVN info fit leak and the money for the different accounts wey dey linked to the BVN no go dey safe.
If na so e be for your side, no worry, we get your back. We go provide apps wey BVN no dey compulsory, so that you sef fit relax your mind when you dey borrow money. For those wey dey reason wetin BVN fit be, abeg, we still get your back.
Wetin be BVN?
BVN, wey be Bank Verification Number, na to grab pesin biometric data like fingerprints and face, join am with unique number wey dey identify the person. Na system wey Central Bank of Nigeria put in place to identify individuals for inside banking system and reduce thief-thief, scam, 419 and other bad tins.
Why BVN dey important for loan matter?
BVN dey make loan application waka easy, because e dey give financial institutions one kind standard ID wey dem fit use check person details sharp-sharp, to make sure say no be another person dey form another person. Oya follow us check apps wey fit borrow you money without BVN for Naija;
11 apps wey fit borrow you money without BVN
FairMoney
Out of all the apps wey fit borrow you money without BVN for Naija, FairMoney na the oga kpata kpata. Dem fit just arrange 300k for you now now now without your BVN. And their interest rate dey okay, no be like other apps. Forget, dem dey try, only say if you no pay back on time, dem fit use call spoil your phone for you.
Cowrywise
I bin dey think say Cowrywise app na just for saving money, earning interest, and investing. But omo!, e no end there o! You fit also get loans from am. Yes, loans! E no sha simple as e sound. E get more tori wey dey inside. No need for BVN, of course. But na the kind of mutual funds wey you don invest your money and where you wan borrow from go determine how much loan you fit collect.
So, when you dey ask bank or any money place for loan, your mutual fund units na like your collateral. Dem dey act like security, dey talk say, ‘If I no fit pay back the loan, you fit take control of these mutual fund units to cover the amount.’ E be like backup plan, e come follow for apps wey fit borrow you money without BVN for Naija.
Okash
You see ehn, Okash loan app, wey be Opay digital banking app brother, na one app wey fit borrow you money without BVN for Naija dey give loan for Naija. Just the other day, I fill form sharp sharp, and before small time like this, the money land for my account in less than one hour. You sef fit borrow like 50k without this BVN thing, but I no go sha lie you, their interest rate low.
JumiaPay Nigeria
Jumiapay dey spread well-well for business o, dem get one of the biggest shopping platforms for Africa, and na dem still get this app wey be one the apps wey fit borrow you money without BVN for Naija. JumiaPay services dey cover buying of airtime, paying for TV subscriptions, and other other bills. Among all dis things, dem dey still offer sharp-sharp loans wey fit reach 100k and BVN no go lap.
Alat By Wema App
This bank just be like Cowrywise, na Nigeria’s first ogbenge digital bank wey everybody dey yarn about. You fit save and invest inside and still fit collect loans. You see these guys ehn, dem fit quickly disburse loan of up to 2Metres give person without BVN, collateral, or paperwork. I no sabi as dem dey take run am o. True true, na loan app wey follow for apps wey fit borrow you money without BVN for Naija
GTBank
Some of una for this Naija wey be GTBank customers no sabi wetin God do for una sha. GTbank, wey him bank app dey among apps wey fit borrow you money without BVN for Naija, na the only bank for this country wey nor too get kasala, except if other banks don dey corrupt am small small. But no wahala, no be wetin carry me come be that. GTBank na one of the few commercial banks for this country wey dey give people loan without BVN, dem dey try well-well.
Branch
For inside Branch, you fit transfer money to earn, and invest to earn, but dem no go give you shishi say you borrow money, lol, no mind me. Branch na another Nigerian online banking platform wey person fit collect up to 200k with other personal information and bank statement without BVN, come still fit pay back in like 6 months. This na one app wey fit borrow you money without BVN for Naija wey be sure plug.
Kwikmoney
If dem talk say people no sabi dis app, e no mean say e no dey useful. Kwikmoney interest rate dey very competitive and the application process easy. You fit apply for loan of N1 million without BVN, Yes, na so e easy reach. Na Kwikmoney be one app among apps wey fit borrow you money without BVN for Naija wey get flexible repayment terms with no collateral needed, na dis app be baba abeg.
PalmCredit
As you hear PalmCredit so, you fit dey think say na division of PalmPay company, me sef bin dey reason am like dat. Even though dem get the same name for the beginning, dem be different companies. Inside PalmCredit, you fit borrow small money, but no money small reach wey no fit solve any problem, walai. Dem fit give you from 10k to 200k without needing BVN, and their interest rate no too high, reason am now.
Carbon
This Carbon app dey very popular o. No Nigerian fit count loan apps or even apps wey fit borrow you money without BVN for Naija without mentioning this one, maybe because dem dey treat people wella. Carbon app fit give loans wey range from 1.5k to 1 meters without your BVN. E be one-in-all app for money management.
Aella
For inside apps wey fit borrow you money without BVN for Naija, Aella na the last one I go talk about. This Aella dey do plenty things, you fit use am pay bills, invest, transfer money, and even get instant loans. For inside here, person fit collect loan wey reach 1 million naira without stress and BVN, with interest rate from 2-20%. You see as e low, bah.
Final Talk
Abeg, make you sabi say even if these apps wey fit borrow you money without BVN for Naija no need BVN, sometimes dem fit still bring am as option when you dey fill form to get loan. You fit see am for some apps, but you get option to waka pass am, and you go still collect the loan. If you sabi other apps wey fit give people loan without BVN, abeg write am for the comment section to help another person.
Frequently Asked Questions
Which app dey legit to borrow money for Naija?
Legit apps wey person fit borrow money from for this Naija plenty yakpa, and most of them dey here.
E get any loan app wey no need BVN?
Yes o, na wetin we just talk about finish now now now. All the apps wey I mention for up no need BVN. No be say dem no go fit ask you for the app make you put am o, but e no dey compulsory.
How I fit collect loan within 10 minutes?
Loan apps wey I sabi wey fit give loans sharp-sharp na Okash, EasiMoni, and FairMoney. So if your body dey hot and you no fit wait for long, just use any of the 3 apps wey I don mention, dem dey deliver in less than 10 minutes sef.
I fit borrow money from Opay?
Dial *955# with the phone number wey you use register your Opay account.
Select the option wey talk “loan”.
Follow the instructions wey dem go give you until your loan arrive.
Or
If your Opay app dey updated;
Waka go your dashboard, you go see loan option, click on am.
E go carry you go EasiMoni loan (dem and Opay dey affiliated)
Fill in wetin dem ask you.
The loan go land inside your Opay account.
How much be OKash first loan?
Na from 3k to 5k with interest rates wey dey between 0.1% to 1% daily.
Discover the Leading Australian Loan Apps and master the dynamic world of Australian finance with our in-depth analysis of top money-borrowing apps. We’re talking speedy approvals, slick credit cards, and a deep duck into what makes apps like MONEYME, FastMoney, Athena, Beforepay, SocietyOne, Wisr, and Chime.
If you happen to be managing loans or crafting a budget that fits like a glove, our guide spills the beans on it all. That’s not all, we’ll dish out the inside scoop on alternative lending buddies like Cigno Loans and Fair Go Finance. It’s your ticket to confidently navigate the diverse world of Aussie loans, so let’s dive in together!
In the ever-changing world of finance, a bunch of new apps is making it easier for folks down under to get the cash they need, pronto! Aussies will be stoked to hear that handling urgent money matters just got a whole lot simpler, and you won’t need to break out the tissues, knowing you have the Leading Australian Loan Apps.
Whether you’re after a clear-cut loan process, a home loan, or a payday app that hooks you up without the hassle of dealing with the bank, these apps are about to shake up the way you view borrowing. Hey there, Aussie mates, come take a ride with us as we explore the leading Australian loan Apps —where financial freedom is right at the fingertips of savvy tech users!
Certain considerations to take into account before borrowing a loan:
Loan Amounts
If the app’s offered amount is insufficient to address the problem you are borrowing for, there’s no need to proceed. Begin by determining the minimum and maximum loan amounts the app provides.
Interest Rates
Evaluate the interest rates offered by different loan apps and opt for the one with the lowest rate. This choice can decrease the total amount you’ll need to repay. Additionally, be sure to take into account any associated fees and charges in this category
Loan Terms/Repayment Flexibility
Consider if you can comfortably repay a loan within a short-term period. If not, explore apps that provide longer loan terms. Certain apps may offer repayment flexibility, allowing you to schedule payments according to your income or financial circumstances.
Other Considerations
Prior to securing a loan from any app, assess eligibility criteria, approval timelines, customer feedback, as well as the app’s security and privacy measures. Checkout various money lending apps in the USA that meet these criteria, ensuring you can confidently choose the right one for your borrowing needs.
9 Leading Australian Loan Apps
MONEYME
The MONEYME financial app, a leading Australian loan app, delivers extensive financial support by enabling users to apply for and receive approval on loans and credit cards within just a few minutes. The services provided are quick, convenient, and beneficial, allowing users to borrow up to $50,000 with flexible repayment options. The app also includes a Free Credit Score tool along with tips for enhancement and the it sends notifications and reminders to help users avoid late fees.
That’s not even all – the app introduces the Freestyle Credit Card, perfect for in-app purchases and online shopping. This credit card offers limits of up to $20,000 and up to 55 days of interest-free periods on every purchases. As a users, you can efficiently manage your finances, track repayments, and access special offers, all within the app.
Pros of MONEYME app
This app is especially helpful during emergencies; its loan request approval is top-notch.
It considers positive repayment history from previous loans.
Offers flexibility in repayment options.
Boasts low-interest rates.
The company provides a supportive and non-discriminatory environment for individuals.
Cons of MONEYME app
Limited App Functionality.
Inconsistent Information from Customer Service.
The Freestyle Credit Card has hidden charges.
EMI (Equated Monthly Installment) payments may take up to 10 days to reflect on schedules, which could be inconvenient for some people.
FastMoney
The loan amounts offered in the Jacaranda app range from $2,100 to $25,000. Qualified credit recipients are entitled to three main loan products, which are: Jacaranda Express Personal Loan, ranging from $5,000 to $25,000; Jacaranda Cash Boost Loan, ranging from $2,100 to $4,600; and Jacaranda Car Loan, ranging from $10,000 to $25,000.
Just so you know, immediately after your loan request is accepted on this app, the amount of money you requested can be deposited into your bank account within seconds.
Every loan choice has a flexible repayment period of 24 to 48 months. Lastly, this app ensures a fast application process where you can first check your eligibility, which has no impact on your credit score in any way.
Its key features include a 48-hour cooling-off period and options to check your loan balance, request documents, and make additional repayments. The fact that it can perform multiple features is a key reason why it stands out as a leading Australian loan app.
Pros of FastMoney app
The lending process is clear and straightforward.
Loan approval is swift, proving beneficial during urgent situations.
The app’s design facilitates easy loan monitoring.
The app description does not mention interest rates or fees, making it impossible for intended users to have foreknowledge about.
Chime
Chime, a well-regarded financial technology company, is making waves not just in the United States but also one of the leading Australian loan app. This banking app comes packed with awesome key features that include hooking your paycheck up to two days early through direct deposit, fee-free overdrafts up to $200 for eligible members, and the handy Credit Builder tool designed to pump up your credit score without any pesky interest or annual fees.
And here’s the scoop on Chime SpotMe – a service that lets eligible members overdraft their accounts. Starting from a cool $20, you can flex your overdraft up to $200 or more, all depending on your Chime Account history, direct deposit habits, spending patterns, and other risk-based factors buzzing around the app.
Pros of Chime app
Chime’s straightforward design resonates with users who prefer avoiding in-person interactions at traditional banks.
In contrast to traditional banks that may charge fees for overdrafts, Chime allows fee-free overdrafts.
Chime has a simple and clean UI.
The credit builder card assists users in building their credit history without the need to remember monthly bills.
Chime provides access to various resources, including partnerships with select insurance companies, investment apps, and cashback savings apps.
Cons of Chime app
There are fees associated with cash deposits at selected locations.
The SpotMe feature may encourage spending beyond the account balance.
Beforepay
Beforepay provides a Pay On Demand service, enabling users to instantly access their hard-earned pay without the wait for payday. As one big leading Australian loan app, the straightforward process features a fixed transaction fee and absolutely no hidden costs or interest. Beforepay also goes the extra mile by offering a personalized budgeting service to help users effectively plan and manage their finances.
The best part is that the app is absolutely free to download. The only cost you’ll incur is a small 5% fixed fee when you opt for a pay advance.
Pros of Beforepayapp
The company rewards responsible borrowers by increasing their loan limit.
Beforepay offers flexibility with equal fortnightly payments, facilitating easier management of user repayments.
Users have the option to pay out their loans early.
Speedy fund deposits.
Cons of Beforepayapp
Repayments don’t align with payday.
The app lacks a feature for users to manually edit their pay cycle.
Athena
The Athena app is among the leading Australian loan app, it has completely transformed the way Australians handle their home loans, providing a super user-friendly platform to take charge of your mortgage game. With smooth mobile access, secure login choices, and personalized repayment options, this app makes managing loan details, account balances, and net positions a breeze.
Plus, you can modify your repayment schedule, pick your dates, and zap out instant payments with ease. If you’re looking for Athena’s specific loan deets, interest rates, or repayment dates, visit the app or hit up Athena directly.
Pros of Athenaapp
I highly value the app’s ease of use.
Athena provides innovative features, allowing users to manage home loans on the go.
The app prioritizes robust security measures, requiring users to log in through face or fingerprint recognition.
Cons of Athenaapp
The fingerprint option is not versatile enough, as it only works if the phone is set up to open with a fingerprint, limiting accessibility for users who prefer alternative security measures.
The feature of having to log in every time may be perceived as a cumbersome process.
Wisr
The Wisr App is like having your very own financial sidekick, here to help you make smart money moves, loans and all. Say goodbye to feeling stranded when financial needs pop up as the Wisr loan management has your back, making sure you’re never left hanging.
And because your security is taken seriously, the BreachAlert feature is like a superhero cape for your email. It swoops in, checks for any web exposures, and keeps your digital life locked down tight. This particular feature sets it apart as one of the leading Australian loan apps.
The latest Wisr App update dishes out personalized insights that turn credit scores into your personal success story. Besides, you’re given the power to make extra loan repayments on your terms, because life happens.
Lastly, you can receive personalized loan offers, access personalized loan rate estimates, check balances, make extra repayments, modify repayment frequency, and manage your loan information anytime, anywhere.
Pros of Wisrapp
The app features a convenient tracking option for extra payments.
The app clearly shows one’s financial standing and status.
The app has an effective concept for saving money and paying off loans without requiring active involvement from the borrowers.
Cons of Wisrapp
The app experiences frequent issues, especially with not displaying all linked bank accounts.
Wisr sends too many notifications a day, which could be annoying.
Cigno Loans
Cigno hooks you up with loans up to $10,000 through their network, making it easy to apply. Just fill out a form, link up with their lender network, and expect a speedy response. Keep in mind that getting paid depends on meeting certain criteria and agreeing to terms and conditions. Although popular among users, Cigno, one of the leading Australian loan apps, doesn’t lend money directly. Instead, it acts like a matchmaker at no cost to you, possibly earning fees from middlemen partners.
Pros of Cigno Loans
The application process in this app is easy.
Allows applicants to connect swiftly to Cigno’s lender network.
There’s no cost to the applicant.
Cons of Cigno Loans
The use of targeted Facebook advertisements raises questions about the company’s marketing practices and the potential vulnerability of certain customer groups.
Cigno offers loans up to $1,000 that can be fast-tracked for immediate funds, but this may not meet the financial needs of individuals requiring larger amounts.
Fair Go Finance
Fair Go is a leading Australian loan app because of how it provides speedy online loans to cover car repairs and all your vehicle expenses right here in Australia. Secure up to $10,000, no worries if your credit is on the rocks, it doesn’t matter. We’re all about a quick and secure online experience, delivering cash the same day and giving the green light within an hour for loans up to $5,000.
They’re not just about loans but a major player in personal lending without the bank fuss. Fair Go specializes in personalized debt consolidation loans, customizing rates and terms to keep your costs down. Plus, the company values its repeat customers, offering perks for their loyalty. If you’re packing up and moving in Australia, we’ve got your back with rental bond loans—quick, easy, and stress-free, just the way it should be.
Pros of Fair Go Finance
Fair Go Finance’s application process is simple.
The services offered here are quick and professional.
It is commendable that Fair Go Finance maintains customer loyalty.
Fair Go Finance provides reasonable and flexible payment terms.
Fair Go Finance accommodates multiple loan requests.
Cons of Fair Go Finance
Fair Go Finance’s interest rates are high.
There is a $500 application fee associated with top-ups or refinancing, which some people may find burdensome.
Receiving text messages without prior notice during the loan application process may cause potential discomfort, especially in the context of scams.
SocietyOne
SocietyOne shines as the leading Australian loan app, particularly when it comes to making things easy online – from applying for loans and keeping tabs on them to handling repayments. The app keeps it simple, just hop on with your mobile internet, and breeze through the process with document verification.
You can smoothly handle transactions, keep an eye on your credit scores, and even stash away some savings using the SaveOne account. The app throws in a mix of personal loans with low-interest rates, covering everything from consolidating debts to polishing up your home, celebrating weddings, or getting wheels with car and motorbike loans.
There’s a nifty repayment calculator to help you out. If you’re eyeing payday loans, just make sure you’ve got the basics covered – Aussie residency, age above 18, an Australian address, mobile number, and email.
Pros of SocietyOne
SocietyOne is a reputable and credible online lender, affiliated with the ASX-listed MONEyme group, and trusted by over fifty thousand Australians.
The SocietyOne App prioritizes security, encouraging users to enhance their protection by using robust passwords and additional features such as fingerprints or facial recognition.
The app also streamlines the online application process, making loan tracking and repayment management easy.
Cons of SocietyOne
Limited Credit Score Impact.
SocietyOne primarily specializes in short-term loans, including payday loans. While this may be beneficial for immediate financial needs, it may not suit individuals seeking longer-term solutions with extended repayment periods.
SocietyOne predominantly provides personal loans, which might not cover all types of financial needs.
The eligibility criteria set by the SocietyOne App may restrict access for some individuals.
Summing Up
Our guide to the leading Australian loan apps is your passport to exploring the different realm of Aussie loans. Grab the opportunity for financial freedom—it’s right within your reach. Take the plunge and make savvy money decisions with confidence!
Frequently Asked Questions
Can you get loans in Australia?
Yes, individuals in Australia also have needs to borrow money—like buying a house, car, or funding a business—so they can obtain loans from various financial institutions, including banks, credit unions, and online lenders. However, certain eligibility criteria may be required.
What Australian loan app can I borrow $200 from?
At this rate, the Chime app is what you’re looking for. As mentioned earlier, starting from a cool $20, you can flex your overdraft up to $200 or more. It all depends on your Chime Account history, direct deposit habits, spending patterns, and other risk-based factors buzzing around the app.
How much personal loan can I get in Australia?
Loan apps like Cigno can provide loans up to $10,000, though disbursement is contingent upon meeting specific criteria and agreeing to the terms and conditions.
What is a personal loan in Australia?
A personal loan is one obtained for personal consumption or use, unlike mortgages and auto loans.
How can I check my credit score in Australia?
You can check your credit score through various credit reporting agencies.
If you are new to the U.S. or residing here without knowledge of reliable apps for borrowing money during urgent situations, then this post might be valuable to you. Find the latest apps changing the game on how you get money in the USA. Whether you need quick cash advances or want options to boost your credit, discover reliable solutions for those unexpected financial situations.
Check out easy-to-use guides that break down loan amounts, interest rates, and repayment flexibility. Get the lowdown on apps like Brigit, Dave, EarnIn, LendingTree Spring, Lightstream, MoneyLion, Upgrade, and Varo Bank. Amp up your finances with top-notch money-borrowing apps designed specifically for the United States. A bunch of groundbreaking apps have totally revamped how folks get and handle money in the United States.
Life throws financial curveballs sometimes, whether it’s upgrading your stuff, kicking off a business, dealing with debts, covering rent, or ducking into investments. Now, the apps I’m about to drop are all about keeping things simple and easy for you. They’ve got your back for quick access to cash, personalized loan options, and a bit more wiggle room in your financial game with these top apps for borrowing money in the USA.
Certain considerations to take into account before borrowing a loan:
Loan Amounts
If the app’s offered amount is insufficient to address the problem you are borrowing for, there’s no need to proceed. Begin by determining the minimum and maximum loan amounts the app provides.
Interest Rates
Evaluate the interest rates offered by different loan apps and opt for the one with the lowest rate. This choice can decrease the total amount you’ll need to repay. Additionally, be sure to take into account any associated fees and charges in this category
Loan Terms/Repayment Flexibility
Consider if you can comfortably repay a loan within a short-term period. If not, explore apps that provide longer loan terms. Certain apps may offer repayment flexibility, allowing you to schedule payments according to your income or financial circumstances.
Other Considerations
Prior to securing a loan from any app, assess eligibility criteria, approval timelines, customer feedback, as well as the app’s security and privacy measures. Checkout various money lending apps in the USA that meet these criteria, ensuring you can confidently choose the right one for your borrowing needs.
Apps for Borrowing Money in the USA
MoneyLion
The MoneyLion app is well-known in the US for its generosity and stands out among the top apps for borrowing money in the USA. Its marketplace allows users to explore and apply for personal loans, with the option to get up to $500 in minutes through a quick cash advance—no credit check or interest involved.
Repayment terms span from a manageable 12 months to a more extended 7 years. The Credit Builder Plus Membership is like your golden ticket to a subscription-based world where you can access a Credit Builder loan of up to $1,000.
Different features come with their own set of terms and conditions, and here’s the fun part – you can actually score some bonuses and rewards just by hopping on board and actively using the app.
Pros of MoneyLion app:
MoneyLion functions as a bank, broker, and investor, offering a comprehensive suite of financial services within a single app.
The instaCash feature proves beneficial for obtaining quick cash when needed.
After making timely membership fee payments, users become eligible for a loan without undergoing a credit check.
The app serves a dual purpose, addressing both loan needs and contributing to credit-building and ongoing investments.
Cons of MoneyLion app:
Some payday advance apps and loan providers do not recognize MoneyLion as a valid banking institution, thereby limiting options for obtaining loans.
Using MoneyLion for direct deposits and seeking loan approvals from other sources may result in delays and inconvenience.
The app might not be suitable for individuals lacking the financial capacity to cover both membership fees and the loan.
Users may experience delays in document verification.
Varo Bank
Among the numerous top apps for borrowing money in the USA, Varo is a financial technology company primarily offering digital banking services in the US. The platform provides a credit-building card with no security deposit, a high-yield savings account, and features one of the highest advance limits available, allowing users to borrow up to $500 over time.
Varo’s short-term loan incurs no interest charges; instead, it has a fixed fee of no more than $40. Advances must be repaid within 30 days or less. This mobile banking app also boasts robust virtual security measures.
Pros of Varo Bank app:
Varo allows easy borrowing of money to pay bills.
Allows for building up borrowing limits by consistently paying back on time, in case of occasional financial assistance needs.
Even if a person has been cut off due to non-payment, Varo allows the option to resume borrowing at a lower limit.
Cons of Varo Bank app:
Strict non-payment policy
While Varo permits users to resume borrowing after a year, the limit resets to just $20.
Brigit is a personal finance app that stands out among the top apps for borrowing money in the USA. In the United States, users can receive instant amounts ranging from $50 to $250 without undergoing credit checks, dealing with processing fees, making upfront security deposits, paying interest, or incurring late payment fees.
The repayment period is 24 months (2 years), and the loans from this app come with a 0% APR. The funds are stored in a deposit account. In addition to cash advances, Brigit provides various features and activities within the app. The basic plan, which includes account alerts and financial insights, is free.
For users opting for paid plans priced between $9.99 and $14.99 per month, additional benefits are offered. These include interest-free cash advances, tools for credit building, budgeting assistance, identity protection, and savings features.
Pros of Brigit app:
Brigit has no hidden fees or tricky methods to extract additional tips.
The promptness in receiving the loan is top-notch.
There are timely updates on eligibility for advances.
Cons of Brigit app:
A monthly service fee is charged at the end of the month, regardless of whether the service was used.
Cancelling the subscription may be challenging.
There is no option to extend loan repayment.
EarnIn
EarnIn is not just another financial app; it is a standout among the top apps for borrowing money in the USA. It is not a payday loan or personal loan service; rather, it enables users to access their earned pay in advance, bridging the gap between paychecks to meet immediate financial needs.
Users can connect their bank accounts to the app for instant access to their earned pay and utilize Lightning Speed transfers for quick payments.
EarnIn’s service is designed to be a no-cost alternative to cash advances and payday loans, with no interest or credit checks. Users can access up to $100 per day and up to $750 per paycheck, with automatic repayment deducted from their next paycheck.
Pros of EarnIn app:
EarnIn offers a swift and cost-effective solution for users.
EarnIn doesn’t require a credit check, making it a viable option for those with maxed-out credit limits or poor credit history.
Users can swiftly access a substantial amount of funds within minutes.
Quick Setup and borrowing process
Cons of EarnIn app:
There is a lengthy verification process when linking the app to a bank account.
Automatic withdrawals occur on the day of or the day after the user’s paycheck.
Setup can be challenging.
Dave
Besides offering cash advances, the Dave app provides additional benefits such as early access to paychecks, cashback rewards, savings features, assistance in finding side jobs through Side Hustle, and is associated with Mark Cuban’s companies. It stands out among the top apps for borrowing money in the USA.
Dave app can offer cash advances of up to $500 instantly, allowing users to pay back when they receive their paycheck, without a credit check or interest. Membership costs $1 per month, covering account monitoring, notification services, budgeting tools, and maintaining a connection to an external bank account.
Pros of Dave app:
The app is being accessible to anyone with a job and a bank account.
Accessibility and Quick Approval
Transparent and Affordable Fees
Unlike some other apps, Dave does not require direct deposit, making it a potentially better choice for individuals who receive their income in the form of paper checks
The app provides consistent and early paychecks.
Cons of Dave app:
Slow bank payment processing.
Users should exercise caution when taking advances due to the lack of clarity in the terms governing when and how much they can take an advance. This will help them avoid a sense of unpredictability.
Limitations on the amount and timing of advances
Upgrade
Upgrade, a financial technology company, provides a variety of loan options to suit its users, distinguishing itself among the top apps for borrowing money in the USA. This includes Personal Loans, Auto Refinance Loans, and Home Improvement Loans. These offerings are made possible through partnerships with various banks, including Cross River Bank.
As a fintech company, Upgrade differs from traditional banks. The terms of the loans, including minimum and maximum amounts, are determined by factors such as the loan type, the borrower’s creditworthiness, and adherence to state regulations.
Pros of Upgrade app:
Upgrade provides numerous options to reduce loan payments.
Upgrade approves loans for users, even with high balances on credit cards.
The approval process is quick and efficient.
Upgrade is highly professional due to its level of competence.
Loan processing doesn’t take much time, and the funds would reflect in users’ account balances within 24-48 hours.
Cons of Upgrade app:
Some users encounter unresolved issues and challenges with Upgrade’s website interface.
The app is the sole means of access for credit card account management.
Upgrade does not provide paper billing.
Lightstream
The LightStream financial company, a division of Truist Bank, is dedicated to simplifying financial management and stands out among the top apps for borrowing money in the USA. It facilitates on-the-go loan applications, offering key features like biometric sign-in, access to the loan dashboard, loan payoff details, and payment tracking.
The app provides various loan options, such as home improvement, auto loans, debt consolidation, and more. With a focus on being one of the top apps for borrowing money in the USA, the maximum APR for a LightStream loan is 26.49%, though APR varies based on the loan amount, purpose, term length, and credit profile.
Loan rates are quoted with an AutoPay discount, and rates without AutoPay are 0.50 percentage points higher. Loan terms range from 24 to 144 months, depending on the loan type.
Pros of Lightstream app:
LightStream’s overall outlook, including its visual design is appealing.
The app is compatible with various iOS devices, ensuring accessibility for a wide range of users.
The application process is easy and streamlined, facilitating a quick and hassle-free experience.
LightStream boasts fast fund disbursement.
The app offers low-interest rates.
Cons of Lightstream app:
Lack of awareness about payment timing
Its performance is hindered by excessive loading screens, indicating a need for optimization to enhance speed and responsiveness.
LendingTree Spring
The LendingTree Spring Loan stands out among the top apps for borrowing money in the USA, offering amounts ranging from $1,000 up to $50,000 through its participating lender network in the U.S. Lenders may charge an origination fee, typically around 1% of the requested amount. The app also provides credit monitoring, fraud alerts, and quick access to loan funds.
Borrowers can compare rates from a different lender network to make informed financial decisions. The available loan options include home loans, business loans, and more.
Pros of LendingTree Spring app:
Users can apply for loans and credit cards directly within the app.
The app is known for its simplicity, clarity, and reliability.
It is helpful for shopping for loan rates.
Cons LendingTree Spring app:
Users receive spam calls and emails after using the app.
The app has limited product offerings, primarily focusing on credit cards and mortgages.
Final Words:
In conclusion, navigating financial challenges in the USA is made easier with these user-friendly and innovative money borrowing apps, standing out among the top apps for borrowing money in the USA. Remember to consider factors like loan amounts, interest rates, and repayment flexibility before making a decision. Empower your financial journey with confidence using these top-notch apps designed to meet your borrowing needs in the United States.
Another way through which one can obtain money without getting embarrassed include doing it virtually. Embarrassment, in this context, can manifest as physical insults or personal shame. Money can be borrowed to top up or finance a business, resolve a situation that requires money urgently, get school fees and house rents paid, invest, and much more. If you are reading this post, consider yourself lucky because you are on the verge of discovering top iPhone loan apps to borrow money from.
These apps are designed to discreetly preserve users’ information, provide a meaningful amount of money, and offer considerable repayment periods and interest rates. You may be seeking criteria for taking a loan from several apps; here are some things to consider:
Loan Amounts
If the amount the app offers will not be sufficient to solve the problem for which you are borrowing, then there is no need for you to proceed. First, find out the minimum and maximum amount of money the app issues.
Interest Rates
Compare the interest rates of various loan-giving apps and choose the one with a lower interest rate. By doing so, you will reduce the sum of money you have to pay. Also, don’t forget to consider fees and charges in this sector.
Loan Terms/Repayment Flexibility
Can you pay back a loan with a short-term? If not, look for an app that offers a longer loan term. Some apps may have features like repayment flexibility; you can utilize it and schedule your repayment based on your income or financial situation.
Other Considerations
Before obtaining a loan from any app, check eligibility, approval time, customer reviews, and the app’s security and privacy. Now check out several iPhone apps that you can confidently borrow money from;
The CreditWave loan app is a user-friendly platform where customers can borrow a substantial amount of money at very low interest rates, with no additional fees charged. The app sets a maximum loan limit of N500,000 and a minimum of N10,000. Moreover, users enjoy flexibility in repayment, with the option to pay within a generous 180-day period.
Pros:
The CreditWave loan app conducts a responsible and thorough assessment of borrowers, contributing to a sense of security for users.
At LendQuick, users can borrow in accordance with their eligible loan amount. Business entities, individuals, and experts have the flexibility to borrow as much as needed and can repay within a term ranging from a minimum of 62 days to a maximum of 336 days. The borrowing process is stress-free, requiring no collateral or bank visits, and funds are transferred directly to your wallet. Instant cash disbursal is a key advantage.
The interest rates are attractive, with a minimum of 3% per month and a maximum of 10% per month, resulting in an Annual Percentage Rate (APR) of 36%. Note that for specific loans, a guarantor may be required and that users’ past loan performance and credit score could impact their eligibility on this app.
Pros:
Quick cash disbursal
Attractive interest rates
Flexible repayment terms
Minimal documentation required for loan eligibility
Cons:
Potential delay in processing the loan
Lack of information on loan processing time
Users may face persistent loan denials, leading to frustration
FairMoney stands out as a leading Fintech App in Nigeria, renowned for its swift loan disbursement capabilities. Each day, FairMoney extends financial support to over 10,000 individuals. Accessible on the Apple Store, the app streamlines the borrowing process, requiring only a valid ID, an active payment card, and contact details of the next of kin.
With FairMoney, borrowers can secure loans of up to 3 million naira, providing the flexibility to repay over a generous period of 540 days with attractive interest rates. The application process is remarkably efficient, with approval typically granted in less than 10 minutes.
Noteworthy for its commitment to regulatory compliance, FairMoney operates under the licensure of the Central Bank of Nigeria. Beyond its core lending function, the app offers a range of additional services.
Pros:
Offers speedy and fast transfers of loan
Users can access higher loan amounts and there’s an option for loan top-ups while servicing an existing loan.
The app has a responsive customer service
The platform offers interest discounts of up to 90% for early repayments
Borrowers enjoy flexible repayment terms, ranging from 61 days to 24 months
Offers a wide range of financial services asides loan
Cons:
Users may receive frequent reminders, including calls and messages, especially during payment periods.
You should encounter few issues when changing your password.
Loan approval criteria is inconsistent.
The platform imposes high-interest charges
While the platform provides flexible repayment terms, it may not cover all possible preferences for repayment periods.
GoCash is a fintech company located in Abuja that offers low-interest loans with easy verification through a BVN card. Prospective borrowers must be between 18 and 50 years old, possess an active bank account, and provide a mobile number because the app facilitates flexible fund disbursement and repayment through banks, including both traditional and mobile banking channels.
The loan amounts range from ₦20,000 to ₦80,000, with a repayment period of 91 to 180 days. The annual interest rate is capped at a maximum of 33%, resulting in a daily rate of 0.09%.
Pros:
The simplicity and efficiency of the loan application process are worthy of appreciation.
Users enjoy flexible disbursement and repayment.
Cons:
Borrowing money here would entail high-interest rates and short repayment periods.
The loan amounts and repayment options are very limited, and the disbursement process is slow.
Renners Investment Limited is one of the newly established platforms in Nigeria, dedicated to helping people meet their bills and financial targets by providing loans. Loan limits range from NGN 3,000 to NGN 500,000, with a daily interest rate of 0.05%, which is relatively low compared to some apps. Since its creation in 2020, this app has maintained a standard of quickly disbursing loans. Users need only wait for a short period and repayment terms span from 91 to 365 days.
Pros:
Easy Repayment process.
Quick Loan Approval.
The loan terms and characteristics, including loan term, amount, interest rates, and fees, are clearly outlined.
Improves credit scores and extends credit limits through timely payments.
Cons:
Users may not be able to reuse the registered bank card for subsequent transactions.
Carbon is a well-known financial app in Nigeria that provides diverse banking services, including high-interest savings and instant short-term loans. The platform offers a variety of features such as money transfers, savings, and shopping. However, its popularity stems from its loan offerings, ranging from ₦1,500 to ₦1 million, with flexible interest rates spanning from 1.75% to 30%. Borrowers enjoy the comfort of repaying loans over a maximum period of 64 weeks, equivalent to 448 days.
Pros:
Carbon boasts robust security features, including PIN verification, to safeguard against unauthorized access.
It provides loans with flexible interest rates and extended terms.
The company promptly addresses customer reviews, enhancing customer service.
With quick loan disbursement and transparent processing, Carbon ensures an easy user experience.
Cons:
Many users encounter challenges with account verification.
Sofri’s primary goal is to cater to Nigerians seeking a platform for obtaining loans to meet various financial needs, offering competitive interest rates. Launched two years ago, this mobile banking app is a product of LINKS Microfinance Bank, a member of the DLM Capital Group.
Pros:
Easy and fast installation
User-friendly interface
Quick access to loans and investment plans
Cons:
Ads discrepancies
Customer support and responsiveness
Conclusion:
Dear iPhone users, taking a loan virtually will save you tons of embarrassment and protect your name or business name from any sort of shame. Additionally, it will give you a longer-term range to pay back. All apps above are very easy to access; you just have to download them and follow every instruction. If you know about other apps that fit into the function of the ones above, please let us know in the comment section.
People borrow money for various reasons, be it for urgent business needs, academic pursuits, or other undisclosed purposes. Opting for online loans is advisable due to the absence of collateral requirements and the avoidance of physical confrontations during the repayment period.
If you’re unsure about the ideal lending apps, I’m here to assist. The following apps are exclusively accessible to Nigerian citizens, meticulously curated with insights from user reviews. This comprehensive review includes the pros and cons of each app, information on loan limits, and their respective interest rates.
Importantly, all these apps have a clean record, free from any past or present reports of scams, ensuring their trustworthiness. Now, lets dig in to the apps we have to review today.
7 Apps to borrow money instantly in Nigeria
Palmcredit
People might assume that this app and PalmPay are from the same company simply because they share the same prefix, but they aren’t. They actually belong to different companies. Palmcredit allows you to borrow from the range of NGN10,000 to NGN300,000 and repay within 91 to 365 days.
If you’re not at least 18, don’t consider borrowing from this app, as it only lends to individuals between 18 and 60 years old. The company is located at AIT Road, 17 Oguchi Okorie Street, off A. I. T. Rd, Lagos, Nigeria.
You can easily borrow by downloading the app, and there’s no need for collateral or paperwork. The Annual Percentage Rate (APR) varies from 24% to 56%. For example, a 6-month loan of NGN80,000 incurs a 4% monthly interest rate, resulting in a 48% APR. The repayment schedule involves paying NGN19,200 per month for 180 days, totaling NGN99,200.
Pros:
No collateral or paperwork required
Quick loan processing
No hidden fees, rollover charges, or transaction fees
With consistent use of the app and timely repayments, the credit score improves, leading to reduced interest rates and longer loan durations
Palmcredit provides instant access to funds during times of urgent need
Cons:
High interest rates
Palmcredit is specifically tailored for Nigerian residents
Age restriction
Limitation in borrowing smaller amounts after borrowing a larger sum, which may restrict flexibility
ALAT is a product of Wema Bank and stands as Nigeria’s pioneering fully digital bank, offering users a convenient option for obtaining collateral-free loans. Users can apply for loans ranging from NGN 50,000 to 3 million within one hour, subject to specific eligibility criteria. The application process is streamlined, and borrowers can repay the loan at a 2% interest rate per month over a flexible period of 3 to 24 months.
ALAT prioritizes transparency, ensuring there are no hidden charges. Users have access to customer support through email, phone, and an online support portal for any assistance they may require. Pros:
Collateral-free loans
Fully digital banking app
User-friendly interface
Cons:
Possible SMS and data charges
Potential challenges for users less comfortable with technology
Limited physical presence
Some reported issues with the recent app update
QuickCheck
QuickCheck Loan App is a user-friendly platform that provides collateral-free loans to Nigerians without requiring guarantors. The app offers annual interest rates starting from 5% on the first loan, with subsequent monthly rates ranging from 2% to 30%. Borrowers can apply for loans ranging from ₦1,500 to ₦1,000,000, with flexible repayment terms spanning 91 days to 1 year. Usually, users undergo a credit scoring process to determine eligibility and then place an order for a loan. Pros:
Low interest rates
Flexible repayment structure
Transparent loan terms
Emphasis on security and reliability, utilizing artificial intelligence for credit scoring and ensuring encrypted data for user privacy
Timely repayments can improve users’ credit scores, granting access to higher loan amounts, longer tenures, and lower interest rates.
Credit scoring may pose a challenge for individuals with lower credit scores, limiting their eligibility for loans
Payment and verification delays
Difficulty changing the bank account within the app.
OKash
If you already have the Opay app installed on your phone, you should also consider its mechanized lending service, OKash. In the app, interest rates range from 0.1% to 1% daily, resulting in an Annual Percentage Rate (APR) between 36.5% and 360%. This is minimal compared to other loan apps.
The verification process may involve a phone call, and the final application result is communicated through the app and SMS. OKash offers users loans ranging from NGN 3,000 to NGN 500,000 with repayment periods of 91 to 365 days. To be eligible, you must be between the ages of 20 and 55. The physical branch is located in Lagos. Pros:
Flexibility in repayment terms with extended periods.
Quick loan disbursement.
Paying back on time can positively impact the interest rate.
Low-interest rates.
OKash emphasizes the security and privacy of user data.
Cons:
Okash would call you on weekend days, like Sundays, and may even contact you between 10pm and 5am, when your loan is due or nearing its due date.
When you don’t pay up on time, they add over N1500 each day, which is too huge!
Inconsistencies in loan limits.
Loan amount limitations.
Restrictions on repayment modules.
Age limit for eligibility.
Newcredit
The Newcredit app services have been available for over 3 years and have gained a significant user base. This is largely attributed to its reputation for providing easy access to loans with amounts ranging from ₦10,000 to ₦300,000 and repayment periods of 91 to 365 days.
To be eligible, you must reside in Nigeria, fill out basic information, and submit the loan application. Additionally, applicants must be aged between 18 to 60, providing necessary documents and proofs. The platform ensures a secure loan process and features an APR ranging from 24% to 56% per annum. Pros:
Fast and Easy Borrowing Process
Flexible Repayment Options
Simple Application Process
Fast Disbursement and High Loan Limit
No Mortgage Required
Cons:
Difficulty in Lowering Loan Amount
Short Loan Duration
Relatively High Interest Rates
EaseMoni
EaseMoni, much like Okash, is reportedly owned by Blue Ridge Microfinance Bank Limited. It is typically displayed on Opay’s online banking app, identifiable by its icon (ensure your Opay app is updated to view this feature). The microfinance banking license from the Central Bank ensures robust security for user data.
EaseMoni offers loan products ranging from NGN 4,000 to NGN 1,000,000, with a repayment period spanning 91 to 365 days. Interest rates fluctuate between 5% and 10% monthly, resulting in an Annual Percentage Rate (APR) ranging from 60% to 120%. Pros:
Fast and Reliable Service
Credit Limit Increase
Revolving Loan Benefit
Extended Loan Tenure
Borrowers also receive timely repayment reminders, reducing the risk of forgetting to make payments.
Cons:
High Interest Rates
Delay in Loan Limit Increase
Limited Flexibility for Repayment
Repeated Loan Offers
CreditWise
The CreditWise loan app provides loans ranging from ₦10,000 to ₦300,000, with flexible repayment periods spanning 91 to 365 days and annual interest rates ranging from 12% to 20%. To be eligible, users must be Nigerian residents aged 18-60 and provide valid documentation and proofs. To access a CreditWise loan, install the app, register an account, submit a loan application, and receive the approved loan directly into your bank account. Pros:
Ultra-Fast loan disbursement
Varied repayment periods
Simple application process
Instant loan approval
Flexible payment options
Cons:
Automatic generation of repayment plans
Inability to cancel loans
High interest rates
Conclusion:
These apps do not demand mortgage or collateral and offer a reasonable repayment period. Opting for online borrowing is safer than offline transactions, where one might face bullying and humiliation over owed money. Moreover, each of the mentioned apps prioritizes the security and privacy of your data, ensuring a trustworthy experience. Feel confident in using them without hesitation.
If you know of any apps similar to the ones mentioned above, please share them in the comment section. Your insights can be valuable to others seeking reliable borrowing options.
