Personal Loans
Get Personal Loans

Get Unsecured Personal Loans

Unlock a world of possibilities, fulfil both your future and present plans today with our quick & instant unsecured Personal Loan

As with everything else on ALAT, you can now apply for an Instant loan without paperwork, no visitation to any physical location, and response time between acceptance of offer and loan disbursement is in minutes. 

Wether you want to pay for school fees or need salary advance or purchase devices like mobile phone, laptop, digital gadget etc, you can now do so whenever and wherever.

Enjoy high loan amount up to ₦2,000,000 (Two million naira)

Alat unsecured personal Loans

Our Featured Personal Loans

Goal Based Loan with ALAT
Goal-Based Loan
Salary based loan
Salary Based Loan
ALAT device loan - instant loan
Device Loan
get a payday loan
Payday Loan
SME Loans
SME Loan

  • Login to ALAT or sign-up if you have not
  • From the menu items, click on ‘’Loans’’
  • Read through and understands ALAT disclaimer
  • Upon successful credit evaluation and checks, a loan offer is presented with duration and applicable interest based on the user’s current risk score
  • Read through and accept the Terms & Conditions which will contain consent to having your account debited for repayment at loan due date and provide your debit card details to be debited
  • Your account will be immediately credited.
instant loans

How to get a device

  • Log in to the app/ sign up
  • Go to Loans
  • Click “Take a loan”
  • Select device loan
  • Select your preferred vendor
  • Select your preferred device
  • Indicate how much money you have right now (not less than 20% of the device amount
  • Choose how many months you need to pay the balance
  • Choose an account to be assessed for the loan
  • View loan offer (amount, due date, amount to be repaid)
  • Accept loan offer and terms and conditions
  • Select a delivery option and fill in delivery details
  • Setup collection on the account assessed for the loan- If it is on other bank account, a remita mandate will be setup on the account
  • Make initial payment and delivery fee (if applicable)
  • Request will be sent to vendor and you will be contacted in 24 hours
instant loans

  • On the due date, your account will be automatically debited and the loan will be settled
  • If you wish to pay back before the due date on any of the loan type
  • Log in to the app and click on loans
  • Click on payoff loan on the loan card
  • Select account to debit and enter PIN
  • For more information, please follow this link to our Frequently Asked Questions.
instant loans