Omotoyosi Popoola
Jul 11, 2025
In Nigeria’s informal economy, access to credit can mean the difference between staying small and scaling up. This is the story of Mama Tomi, a determined provision seller who turned her corner-shop hustle into a thriving mini-mart with the help of a loan without collateral. As more people explore online loans, personal loans, and loan apps in Nigeria, this story highlights how financial tools once out of reach are now fueling real, grassroots success. Whether you're looking for an urgent loan, a low-interest loan, or the best loan apps to get started, Mama Ife’s story offers inspiration, hope, and a few lessons along the way.
Mama Tomi’s Corner Shop Hustle
Mama Tomi’s provision store was small and simple, but packed with potential. She sold everyday items like sachet Milo, spaghetti, soap, and matches. She opened early in the morning and closed late at night. But things were slow. Her stock wasn’t enough, and sometimes, customers left because she didn’t have what they wanted. Deep down, she believed the shop could grow if only she had a little money to boost it.
When the Need Became Urgent
One unfortunate day, Mama Tomi’s freezer stopped working during a long power outage. All her cold drinks got spoiled. That week alone, she lost almost ₦40,000, money she had planned to use to restock for the next month.
She needed money fast. But where would she get a loan? She didn’t own land, had no car, and no one to stand in as a guarantor. Going to the bank wasn’t even an option.
Mama Tomi also ran a small POS business on the side. That same week, a regular customer came to make a withdrawal. While waiting, the customer received a phone call and said something that caught Mama Tomi’s attention:
"Thank God for this loan I got o, I wouldn’t have been able to settle all these bills."
Curious, Mama Tomi asked, "Loan? From where?"
The customer smiled and replied, "QuickCheck. They give loans without collateral. I’ve used them a few times very fast and easy to use."
Taking the First Step
Immediately, the customer left, and Mama Tomi took out her phone. She opened Google and typed:
“QuickCheck loan app”
She clicked the first result, read a few reviews, and then went straight to the Play Store.
She downloaded the QuickCheck app, created an account, and followed the steps carefully. It requested her BVN, ID, and other basic details. At first, she hesitated, worried it might be too good to be true. But something in her said, “Just try.”
Within 10 minutes of applying, she received a credit alert.
₦20,000.
Mama Tomi blinked in shock. Then smiled.
With that money, she was able to restock a few items in small quantities. And just in time, too, the school term had started, and the children in her area were back to buying snacks.
Small Wins, Bigger Confidence
She repaid the loan in 3 weeks. Not only did she qualify for a higher amount next time, but something in her shifted: she felt seen. Supported. Empowered.
Over the next 8 months, Mama Tomi took three more small, short-term loans and always repaid them early. She used them to:
Add a second freezer.
Start selling wholesale.
Paint her shop and make new display shelves.
Today, her shop is locally known as “Tomi Ventures” in Ikorodu, a full mini-mart serving customers beyond her street. She no longer borrows as often, but she says the loan without collateral gave her the push she needed to rise.
Mama Ife’s journey isn’t just about money; it’s about access. It’s about what happens when the right people get the right tools, at the right time.
If you're a trader, student, or business owner looking for a way forward, consider exploring:
Online loans that prioritise ease and speed.
Loan apps with clear terms and no collateral.
Low-interest loans that support growth, not stress.
QuickCheck is a top choice for Nigerians. With its user-friendly app and fast approval process, we are here to help people like Mama Tomi take small steps toward bigger dreams, no collateral, no guarantors, just support when it counts
A loan without collateral isn’t just about skipping paperwork; it’s about opening doors for people like Mama Tomi, whose ideas and energy were never in doubt, only their access to funds.
So, whether you're searching for the best loan apps in Nigeria or just wondering if that small dream can grow, remember this:
It started with one step. One small loan. One bold decision to try.
FAQs
How can I borrow from QuickCheck?
Borrowing from QuickCheck is simple:
Download the QuickCheck app on Google Play.
Sign up and create an account.
Apply for your loan in minutes.
How long does it take to get a loan in Nigeria?
The time required depends on the lending platform. With QuickCheck, you can receive a loan in as little as 5 minutes.
Can I get a loan in Nigeria instantly?
Yes, you can! If you want to try QuickCheck, download the QuickCheck app from Google Play, sign up to create an account, and apply for a loan in minutes. Once accepted, the loan will be credited instantly to your preferred bank account.
What are the interest rates for loans in Nigeria?
Interest rates vary across loan providers. QuickCheck offers competitive interest rates with flexible repayment terms.
Do I need to submit any documents?
No. You do not need to submit any documents to get a loan. With QuickCheck, you can access an urgent loan with no collateral or paperwork required. All you need to do is correctly fill in the required information on the QuickCheck app.