Top 20 Loan Apps Without BVN in Nigeria 2026

Many of our users have been asking us for information about loan apps in Nigeria without BVN requirement?

One of the outstanding questions they put out is: “Is there a loan app in Nigeria that doesn’t require BVN?”

Well, you won’t see so many loan apps in Nigeria that don’t require BVN, nevertheless, there is still valid ways and apps that will give you loan without asking for your BVN.

Can you really get loans without your BVN?

Yes. In 2026, there are few loan apps that can give you small or starter loans without providing your BVN immediately, although you may have to do other verifications.

In this article, we’ll take time to explain everything you need to know and how you can access loans from loan apps without submitting your BVN instantly.

Why Do Loan Apps Ask for BVN?

Even though some loan apps promise they don’t need BVN up front, most trusted and licensed lenders will ask for it before offering higher limits.

That’s because, legitimate and legal lenders like banks and licensed digital lenders usually require your BVN as part of identity verification and fraud prevention. That’s because BVN helps them confirm that you are you and reduces fraud risk.

Loan apps in Nigeria ask for your BVN for the following reasons:

• To adhere to BVN regulations and guidelines
• To track your loan history across different lenders
• BVN helps fight fraud and identity theft
• It connects your loan data to Nigeria’s banking system securely for tracking purposes
• It helps lenders track repayment performance to secure their loans

BVN verification is part of the lender’s compliance with CBN & anti-money-laundering rules

Most reputable loan apps require BVN verification before offering higher loan amounts or repeated loans. BVN is linked to your banking profile and helps lenders protect both you and themselves.

Without BVN, it becomes difficult for lenders to assess your credit history, which means you’ll be limited to small amounts or totally disqualified from taking a loan.

Why Do Some Loan Apps Give Loans without Asking for BVN?

The fact that some loan apps don’t ask for BVN doesn’t mean that you won’t do any KYC verification.

Most loan apps without BVN verification requests at first will always use other ways of verifying you, like your phone number, NIN, device data, app data, or linked digital account’s data. This enables them to access your creditworthiness and the amount of loan you can qualify for.

How No-BVN Loan Apps Work

Loan apps without BVN in Nigeria often work by:

• Using your phone number and personal details to check if you are qualified for their loan
• Analyzing your phone data, SMS, contacts, and behaviour to build a risk score
• Linking loans to your mobile digital banks’ data
• Using alternative IDs like NIN and facial verification for identity purposes
• Allowing you to take your first small loan amount before asking for your BVN to let you access more loans

Top 20 Loan Apps You Can Borrow Money From Without BVN (Conditionally)

Below are some loan apps where users report being able to conditionally get small starter loans without providing their BVN (usually for small loan amounts while BVN is needed later for bigger loans)

Loan App	Max Loan Amount	Interest Rate (Approx.)	Repayment Period	BVN Requirements
Okash	₦500,000	Up to 24%	91 – 365 days	Without BVN (via Opay)
EaseMoni	₦1,000,000	From 5%	1 – 6 months	without BVN (via Opay)
Migo	₦500,000	Variable	4 – 40 weeks	Without BVN (via *561# USSD)
PalmCredit	₦300,000	14% – 24%	14 – 180 days	BVN or NIN
Aella Credit	₦2,000,000	From 4% monthly	1 – 12 months	BVN/NIN
Renmoney	₦6,000,000	From 2.8% monthly	3 – 24 months	BVN/NIN
FairMoney	₦3,000,000	2% – 30% monthly	1 – 12 months	BVN or NIN
QuickCheck	₦500,000	5% – 30%	30 – 180 days	BVN/NIN
Umba	₦300,000	From 10%	7 – 30 days	BVN
Branch	₦500,000	15% – 34% APR 4 – 40	4 – 40 weeks	BVN/NIN
KiaKia	₦200,000	Peer-based	7 – 30 days	BVN
Lendigo	₦5,000,000	Custom	1 – 12 months	BVN
Credit Direct	₦2,000,000	Salary-based	3 – 12 months	BVN
Carbon	₦1,000,000	1.75% – 30%	1 – 6 months	BVN/NIN
CashLion	₦300,000	Variable	Short-term	BVN
GoCash	₦200,000	Variable	Short-term	BVN
Sokoloan	₦200,000	High (short-term)	7 – 30 days	BVN
Kuda Loan	₦500,000	Variable	14 – 30 days	BVN
Lapo Loan App	₦500,000	Variable	Flexible	BVN
NewCredit	₦300,000	Variable	Short-term	BVN

Popular among them are:

1. Migo Loan App

Migo lets you borrow loan by using just your phone and USSD code (*561#), often without BVN for starter amounts.

• ₦500–₦50,000 for new users
• Loan increases over time with good repayment history and further verifications

To apply, simply dial *561# on your phone and follow the screen instructions.

• Migo gives instant personal loans.
• No collateral.
• No long forms.
• Approval usually takes about 2 minutes.

Requirements:

• You must be 18 years or older
• An active phone number
• A bank account

If you want a fast and simple loan without BVN stress, Migo is a good option—especially in emergencies.

2. Okash

Okash is one of the most well-known loan apps in Nigeria. It is owned by Blue Ridge Microfinance Bank and works closely with Opay.

What makes Okash special is that you can get a loan without BVN if you already use Opay.

How it works:

• Download the Okash app from Google Play Store
• Sign in with your phone number
• If needed, reset your password using OTP

With an active Opay wallet, you can apply for a loan without BVN

• Loan Amount: ₦3,000 – ₦2,000,000
• Repayment Period: 91 – 365 days
• Interest: About 3% – 15% monthly
• Age Requirement: 20 – 55 years
• ID Accepted: NIN, driver’s license, or passport

Many users like Okash because approval is fast and the app is easy to use.
However, late repayment can lead to higher costs and frequent reminders.

Okash is licensed by the CBN, which makes it a legitimate lender.

3. KashNow Loan

KashNow is a good option if you need small urgent cash between ₦5,000 and ₦30,000.

Key things to know:

• Repayment: 30 days (one salary cycle)
• Requirements: Phone number, valid ID, and salary account
• No BVN required if your salary is paid through Remita  
• You can apply online or dial *5077#.

KashNow is owned by UC Plus Advance Ltd, a subsidiary of United Capital Plc, a trusted financial group in Nigeria.

If you need a quick loan tied to your salary, KashNow is worth considering.

4. EaseMoni Loan App

EaseMoni allows you to borrow money without BVN via Opay. Instead of BVN, EaseMoni use your Opay account details, phone data for credit scoring

How to apply:

• Log in to your Opay account
• Click on the loan section
• You’ll be redirected to EaseMoni

BVN may only be required if you request higher loan amounts later.

• Loan Amount: ₦3,000 – ₦2,000,000
• Repayment Period: 91 – 365 days
• Interest: 5% – 10% monthly
• Age Range: 18 – 60 years

EaseMoni is licensed by the CBN and developed by the same company behind Okash. Many users praise its fast approval and simple process.

5. PalmCredit

PalmCredit often gives first-time borrowers small loans without BVN. This loan is mostly accessible to existing Palmpay users. They use your Palmpay account data to check your eligibility and risk score.

• Starter amounts: ₦2,000–₦10,000
• Larger amounts may require BVN later
• Requirements: phone number + basic info

This is a good option for Palmpay users that need urgent cash.

6. Carbon

According to eBills, Carbon (formerly Paylater) sometimes offers initial small loan amounts without BVN. They use other credit signals from your device and transaction history to check your eligibility.

• Starter: ₦2,500–₦10,000
• Full limits up to ₦1m when you provide BVN

7. QuickCheck

QuickCheck can give first-time users small loans without BVN by analyzing phone and financial behaviour using their smart AI scoring system:

• Loan size: ₦5,000–₦50,000
• They use their AI scoring system to assess your creditworthiness and check your eligibility

8. Eyowo

Eyowo provides small loans and doesn’t always require BVN at initial sign-up, especially for wallet-linked loans. They use the data from your wallet to assess your creditworthiness and check your eligibility.

• Loan range: up to around ₦50,000
• Works like a wallet and loan app combined.
• Uses data from your wallet as a means of data verification

9. JumiaPay / ZandoPay

If you use JumiaPay, you may able to get small loan amount without entering your BVN directly. The app uses linked wallet and purchase data to verify your creditworthiness and check your eligibility.

• Small loan limits
• Works best if you already use JumiaPay regularly

10. XcrossCash

Lesser-known apps like XcrossCash advertise quick BVN-free loans for first-timer microloans. They promise loan amount ranging from ₦5,000–₦60,000. But the trustworthiness of this app is not established as they’re not as popular as others on the list.

• Fast approvals
• Very small starting limits

11. 9Credit

9Credit is another lesser-known loan app that advertises quick BVN-free loans. Just like XcrossCash, their trustworthiness is not well established as they’re fewer reviews about them.

Loan Apps That Use NIN Instead of BVN

There’s also a category of apps that use your NIN (National Identification Number) as a means of verification instead of BVN. With this option, you don’t need BVN, but you still use your NIN for the necessary verification.

1. Sparkle Loan:

Sparkle is a digital bank that doesn’t require BVN at sign-up. It uses NIN and other personal info for identity verification.

• Loan range: ₦100,000–₦5,000,000
• No collateral needed

This is a good choice if you already have a NIN and want larger loan amount without sharing your BVN.

Check full list of loan apps that use NIN instead of BVN here…

Warnings to Watch Out For

Well, you shouldn’t be too happy because a loan app allows you to take a loan without your BVN. Loan apps that give loans without BVN verification could actually be a red flag.

Loans without BVN or heavy identity verification checks may look good and simple, but come with high risks like:

• Higher Interest rates: Apps that bypass BVN verification sometimes charge higher interest or fees to cover their risk.
• Excessive Data Access: Some apps without BVN verification rely heavily on other data like your phone data, which means they may ask for lots of access to your contacts, SMS, device data, etc., which is risky on its own
• Regulation and Privacy: Not all apps without BVN are properly regulated. Avoid those that ask for sensitive personal data that are unrelated to loans.
• Small Limits First: expect only small loan amounts from loan apps without BVN (often under ₦50,000). You can’t access bigger loans until you verify more of your identity.

Conclusion

The loan apps listed in this article—Migo, Okash, Easemoni, etc.—don’t require BVN for some point or circumstance.

This app uses other means to carry out identity verification to prevent fraud.

So if any loan app never asks for verification at all, especially for larger loan amounts, it may indicate that the app is not regulated and hence, risky to use.