Loan apps without face verification in Nigeria 2026

As of 2026, there are several loan apps without face verification in Nigeria. These apps specifically provide quick, digital loans without requiring face verification.

I believe you’ve probably seen this before… You just downloaded a loan app, fill your details, enter BVN… then suddenly it says: “Please take a selfie for facial verification.” And you’re like… why?

And sometimes, you try and try and it keeps failing – telling you to blink your eyes, turn left, turn right, turn up and down and so on.

Its always annoying sometimes, but in this guide, I’ll explain clearly:

What face verification means
Why loan apps use it
Whether you can get loan apps without face verification
Which types of apps usually don’t require it
The risks involved
And what I honestly recommend

Let’s go step by step.

What Is Face Verification in Loan Apps?

Face verification is when a loan app asks you to:

Take a selfie
Record a short live video
Turn your head left and right
Blink or smile for the camera

Most times, it’s not just about snapping a picture. Most times it’s a live facial scan of you through a short video verification.

Why do Loan Apps Ask for Facial Verification?

Loan apps in Nigeria ask for face verification for several reasons including:

Identity Verification: they want to be sure that the person applying for the loan is who they claim to be, in order to reduce identity theft and fraud.
KYC (Know Your Customer) Compliance: Face verification helps loan apps to comply with the CBN regulatory requirements, so as to prevent money laundering.
Credit Risk Assessment: Some loan apps may use facial recognition to verify creditworthiness or detect potential defaulters.
Security: loan apps use facial verification as an extra layer of security to prevent unauthorized access to loan accounts.
Alternative Identity verification: Some loan apps may use facial verification as complimentary verification, especially for loan apps that don’t usually ask for BVN, phone verification, or document verification.

In summary, loans app uses facial verification to confirm:

You are the real owner of the BVN
You’re not using someone else’s identity
You’re not a fraudster

So technically, it’s a security measure.

But many Nigerians don’t like it. And I understand why.

Why Many People Don’t Like Face Verification

Some people don’t like face verification not because they’re fraudsters, but because:

They’re are concerned about their privacy
They’re afraid of their data being misused
They had past bad experience of harassment from loan apps
They don’t want their face stored somewhere
Their phone camera is bad or damaged
They just don’t feel comfortable

And in Nigeria, we’ve seen some shady loan apps misuse personal data like publishing defaulters’ photo on social media, newspapers, etc. Some even go as far as labelling that the defaulter is dead and publish it in public spaces, which is very harassing and embarrassing.

Are There Loan Apps Without Face Verification?

Yes… there are many reputable loan apps in Nigeria without face verification requirements, but most of them have conditions attached.

Here’s the truth: Most serious, regulated loan apps in Nigeria that do not require face verification will definitely use other form of identity verification, which may include:

BVN verification
NIN verification
Passport photo
Bank statement review
Utility Bill

These apps will always do quick:

BVN confirmation
Phone number check
Bank transaction history
OTP verification

And that’s what most people are looking for nowadays.

Types of Loan Apps That Usually Don’t Require Face Verification

Here, we categorize loan apps without face verification into three different categories:

1. Older or AI-Based Loan Apps

Some loan apps rely mainly on:

BVN
SMS access
Bank transaction data
Phone usage patterns

They don’t always ask for facial verification or short video.

Examples of loan apps in this category that have historically approved loans without compulsory face verification include:

Migo
Okash
Easemoni
QuickCheck

Now listen carefully, their policies may change at anytime. Some users may still be asked to take selfies of themselves depending on the risk situation of their profile. But these apps are not known for aggressive face verification like some other loan apps.

2. Bank-Based Digital Lenders

Apps tied to registered and regulated financial institutions like microfinance or commercial banks often rely on:

BVN database
Bank account verification
Salary pattern review

Instead of aggressive face recording. Examples of loan apps in this category include:

Renmoney
Aella Credit
Kuda
Palmcredit
OKash
Easemoni

They have more professional and structured approach to verifying your identity instead of asking for face verification.

3. USSD Loan Platforms

Some lenders in Nigeria offer their loans via USSD code. Most of such loans don’t usually require face verification.

Example of USSD loan platforms are:

Migo – *561#
KashNow – *5077#

Top loan apps in Nigeria that don’t require face verification

Below are the top 3 loan apps in Nigeria that do not require face verification but use other means to verify your identity:

1. Migo Loan App

Migo is one of the easiest ways to get a loan without face verification by dialing *561# on your phone. This loan app offers loans from ₦500 to ₦500,000 with interest rates ranging from 5% to 25%.

2. Okash Loan App

Okash offers loans without facial scans via OPay. This loan app offers loans from ₦3,000 to ₦500,000 with interest rates between 0.1% and 1% daily.

3. EaseMoni

EaseMoni, in partnership with Opay, offers instant loans with no selfie requirements. This loan app gives loans ranging from ₦3,000 to ₦1,000,000 with interest rates between 5% and 20% monthly.

Click here to read more on how to borrow money from these apps with no selfie or facial scan.

Other Loan Apps without Face Verification in Nigeria

Newcredit Loan App: This loan app provides loans from ₦10,000 to ₦300,000 with interest rates between 24% and 36% yearly.
P2Vest Loan App: This loan app gives loans ranging from ₦10,000 to ₦1,000,000+ with interest rates between 5% and 30%.
KiaKia Loan App: This loan app offer loans ranging from ₦50,000 to ₦2,500,000 with flexible repayment terms.
SilkLoan: This loan app offers loans ranging from ₦2,000 to ₦200,000 with interest rates between 12% and 36%.
Sparkle Loan App: This loan app provides loans between ₦100,000 to ₦5,000,000 with monthly repayment plans.
QuickCheck: This loan app gives loans up to ₦1,000,000 with interest rates starting from 5% monthly.
Aella Credit: This loan app gives loans between ₦5,000 to ₦500,000 with interest rates between 2.5% and 4% monthly.
Palmcredit: This loan app offers loans ranging from ₦5,000 to ₦100,000 with interest rates between 4% and 8% monthly.
Renmoney: This loan app gives loans ranging from ₦50,000 to ₦4,000,000 with interest rates between 2% and 3.5% monthly.
GroFin: This loan app gives business loans ranging from ₦100,000 to ₦5,000,000 with interest rates between 1.5% and 3% monthly.

How to Safely Choose a Loan App Without Face Verification

If you really want to avoid facial verification, here’s what I suggest you do:

1. Stick to Known Brands

Use apps people already know:

Branch
Carbon
FairMoney
Renmoney

Even if they later request verification, they won’t misuse your data like random loan apps.

2. App Reviews

Before installing any app that promises to give you loans without face verification, ensure to:

Read their app reviews on Google playstore
Look for harassment complaints
See if people mention face scan
Check Google to see their reviews

Reviews from real users don’t lie.

3. Avoid Apps That Promise “No BVN, No Verification”

It’s normal for a loan app not to ask for face verification, because they can easily use your BVN to verify your identity.

But you see those ones that promise “No BVN, No Face Verification”, they’re usually a red flag.

Any serious lender in Nigeria must verify identity somehow. If an app says: “No BVN, no documents, instant ₦500,000” Run.

Do Loan Apps Without Face Verification Approve Faster?

Not necessarily. Approval depends on:

Your bank transactions history
Your credit score
Your repayment history
Your BVN profile

Face verification is just identity confirmation, not credit scoring, so it doesn’t affect your loan processing speed.

Is Face Verification Actually Dangerous?

If the loan app is:

Well known
Registered
Has strong presence
Has millions of downloads

Then face verification is mostly for fraud prevention and security purposes only.

The real danger comes from:

Unknown apps
Apps not on Play Store
APK downloads
SMS loan links
Lenders that are not registered

That’s where problems start.

My Honest Advice (From Experience)

If I’m borrowing money, I don’t really think facial verification will be my concern, I will rather care more about:

The interest rate
The repayment terms
No harassment
No hidden charges

Face verification is uncomfortable, yes, but using a shady loan app just to avoid camera scan is worse.

Personally, I’d rather use trusted loan apps even if they request verification because safety matters more.

Conclusion

If you’re searching for loan apps without face verification in Nigeria, here’s the truth:

Some apps may not require live facial scan
Most reputable loan apps will verify your identity using other means or data instead of asking for face verification
Avoid suspicious loan apps that promise “no verification”
Always read loan terms and conditions before proceeding

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