Here are Top 5 Loan Apps Without BVN in Nigeria For 2025. If you happen to be in Nigeria and you need a quick loan but you don’t want to share your Bank Verification Number (BVN), then just know that you are not alone.
There are lots of us who don’t want to share our personal information, especially when we’re trying to get a loan. The good news is that some loan apps now give loans without requesting for your BVN.
Check Also: How to Find Low-Interest Online Loans in Nigeria
These apps make use of other methods to know if you are worthy of the said loan. They might decide to check your phone data or transaction history to know if you are qualified for the loan. Here are some of the loan apps that don’t need your BVN before giving you a loan.
- Aella Credit
Aella Credit is one of the top loan apps in Nigeria that doesn’t ask for your BVN before giving you a loan. They’re very fast and also simple to make use of.
On Aella, you can borrow from N2,000 to as minimum as one million naira, although the amount you will be allowed to take is going to depend on how good your credit profile is. Their approval is both quick and sleek, meaning you can get your money credited into your account in a matter of minutes.
They also give you very flexible options for you to pay back. That way, you won’t encounter many issues, irrespective of if you are borrowing long term or short.
- FairMoney
Another popular loan app that you don’t need BVN before applying is the FairMoney loan app. They make use of collated data from your phone to decide if you are worthy enough to get the loan or not.
On FairMoney, you can borrow from N1,000 to a massive N150,000. Their repayment period is between two to twelve weeks. They have a very user-friendly app that allows you to receive money directly into your bank accounts immediately your loan gets approved.
Apply Also: Top 6 Best Loan Apps in Nigeria For 2025
- Carbon (formerly Paylater)
Carbon loan app is probably one of the oldest fintech loan apps in Nigeria. If you are looking for a small or medium loan amount, Carbon can easily offer you a loan without requesting for your BVN.
You can easily borrow from N5,000 to around N1,000,000 on Carbon. Their process is quite fast and digital too. Loans aside, you can also pay bills, buy airtime, and even save money on Carbon.
- Okash (via Opay)
You can get access to Okash through the Opay fintech app. Okash can easily give out loans to their customers without requesting for their BVN.
With Okash, you can take loans of up to N500,000, although it is greatly going to depend on your profile. To ascertain how many loans you can receive, Okash will ideally make use of all your transaction history as well as your phone data to know if you are eligible for the loan and how much loan you deserve.
Getting loans on Okash is simple, and you could be done with the whole process in just 10 minutes.
- JumiaPay
You would be mistaken to think JumiaPay is just for online shopping. They are actually giving out loans too to their customers. They have a very simple loan process that does not require you to provide your BVN, and you can easily borrow up to N50,000 too from their platform, with the money sent to your account almost instantly. If you need fast cash for emergencies, they’re certainly a good option for you.
Final Thoughts
With these loan apps, it has become much easier for you to get money when you need it without going through the stress of providing your BVN. However, we’ll strongly advise you to always read the terms and conditions of the loans before you accept any, and most importantly of all, try to always borrow what you can easily repay to avoid running into problems with these apps.