Top 10 Instant Loan App Without BVN in Nigeria

loan app without bvn in nigeria

Are you in Nigeria and urgently need a loan, but the thought of sharing your BVN (Bank Verification Number) feels like a bridge too far?

Well, you’re not alone. In this post, you’ll learn about the best loan app without BVN in Nigeria, where you can secure an instant loan without having to provide sensitive information like your BVN.

In Nigeria, BVN is a critical component of banking, but not everyone wants to share this sensitive information with loan apps as they aren’t sure how the information will be used.

Fortunately, there are reliable loan apps where you can secure a loan without collateral and without the need to provide your BVN.

Almost every finance app or platform in Nigeria requires users to provide their BVN to use the app, especially loan apps in Nigeria.

They collect BVN as a way to easily identify borrowers and make sure they are who they say they are.

However, if you don’t want to provide your BVN to a loan app and you want a loan app without BVN in Nigeria, I can assure you there’s a loan app in Nigeria for you where you can borrow without BVN or collateral.

Let’s dig into the loan apps that will give you a loan without BVN in Nigeria.

Best Loan Apps Without BVN in Nigeria

Here is a list of the best instant loan apps without BVN in Nigeria where you can easily borrow money from.

Aella Credit

aella credit loan

Aella Credit is another popular loan app in Nigeria where you don’t need to provide a BVN to loan money. You can get loans for as low as N2,000 Naira and as high as N1,000,000 Naira.

Aella Credit loan approval and disbursement process is really fast. You can have an Aella Credit loan in your bank account in 10 minutes after applying.


Fairmoney loan

You can borrow money using this loan app without BVN in Nigeria. Fairmoney is a top loan platform for getting personal loans in Nigeria. And the best thing? No need to provide your BVN or even collateral to get a loan from Fairmoney

With the Fairmoney loan app, you can get loans of up to N1,000 to N150,000 with a repayment period of 2 – 12 weeks depending on the loan amount. Fair money offers loans based on how creditworthy the borrower is.


Carbon Paylater reivew
Carbon Loan App

Carbon which was popularly known as Paylater is another loan app in Nigeria that doesn’t require your BVN to grant you loans.

Carbon doesn’t just offer collateral-free instant loans, the fintech company offers high-yield savings accounts as well as banking services on its app.

Carbon loan amounts range from N5000 Naira to N1,000,000 Naira with a loan tenure of 7 – 180 days.

As mentioned above, Carbon offers instant loans, so you can expect your account to be funded into your account without delay as soon as the loan has been approved at least within 3 minutes.


okash loan app

Formerly Opay’s loan platform, Okash Loan which is now operated by Blue Ridge Microfinance Bank Ltd is another loan app without BVN in Nigeria that you can lend money from. You just have to download the Opay mobile app and apply for an Okash loan.

Okash provides up to N500,000 Naira in loans in Nigeria. So you can quickly borrow money from Okash without the need to provide your BVN.

Jumia Pay

jumia pay loan

Jumia Pay app is another lending app that doesn’t require BVN in Nigeria for you to lend money from.

To get a Jumia Pay loan, you just need to download the app, then navigate to Financial Services, and then to the Loans Option. Follow the instructions, provide the information required and you’ll get an instant loan in minutes without the need for BVN.



Quickteller is a fintech company offering payment services in Nigeria as well as a loan platform that consists of displaying lending options in Nigeria.

With Quickteller you don’t have to provide a BVN to get a loan. Loans on the Quickteller platform have competitive interest rates and flexible repayment terms, Quickteller loans offer the perfect blend of convenience and reliability.



Eyowo is a reliable loan app in Nigeria that provides loans to people in Nigeria without the need to provide a BVN. You just need a phone number to get a loan from Eyowo.

What is BVN and Why is it so Important?

BVN (Bank Verification Number) is a unique 11-digit number that is produced by the biometric identification system developed by the Central Bank of Nigeria (CBN).

If you own a Nigerian bank account, then you must have a BVN. You can’t even open a new bank account in Nigeria nowadays without your BVN. You can have multiple bank accounts in Nigeria but only one BVN number that will be linked to all your accounts. 

BVN is very important today in Nigeria if the country wants to continue to limit fraudulent banking actions.

Because of the sensitive nature of BVN and the need to keep it safe, a lot of people tend to write down their BVN details.

A lot of people have also forgotten where they wrote down their BVN number and they might need to use it immediately. They need a quick way to check their BVN details without having to go to the bank.

Key Takeways

In conclusion, There are loan apps without BVN in Nigeria you can borrow from. You just need to be wary of fake loan apps in Nigeria that charge extremely high-interest rates and can sell your information to third parties.

This list of loan apps in Nigeria that don’t require BVN to access a loan is a great starting point for getting loans in Nigeria without proving BVN.

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