Best Loan App without BVN in Nigeria (Updated 2022)

Hi Friends, today am going to talk about the best loan apps that don’t require BVN verification numbers or any form of collateral at all. I know this may sound like a joke to you or am just trying to get traffic to my site but that is not the case here. Many loaning companies in Nigeria give access to loans without providing your BVN details.

I understand that we have various reasons why we do not want to provide our BVN details. These reasons are best known to you. But, as an example, I misplaced the mobile number associated with my BVN, making it difficult for me to request a loan that requires me to provide my BVN details. So, if we’re in the same boat or there are other reasons why you don’t want to reveal your BVN, don’t worry because I’ve made lists of the best loan app without BVN in Nigeria.

 Best Loan App without BVN in Nigeria Top 5

JumiaOne Loan App

Loan App without BVN in Nigeria

JumiaOne is one of the best loan apps that allows you to borrow money without having to put your BVN. Interestingly, to get a loan on this platform is very fast and simple all you have to do is to visit the JumiaPay android app and follow the details like this;

  • Scroll down to the Financial service option and click on loans
  • Fill in the necessary information requested from Jumiapay
  • Wait for a few minutes to get your application approved.
  • After you provide your information and your application is approved, the loan will be deposited directly into your bank account.

Aella Credit Loan App

Aella Credit Loan App

This is another great app that provides financial assistance to Nigerian citizens. Just like the above app, you don’t need a bvn before the loan can be granted to you, all that is required of you is to provide your name with your employer’s ID number.

If you meet the requirements, you can get a loan at any time of day. Take note that loans applied for may be sent sooner than you think. Visit to learn more.

Okash Loan App

Loan App

This particular loan app company is owned and managed by Blue Ridge Microfinance Bank Limited. On this platform, loans can be accessed through the Opay mobile services. You can get loans as low as N1,500 and as high as N50,000, you don’t bvn to get these loans on Okash.

Finally, as you become a regular customer, your interest rate decreases. The monthly interest rate is usually between 10% and 24%, and the repayment period is between 7 and 90 days.

Quick Check Loan app

Quick Check Loan app

Here is another amazing loan app for Nigerians; Quick Check loan app makes borrowing cash to be fun and easy. You don’t need the stress of providing any documentation at all; all you need is to fill in the necessary information on the Quick check cash website.

You can get up to an N30,000 loan with no hidden charges. Visit to learn more.

Carbon (Pay later) Loan app


This is a well-known loan app in Nigeria, particularly among those of us who are involved in this loaning stuff of a thing. Carbon was formally called Paylater and is owned by One Finance & Investment Limited company. This company gives out loans from 5,000 to 1,000,000 naira worth of loan with a repayment option of 7 to 180 days; you can also get a loan as low as 1,500 naira.

Loans on this platform are processed quickly; within 3 to 5 minutes of submitting your application on Carbon, your loan will be approved and your cash will be deposited into your bank account. More importantly, no hidden charges or late fees are attracted.

A 5% monthly interest rate will be applied on your first loan.


Now I have come to the end of the best Loan App without BVN in Nigeria. Using the few apps I’ve listed, you should be able to obtain a loan without a BVN. All you have to do is to verify the legibility of the app before making your choice.

The BVN is a private digit, so you should be careful how you disclose it.

Disclaimer: Please make sure to read the term and conditions before applying for any of these loans I have mentioned above.

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