Best Apps To Get Loans Without BVN in Nigeria

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What are the best apps to get loans without BVN in Nigeria? It is no news that one of the requirements to get a loan is to provide your bank verification number (BVN). So, are you now worried that you do not have one but then you are in dire need of a loan?

Best Apps To Get Loans Without BVN in Nigeria

Well, the good news is that you can actually obtain a loan without the need for a BVN. Yes! While there are loan apps that require your BVN before approving your loan application. There are also apps that don’t require it to grant your loan application. What are these apps? Stick with me until the end of this article to find out.

Inargruably, there are several situations that might call for opting for a loan. To help you tend to your emergencies, loan apps have been made available allowing you to conveniently borrow right from your comfort zone even without a BVN.

Here in this article, we have curated a list of the best loan apps that don’t require your BVN before disbursing your needed amount into your account. Read on for enlightenment.

10 Best Apps To Get Loans Without BVN

Rather than using your BVN, a lot of reputable loan apps in Nigeria make use of alternative forms of verification, phone numbers, email, or even utility bills, to verify the identity of the borrowers.

This will make it very easy for those who need fast online loans to apply for one without having to provide their BVN. The lists below are some of the best loan apps that do not require BVN in Nigeria.


MoneyPal is one of the best lending loan apps in Nigeria. This platform offers immediate loans to customers without any collateral or even BVN.

It also gives loans of about $1,000 to $5,000 without any charges. As a borrower, with MoneyPal, you can enjoy a loan duration of about a year with a percentage rate of up to about 34.8% to 36.5% yearly.

Aella Credit

Aella Credit is another app you can use to borrow loans without using your BVN. This platform offers personal loans very quickly and does not require documentation or collateral.

Best Apps To Get Loans Without BVN – FairMoney

This is a popular loan app in Nigeria that offers loans without any documentation. Additionally, the platform also offers personal loans without a BVN.

To get started with this app, all you just need to do is download the app. Besides, it is available via your Google Play or App Store for free download.

Okash Loan App

Okash Loan is owned by Opay Digital Services Limited, a digital microfinance bank in Nigeria that provides free transfers and cashback on transaction activities. This app is one of the trusted apps that offers loans within minutes in Nigeria.

Quickteller App

Another reputable loan app you can use to get your loans without the need for your BVN is the Quickteller app. This app provides loans to small and medium enterprises (SMEs) and businesses. So before you can borrow this app, you must have a registered business.

FairMoney Loan App

FairMoney is another instant loan app. The loan platform gives you instant cash for any of your financial needs without the need for your BVN or any document.

Fundamentally, you can borrow between N1,000 and N150,000 with a repayment period of about 2 to 12 weeks.

Best Apps To Get Loans Without BVN – JumiaOne Loan App

JumiaOne is also one of the best and most-known loan apps you can borrow from without the need for your BVN in Nigeria. However, if you want to access loans on this app, you will have to scroll down to the ‘Financial Services’ category and tap on ‘Loans’.


Carbon is one of the best-trending and leading loan platforms in Nigeria. It has a loan limit of about $1 million and does not need any collateral for the loan application. All you need to do is download the app. The app is available for free download via your Google Play or App Store.

ALAT by Wema Loans without BVN

ALAT is another good loan app for you if you are overwhelmed by your consistent commercial banks and you feel like you want to be in charge of your money directly without the use of your BVN.

This app is one of the loan apps that offers the highest loan amounts. This is an all-out of about N2,000,000 without any collateral, physical office visits, or even documentation.

CarrotPay Loan App without BVN

CarrotPay is also one of the best apps in the fintech industry in Nigeria without BVN. You can get a loan on this app without rendering your BVN; this is as easy as you think about it.

As soon as you are approved for the automated checks and your credit score is favorable. You can easily get a loan within a few minutes of applying.

In conclusion, there are a lot of loan apps online where you can get a loan without the need for your BVN. However, while opting for a loan app that doesn’t require your BVN. It is important to ensure that the platform or app is legit, secure, and reliable before you apply for a loan and submit your profile information.