List of Loan Apps without BVN in Nigeria

When talking about loan platforms available in the country, one should be careful. In as much as they are legitimate platforms out there. There are also counterfeit loan platforms too. Some of these loan apps make use of your personal information like your BVN to cause havoc. Your bank verification is important and if accessed by the wrong hands can lead to disastrous consequences. It is good to note, however, that there are some loan apps that do not need your BVN in order to grant you a loan. Yes, today’s article discusses the list of loan apps without BVN in Nigeria. But before we proceed, it would not be out of place to know the meaning of BVN.

What is BVN?

Bank Verification Number is a very important number. It is a number that forms a pivotal part of a user’s identity in a bank or financial institution. It is an 11 digits that uniquely differ from each person. The CBN implement this identification system to reduce the effect of fraud in the economy. Even if you open 10 different accounts with different banks you still have to input the same BVN in all the accounts.

In order to mitigate illegal and fraudulent activity in your bank, it is advised you keep your Bank Verification Number private and free from third-party possession. The purpose of keeping it safe is that some bank app may want to use it to obtain more money from your bank than required. However, to prevent all these, let’s see a list of loan apps without BVN in Nigeria.

List of Loan Apps without BVN in Nigeria

OKash Loan App

The first platform on our list of loan apps without bvn is OKash Loan App. OKash, although is affiliated with Opay. It is quite famous because of the credit opportunities it gives to customers. This application is controlled by Opay Limited. Once you download the Opay app, you can easily access the OKash platform. Although OKash is regulated by a different owner it is affiliated to Opay as stated earlier. OKash is controlled by Blue Ridge Microfinance Bank Limited.

OKash offers customers the opportunity to borrow up to half a million naira without a bank verification number. So you can relax knowing that the app doesn’t require much information regarding your personal information.

Carbon App

Formerly known as Paylater. This app is very unique because it doesn’t require customers to provide information regarding their bvn. They value customers’ privacy which is why they do not ask for your private information such as the bvn. Carbon is one of the best platforms because they offer immediate and instant loans to its customers without hassle.

Carbon app also enables customers to save money on the platform with high-yield funds received. So whenever you request for a loan, be sure that you’ll able to receive your money with the snap your finger. This app is one of the app where your bvn is intact.

Jumia Loan App

This is another Fintech app on our list of loan apps without BVN in Nigeria. This platform is not as popular as the aforementioned platforms above. Even though not as popular, it is quite effective because it doesn’t require one to input his or her bvn digit on the platform. You can install the app by downloading it from the play store.

To install the app, tab Playstore on your launcher. Tap the search bar and search Jumia Pay Loan. Open the app, then look for Financial Service. After you access the Financial Service option, on the next list, navigate to find ‘Loans’. Follow the onscreen information you would be provided with, then input the amount of loan you want. You would be asked to wait for some minutes. Voila! You would get a loan within minutes without asking for your Bank Verification Number.

ALSO READ: How To Get Loan Without BVN In Nigeria

Aella Credit

When talking about loan apps without BVN in Nigeria, there’s no doubt that Aella Credit is one of them. Aella Credit is a reliable platform where credit facilities such as loans, overdrafts can be accessed. Basically, the app offers the opportunity for users to borrow as low as 2,000 naira and as high as 1,000,000. When you install the app, most times your loan would be granted within 10 minutes.

Fair Money

Fair Money offers you an opportunity of borrowing a loan of up to 150,000 naira without requiring your bank verification number. It offers instant cash for your business or financial services. Unlike other platforms that may require collateral or a guarantor, this app doesn’t require any of that. However, the amount of loan you are eligible to borrow depends on your creditworthiness.

It also has an extended payback period. After collecting the loan, one has the luxury of paying back between 2 to 12 weeks after collection.


Does carbon require BVN?

Yes of course. Carbon requires Bank Verification Number. Infact, to open a carbon account, you just be 18 years and above. Also, you must have a working mail and valid number.

Can I block my BVN and open new one?

No. You can only have one bank verification number.

Can I borrow money from Opay?

Yes you can borrow. The application allows customers and clients in Nigeria to borrow instant loan from lenders on the platform.

Can I borrow money from Kuda without BVN?

No. This is so because if you are in need of funds Kuda would ask you to upgrade your account. To upgrade it, you would need your BVN and NIN.

Can BVN be deleted?

Once a customer biometric has been captured, it is automatically linked to the Nigerian Interbank Settlement System


Having discussed the different list of loan apps without BVN, you can see it is possible to obtain a loan from the Fintech platform without hassle. Whenever you want to obtain a loan, download any of the apps via Playstore. After installing, do well to fill in your details and progress to the next stage. Depending on the loan you want to acquire, different Fintech apps have a threshold and a minimum interest rate. Also, it is important to note that many fake apps do not appear on Playstore. Therefore, this fake app does not follow Google’s Privacy Policy and is banned from the platform.

We hope to hear your feedback on this different loan app mentioned above.

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