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Loan App Without BVN in Nigeria

Loan App Without BVN in Nigeria

Want to know about the few loan app without BVN in Nigeria? We are going to reveal five of them in this article. If you need a loan in Nigeria but do not want the creditors to know or have your BVN, then you will find this post really useful. Read on!

Sometimes life throws you a curveball. Fixing problems caused by events or circumstances that weren’t anticipated, and so weren’t planned for, would cost money. When most people need a loan, they ask their friends and family for help. If they don’t get it, they go to their bank to get a loan and solve the problem.

Although getting a loan from the bank might seem like a wonderful idea at first, it does come with some limitations. For example, it would be hard to get a loan from your bank if you didn’t have a salary account there. What options do you have if you are unable to get a loan from the bank and no one is willing to lend you money? Fortunately, there are financial institutions that will lend you money regardless of whether or not you have a salary account.

However, the majority of the home loans that are now available demand your BVN before they will offer you a loan. This creates a dilemma for individuals who do not want their BVN to get into the wrong hands. Therefore, if you are seeking the best loan app without BVN in Nigeria, check out the options that are listed below.

List of Loan App Without BVN in Nigeria

The following is a list of some of the most reputable online loan apps without BVN in Nigeria

1. JumiaOne: Loan App Without BVN in Nigeria

JumiaOne is a legitimate mobile loan app that lets you borrow money without giving your bank verification number (BVN). Simply scroll down to the “Financial Services” area on this app, and then select the “Loans” option when you get there. This will give you access to the loan section. After you give all the information needed, the loan money will be sent to your account within minutes.

2. OKash Loan App

Another platform that is completely legitimate and widely used to get loans in Nigeria without BVN is Okash. In a nutshell, you can access this platform by using the Opay mobile app, which is managed by Opay Digital Services Limited/Paycom. However, Blue Ridge Microfinance Bank Ltd. is the sole owner of OKash and is responsible for its operation.

3. Carbon Loan App

Another reliable loan app is Carbon, formerly known as Paylater. It is more than simply an instant loan provider; it is owned by the company One Finance & Investment Limited and provides a variety of financial services. In addition to the fact that you can easily get loans ranging from N5,000 to N1,000,000 with a tenor that can range anywhere from 7 to 180 days, the platform does not make you wait for the payment of your loan. Your application will be processed and your account will be credited no later than 3 minutes after you have submitted it to the platform.

4. FairMoney: Loan App Without BVN in Nigeria

FairMoney loan platform makes it possible for you to receive an instant loan without BVN in Nigeria; it does not also require you to provide any documentation, collateral, or a guarantor. You can actually borrow anywhere from N1,000 to N1,000,000 with the use of this app, and the repayment period ranges anywhere from 2 weeks to 12 weeks. Your creditworthiness will determine the maximum loan amount that you are eligible for.

If you apply for a loan through the app, Fairmoney will disburse the funds within five minutes or less, making it one of the loan apps in Nigeria with the quickest processing times. With an annual percentage rate (APR) that runs from 30% to 260% and a monthly interest rate that ranges from 2.5% to 30%, Fairmoney is one of the best loan apps in Nigeria for borrowers looking for cheap interest rates.

However, owing to legislation, if you attempt to default on your loan, you will most likely lose access to your Fairmoney account, and a credit report will be issued to both FirstCentral and CRC.

Lastly, because Fairmoney is a Europe-based app, it has a higher reliability rating than many other instant loan apps because it follows European data security regulations. Fairmoney is also one of the Nigerian loan apps with the highest ratings on the Google Play Store.

Keep in mind that Fairmoney uses the analysis data collected from your mobile device to determine your eligibility for a mobile loan. The collected information is required to authorize your loan in real time without requiring additional documentation.

5. Aella Credit: Loan App Without BVN in Nigeria

Another legitimate online platform through which you can obtain a loan without BVN in Nigeria is Aella Credit. This user-centered digital lending platform lets people borrow as little as N2,000 and as much as N1,000,000. Also, their own processing time does not take too long. You can expect your loan credit within 10 minutes after applying.


There are many loan apps where you can get a loan without BVN in Nigeria. All that is required of you at this point is to check if the app in question is legitimate. To safeguard your security, you can select from the options on the list above. Remember that your BVN is a private number that should never be shared with anyone and that you should be careful about whatever platforms you do share it on.

But, do you know that you wouldn’t have the need to get a loan if you actually know how to make money online in Nigeria? If you have a Facebook account, we have also explained how to make money on Facebook, and even WhatsApp.

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