Loan Apps in Nigeria That Don’t Require BVN: Full List & Guide

Many Nigerians wonder if they can secure loans without submitting their BVN. In 2026, several digital lenders now offer small starter loans using alternative verification methods such as your phone number, NIN, device data, or e-wallet activity. While you can access amounts from ₦2,000 up to ₦50,000 without BVN initially, most platforms impose stricter identity checks for larger loans. Popular options include Migo (via USSD *561#) and Okash (through Opay), which only require your NIN for basic advances. Before applying, consider the fees and data permissions. Some apps charge high interest rates and request deep access to your phone data, and not all are fully regulated. Always verify a lender’s credibility and read user feedback. Have you used any BVN-free loan apps? Share your experience below to help others make informed choices.

Use The App To Win ₦1m

Stories are shared by community members. This article does not represent the official view of NaijaWorld — the author is solely responsible for its content.