5 Best Instant Loan Apps Without BVN In Nigeria


Sometimes one may need a loan urgently without passing through rigorous processes. That’s why this post is specially written to save people who need a loan sharp sharp without too much questions and verifications.

In today’s fast-paced world, the need for quick access to funds has become more important than ever. Whether it’s for emergencies, unexpected bills, or personal expenses, having access to instant loans can provide a much-needed financial cushion.

However, in Nigeria, most traditional lenders require a Bank Verification Number (BVN) to approve loan applications. Fortunately, there are a few innovative loan apps that offer instant loans without the need for a BVN.

Related: IPPIS Loan Codes: How To Apply For IPPIS Loan

Which loan apps can I use without BVN in Nigeria? Does FairMoney require BVN? and Does carbon require BVN? These are questions we’ve received through email from concerned Nigerians who want a loan without BVN verification. We responded with this post to provide you with a list of the best instant loan apps without BVN in Nigeria. If you are to borrow money online from any of the following apps, be assured their loan is instant, and you can get approved instantly without credit check, and paperwork.


1. Carbon (formerly Paylater)

Carbon is a leading digital financial platform in Nigeria, providing instant loans without requiring a BVN. With its user-friendly mobile app, you can apply for a loan within minutes. Carbon offers loans up to N500,000 with flexible repayment options, and the loan disbursement process is incredibly quick. Additionally, Carbon provides a credit wallet that allows you to make payments and recharge your mobile phone.

2. FairMoney

FairMoney is another popular loan app in Nigeria that provides instant loans without the need for a BVN. You can apply for loans ranging from N1,500 to N500,000 through their mobile app. FairMoney uses artificial intelligence and machine learning algorithms to analyze your creditworthiness, making loan decisions within minutes. The repayment terms are flexible, and with each timely repayment, you can access higher loan amounts and lower interest rates.

3. Palmcredit

Palmcredit is a reliable loan app that offers instant loans without requiring a BVN. With a simple and intuitive interface, you can apply for loans ranging from N2,000 to N100,000. Palmcredit assesses your creditworthiness based on your transaction history and behavior on your mobile device. The loan approval process is fast, and once approved, funds are disbursed directly to your bank account. Regular repayment improves your credit limit and increases your chances of accessing larger loans.

4. Branch

Branch is a well-established loan app that offers instant loans without a BVN. With over 10 million downloads, Branch has gained popularity for its seamless loan application process and quick loan disbursement. You can borrow up to N200,000 with flexible repayment options. Branch also provides an in-app wallet for bill payments, airtime top-up, and money transfers.

5. QuickCheck

QuickCheck is a trusted loan app that provides instant loans without requiring a BVN. With QuickCheck, you can apply for loans ranging from N1,500 to N500,000. The loan approval process is swift, and funds are disbursed to your bank account within minutes. QuickCheck analyzes your banking transactions and alternative data to determine your creditworthiness, ensuring that individuals without a BVN can also access loans.

Related: USSD Codes For Loans In Nigeria: Accessing Quick Financing At Your Fingertips


Having access to instant loans without a BVN can be a lifesaver during financial emergencies. The loan apps mentioned in this post, provide hassle-free access to quick cash without the need for a BVN. However, it’s important to remember that taking loans comes with responsibilities. Before borrowing, make sure to carefully read and understand the terms and conditions of the loan apps, including interest rates, repayment periods, and any associated fees.

Now that we have answered your question on “which app can I borrow money without asking of BVN?” kindly share this post with others so they can get instant loan today without verifications.