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Top Loan Apps in Nigeria Without Face Verification

Loan apps without face verification are digital lending platforms that allow you to borrow money without the stress of taking a selfie or passing through a face scan. Instead of relying on camera verification, these apps use other identity checks such as Bank Verification Number (BVN), National Identification Number (NIN), phone number, or even your transaction history.

For people who prefer privacy, have poor camera quality, or simply want a faster process, these apps provide an easier way to access quick loans.

How Loan Apps Without Face Verification Work

Instead of asking for a facial scan, these apps confirm your identity through details already linked to your financial records. By using your BVN, NIN, or phone number, the app verifies your identity and credit history. Some even assess your repayment capability by checking your banking transactions.

With this method, loan approval is fast, straightforward, and accessible even with older smartphones.

Benefits of Loan Apps Without Face Verification

Quick approval – skipping the face scan saves time.
Works on all smartphones – no need for a high-end phone or a good camera.
Better privacy – no biometric data collected.
Convenient access – you only need your BVN, NIN, and phone number.

Best Loan Apps Without Face Verification in Nigeria

1. Migo Loan App

Migo allows users to borrow money by dialing *561# without requiring selfies or face scans. Verification is done through your phone number and BVN.

Loan amount: ₦500 – ₦500,000
Interest rate: 5% – 25%
Repayment: Days to months
Access method: USSD or app

2. Okash Loan App

Operated by Blue Ridge Microfinance Bank, Okash works with OPay to confirm your identity through BVN and linked phone numbers, skipping facial scans entirely.

Loan amount: ₦3,000 – ₦500,000
Interest rate: 0.1% – 1% daily (around 36% yearly)
Repayment: 91 – 365 days
Available on Google Play Store

3. EaseMoni

Integrated into the OPay app, EaseMoni uses your BVN or NIN for verification. With no need for a selfie, funds are disbursed instantly after approval.

Loan amount: ₦3,000 – ₦1,000,000
Interest rate: 5% – 20% monthly
Repayment: 14 days – 6 months

4. Newcredit Loan App

Newcredit, managed by Newedge Finance Limited, offers short-term loans without face verification. Identity is confirmed using BVN and phone number.

Loan amount: ₦10,000 – ₦300,000
Interest rate: 24% – 36% yearly
Repayment: 91 – 365 days

5. P2Vest Loan App

P2Vest connects borrowers to peer-to-peer lenders. BVN verification is required, but no selfie is needed.

Loan amount: ₦10,000 – ₦1,000,000+
Interest rate: 5% – 30%
Repayment: Up to 180 days

6. KiaKia Loan App

KiaKia provides higher loan amounts with flexible repayment terms. Identity verification is done with BVN and ID details.

Loan amount: ₦50,000 – ₦2,500,000
Repayment: 6 – 18 months

7. SilkLoan

SilkLoan is suitable for smaller, urgent loans without biometric scans.

Loan amount: ₦2,000 – ₦200,000
Interest rate: 12% – 36%
Repayment: 90 – 360 days

8. Sparkle Loan App

Offered by Sparkle Digital Microfinance Bank, Sparkle gives higher loan amounts to active account holders without face scans.

Loan amount: ₦100,000 – ₦5,000,000
Repayment: Monthly plans up to 12 months

Reasons People Prefer Loan Apps Without Face Verification

Bad camera quality makes selfies stressful.
Privacy concerns about biometric data.
Faster loan approval without scanning delays.
Easier access for people using basic phones.

Risks and Drawbacks

Some apps charge higher interest rates.
Risk of fake or unregulated apps.
Limited loan amounts compared to apps with biometric checks.
Possible misuse of personal information if the app isn’t trusted.

Safety Tips Before Borrowing

Use only apps approved by CBN or FCCPC.
Never share your BVN or banking details outside the official app.
Avoid apps asking for upfront payments.
Read the loan terms carefully before accepting.

Who Can Use These Apps?

These apps are ideal for students, small business owners, and individuals who need fast cash without hassles. They also benefit people using older smartphones or those who value privacy.