Are you looking for loan apps in Nigeria that allow you to borrow money with NIN? You’re in the right place.
There are some loan apps in Nigeria that allow borrowers to use their NIN to borrow money, and it means that you can borrow money without using your BVN.
In this article, we will look at the best loan apps you can borrow money with your NIN.
What Is NIN, and Why Do Loan Apps Use It?
NIN means National Identification Number. It is an 11-digit number issued by the Federal Government of Nigeria through NIMC.
Your NIN is linked to your personal information such as your name, date of birth, and phone number.
Loan apps use NIN to confirm your identity, and make sure you are the real owner of the account to prevents fraud.
It is simply another way of verifying users without requesting their BVN.
See Also: List of Loan Apps Banned in Nigeria 2025 (Blacklisted Apps)
Benefits of Using Loan Apps with NIN
If you choose to borrow money with your NIN, here are the benefits:
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You don’t need to submit your BVN, so your banking details remain private.
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The loan application and verification is fast, and you can complete it in less than two minutes.
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NIN help people who don’t have a BVN yet, like students or new account holders to access loans.
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Your financial data tie to BVN will be safe because only your NIN is required.
6 Loan Apps to Borrow Money With NIN in Nigeria
Below are some of the best loan apps in Nigeria that allow you to borrow money with your NIN as a means of identity verification:
1. Migo Loan App
- Loan Amount: ₦500 – ₦500,000
- First-time borrowers: ₦500 – ₦50,000
- Interest: 5% – 25% depending on amount and repayment speed
- No BVN needed
- Works on USSD and website
Migo, formerly known as KwikMoney or Kwikcash, is one of the digital lender platforms that can allow you to borrow money with NIN even without it. You only need to dial *561# on your phone to access a Migo loan or through its official website.
Migo loan amounts range from ₦500 to ₦500,000. As for first-time borrowers, your loan amounts may be from 500 to 50,000, but as you repay your loan in time, your loan limit can increase.
It has interest rates ranging from 5% to 25%, depending on how much you borrow and how quickly you repay.
See Also: Full list of Loan Apps Without Face Verification in Nigeria 2025
How to Borrow Money from Migo with NIN
You can borrow from Migo with your NIN using the two simple ways below:
1. Using USSD: Dial *561# on your phone, then select the option to request a loan. Choose the amount you want and enter your bank details linked to your NIN. Then confirm, and your loan will be sent instantly in less than 2 minutes.
2. Using the Migo Website:Go to the Migo loan portal. Create an account using your phone number. Select loan amount and repayment period. Then, provide your bank account details (and debit card if required). Submit your request and receive your loan within minutes.
2. OKash loan app
OKash is one of the best loan apps in Nigeria that offers quick loans without much documentation. It is powered by OPay, and that means you can register with either BVN or NIN.
Opay offers two methods of verification, NIN and BVN, so when you create an account on the Opay app, you can choose NIN as your method of identity verification.
Once your identity verification is successful and confirmed on Opay, you can access a loan from the Okash app with no sign-up. You are only logging in and applying for a loan.
Key features:
- Loan amount: Up to ₦200,000
- Repayment period: Up to 91 days
- Interest: Low and transparent
- No BVN required
See Also: Best Loan Apps Without Face Verification in Nigeria 2025
3. EaseMoni
EaseMoni loan apps can allow you to use your NIN as a means of identity verification. This loan app is also partnered with Opay, and you can use your NIN to access their loans through Opay.
This is what you need to do to borrow money from Easemoni using your NIN:Download the OPay app on the Google Play Store and create an account using your NIN. Then navigate to the “Loan” section on the Opay App; you will be directed to the Easemoni loan.
EaseMoni Highlights:
- Fast approval within minutes
- Loan Amount: Up to ₦100,000 for first-timers
- Repayment: Flexible terms
- No BVN required if you are using Opay Wallet
- Trusted by millions of Nigerians
See Also: How to Get a Loan with Bad Credit Score in Nigeria
4. Palmcredit
Palmcredit is known for offering flexible loan amounts and quick approval that you can register with NIN, though in many cases BVN may still be requested.
If you want to try Palmcredit with NIN, be sure to check the app’s latest terms and conditions and follow the instructions on the app.
Palmcredit key details:
- Loan Amount: ₦2,000 – ₦100,000
- Interest: From 14% – 24% depending on loan duration
- Flexible repayment terms
- Fast approval system
5. FairMoney loan app
FairMoney is more than just a loan app.
It also allows you to pay bills, buy airtime, and transfer money.
You can borrow money using your NIN and utility bill (like NEPA bill) for address verification.
FairMoney has gained trust for being transparent and reliable.
FairMoney loan app key details:
- Loan Amount: ₦1,500 – ₦1,000,000
- Repayment Up to 180 days
- Interest: Competitive and flexible
- NIN and NEPA bill required for verification
- Additional services like transfers and bill payments
6. Aella Credit
Aella Credit makes borrowing simple and transparent. This loan app can allows you to register with your NIN and access loan offers.
This app is great for both individuals and small business owners.
Features:
- Low documentation required
- Fast loan approval
- Loan Amount: ₦2,000 – ₦90,000
- Repayment: Flexible plans
- Ideal for employees and entrepreneurs
How to Apply for a Loan Using Just Your NIN
To get a loan with your NIN, you need to do the following:
- Download the Opay app from the Google Play Store.
- Sign up using your NIN.
- Choose NIN as your ID option.
- Enter your 11-digit NIN.
- Take a clear selfie for facial verification.
- Once verified, go to the Loan section of the app.
- Select your preferred loan app (OKash, EaseMoni).
- Apply for your loan and wait for approval.
It is very simple and straightforward, and you don’t need your BVN, only your NIN for identity verification and NEPA bill for resident address verification.
How Much Can You Borrow with NIN Loan Apps?
The loan amount depends on the loan app and whether you are a first-time or returning customer.
First-time users usually get small loans from ₦3,000 to ₦20,000.
If you repay on time, your credit score can improves and your loan limit increases.
Some apps like Migo and FairMoney can offer up to ₦100,000 to ₦500,000 or more.
Final Thoughts
If you want to borrow money with your NIN, then the loan apps listed above are the best options for you to consider. These loan apps offer quick loans and are easy, secure, and fast to use. These apps can be ideal for students, small business owners, and anyone who needs a loan app with NIN. But make sure you borrow only what you can repay. Also read the terms and conditions of each loan app carefully.
See Also: 7 Best $100 Loan Instant Apps (2025)
Frequently Asked Questions (FAQs)
1. Can I get a loan in Nigeria without BVN?
Yes, there are many loan app with NIN without BVN like OKash and EaseMoni that allows you to use your NIN instead of BVN for your identity verification. This means you can get a loan even if you don’t have or don’t want to use your BVN. Read more: Best Loan Apps Without BVN (2025 Review)
2. Is it safe to use my NIN on loan apps?
Yes, if you’re using CBN and FCC-approved loan apps like OKash and EaseMoni, then yes, it’s safe. These platforms are secure and use encryption to protect your data.
3. Which is the best loan app with NIN?
OKash and EaseMoni are currently the best loan apps with NIN in Nigeria. They are reliable, fast, and user-friendly. Both are also partnered with Opay, which adds extra trust and ease of access.
See Also: Full List of Loan Apps Approved by CBN 2025
4. How much loan can I get using my NIN?
It depends on the app and your credit score. Most apps start with small amounts like ₦5,000 to ₦20,000. As you repay on time, you can access higher loan amounts up to ₦200,000 or more.
5. Do I need to submit documents when using NIN?
Only NEPA bills for resident verification and no other documents are needed. Just document that verifies your address and your NIN, and a clear selfie is usually enough for identity verification on these apps.
Need help choosing a loan app with NIN? Let me know your needs, and I can recommend the right one for you!
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