Loan app with NIN is a digital lender that allows you to use your NIN to verify your identity. Many loan apps require your BVN for verification, but if you don’t want to use your BVN and you are looking for the best loan app with NIN, you’re in the right place. There are some loan apps in Nigeria that can allow users to verify their identity using their National Identification Number (NIN), and this means that you can borrow money without your BVN.
In this article, we will look at the best loan apps in Nigeria that can accept your NIN as a means of verification. We will also go for apps that are easy to use, safe, and CBN approved.
What Is NIN, and Why Do Loan Apps Use It?
NIN (National Identification Number) is a unique number issued by the federal government through the National Identity Management Commission (NIMC). This number will help to verify who you are and is a kind of link to your official data.
These loan apps use NIN as an alternative to BVN to verify users who may prefer not to share their BVN. With the NIN, users can still verify their identity and access quick loans.
Benefits of Using the Best Loan App with NIN
- If you use your NIN to verify your identity, you don’t need your BVN, therefore making your BVN safe.
- With your NIN the verification will be fast, and it can take you just a minute to complete.
- Loan apps with NIN are easy to access, and this makes them suitable for people who don’t have a BVN.
- Your financial data will be secured.
Best Loan App With NIN: Top Recommendation
Below are some of the best loan apps in Nigeria that can accept your NIN as a means of identity verification:
1. OKash
OKash is one of the best loan apps in Nigeria that can offer you a quick loan using your NIN. This loan app is partnered with Opay, making it easy to access loans with NIN, because 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.
During the registration, as you enter your NIN, Opay will then ask you to take a selfie of yourself for facial verification to confirm your identity. Once your identity verification is successful and confirmed, you can access the loan through the Finance > Loan section of the Opay app.
Key features:
- Loan amount: Up to ₦200,000
- Repayment period: Up to 91 days
- Interest: Low and transparent
- No BVN required
2. EaseMoni
EaseMoni is one of the best loan apps that allows you to use your NIN as a means of your identity verification. This loan app is also partnered with Opay, and you can use your NIN to access their loans or to verify your identity when you create an account. Just like OKash, Easemoni verifies your identity using your NIN and a selfie.
If you don’t have BVN or you don’t want to share it, you can use Opay as a means. This is what you need to do: download the OPay app on the Google Play Store and create an account using your NIN. Then navigate to the “Finance > Loan” section to download the EasiMoni app; you will be directed to the Play Store again to download the app. When you are done installing the Easemoni app, you can use your Opay phone number to sign up.
EaseMoni Highlights:
- Fast approval within minutes
- No BVN needed
- Trusted by thousands of users
3. 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.
Why Palmcredit?
- Flexible loan terms
- User-friendly interface
- High approval rate
4. FairMoney
FairMoney is one of the best and most popular loan apps in Nigeria that can allow you to create an account and even access their loans with your NIN and NEPA bills for identity verification. The loan app has gained a strong reputation among users; it also offers more financial services beyond loans.
FairMoney perks:
- Offers loans, transfers, and bill payments
- Competitive interest rates
- Good customer support
5. Aella Credit
Aella Credit is one of the loan apps that supports quick access to loans, and it offers an NIN-based registration. This app focuses on simplicity and transparency. You can register in minutes and start accessing loan offers.
Top features:
- Low documentation
- Fast loan processing
- Ideal for employees and small business owners
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.
Best Loan App with NIN: Final Thoughts
If you want to borrow money without your BVN, then the best loan app with NIN is a smart option for you. Loan apps like OKash and EaseMoni offer loans with NIN and are easy, secure, and fast to get the money you need.
These apps can be suitable for students, small business owners, and anyone who wants to access a loan with NIN. But make sure to borrow only what you can repay and 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?
Loan apps like OKash and EaseMoni allow you to use your NIN instead of BVN for 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.
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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