Loan apps without face verification are digital lenders that allow you to borrow money without taking a live selfie or doing a facial scan. These loan apps verify your identity through other means like your Bank Verification Number, National ID, and phone number.
A loan app without face verification is the best option if you don’t want to take a selfie or your phone camera is bad. You can skip the “selfie” and proceed with the loan application and get funds within minutes.
These loan apps work by replacing face-scanning with other means of identity checks, either BVN or NIN, that link to your bank accounts and credit history, allowing the app to confirm your name, age, and creditworthiness.
Instead of facial verification, this app will use your National ID (NIN), phone number, and email to verify you.
Some of these apps may use your transaction history or account activity to assess your creditworthiness.
This loan app differs from other apps that force you to align your face on camera, blink, or turn your head.
With these apps without Face Scan, you can get quick loans with simple sign-ups without taking a selfie.
Benefits of Using Loan App Without Face Verification
Faster approval: One of the benefits of a loan app without face verification is quick loan application; you don’t need the face-scanning, thereby speeding up the loan process. You can apply and get funds in minutes without worrying about camera quality.
Simple devices: With a loan app without a facial scan, you don’t need the latest smartphone or a good camera phone before you can apply for a loan; you only need any Android phone to run these apps.
Accessibility: Anybody with any smartphone can access a loan with this app that doesn’t require your face verification. The app only needs your data and phone number, not a selfie.
Lets dive in – Apps with no Face verification
Loan Apps Without Face Verification in Nigeria 2025—Full List
Loan App Without Face scan in Nigeria 2025
1. Migo Loan App
Migo is one of the digital lending apps in Nigeria that can allow users to borrow money without face verification. All you need to do is to dial *561# on your phone. Then Migo will use your phone number and sometimes BVN to verify your identity.
It loans amounts ranging from ₦500 up to ₦500,000, depending on your credit history. Interest rates vary, ranging from 5% to 25%, and repayment periods can range from a few days to a few months.
With Migo You don’t even need your NIN before you can apply for a loan. You only need to dial the USSD codes and follow the screen prompt. Then, once approved, the funds will be disbursed into your bank account within minutes.
Migo remains one of the easiest and most reliable loan apps without face verification.
Okash is one of the best loan apps that can give loans without face verification by using other ways to confirm your identity—like your BVN or phone number linked to your Opay account. This makes Okash one of the best loan apps without face verification.
What is the Okash Loan App?
Okash is one of the popular loan apps in Nigeria operated by Blue Ridge Microfinance Bank Ltd. It allows you to apply for instant loans without collateral and, in most cases, without the need for face verification. The app is available on the Google Play Store and usually works on Android devices.
Loan Amount: ₦3,000 – ₦500,000
Interest Rate: Between 0.1% and 1% per day (equivalent to about 36% per year)
Repayment Period: 91–365 days (depending on your profile and loan offer)
Availability: Google Play Store (Android users)
How to Get a Loan from Okash Without Face Verification
Here is what you should do:
Download the App: Go to the Google Play Store and search for “Okash Loan App,” then install it.
Sign Up: Press sign up and enter your phone number to log in.
Reset Password: Click on Reset Password. Okash will allow you to reset your password if you have an OPay account. With this, you bypass opening a new account; you use your Opay account data to log in. Instead of you going through face verification, just click on “Forgot Password.”
OTP Verification – Okash will send you a One-Time Password (OTP) to your registered phone number. Then enter it and reset your password.
Login & Loan Approval: Once you log in, you will be able to request a loan immediately.
Why You Can Get a Loan Without Face Verification in Okash
Okash is linked with Opay; if you are an Opay user, Opay will share your BVN and other KYC details with Okash. Since they already had enough information from you, you can get a loan without a selfie.
If you want to try it:
Make sure your BVN and phone number are linked to your OPay account.
This is another loan app that can give loans without face verification. Instead of downloading the Easemoni app, just download OPay from the Google Play Store. Once you install it, sign up using your BVN or NIN (National Identity Number).
After signing up, you will have access to all of Opay’s loan services. To get a loan without face verification, open your Opay app and click on the Loan button right on your dashboard. Opay will automatically redirect you to EaseMoni (inside the Opay app). You can borrow money from the EaseMoni loan app without face verification through Opay.
This is possible because Opay is using your BVN, phone number, and other linked data to verify your account instead of asking for a selfie or face scan.
EaseMoni Loan amounts range from ₦3,000 to ₦1,000,000; the loan limits increase as you build a good repayment history.
Interest rates range from 5% to 20% monthly (APR 60%–120%), with no hidden charges except for possible late payment fees.
Loan repayment periods are flexible, from 14 days to 6 months. To qualify, you need your BVN or NIN, a valid phone number, a linked bank account, and proof of income, and you must be aged 20–55 years.
You can access EaseMoni through its mobile app or the Opay app loan features.
The application process is simple; you can sign up with your BVN/NIN and get instant disbursement once approved.
EaseMoni can allow you to access a loan without face verification by using your Opay phone number.
Other benefits include higher loan limits for returning users and 24/7 customer support via chat and email. The app is available on the Google Play Store and Apple App Store.
Newcredit is one of the best loan apps in Nigeria without face verification, owned by Newedge Finance Limited, a CBN-licensed digital lender. With this app, you can borrow from ₦10,000 to ₦300,000. Its annual percentage rate (APR) is about 24–36% (roughly 2–3% monthly).
Repayment terms ranging from 91 to 365 days. To borrow money, you need to download Newcredit on the Google Play Store or Apple App Store. Create an account using your BVN and phone number. Then provide your personal and bank details, and apply for a loan. Once approved, you will receive funds within minutes.
Another loan app without face verification is P2Vest (P2V), operated by P2Vest Technology Limited. Unlike most lenders, this platform connects borrowers with peer-to-peer lenders. Loan amounts can range from ₦10,000 up to ₦1,000,000 or more.
Its interest rates can vary between 5% and 30%, depending on the borrower. Repayment periods can be up to 180 days. To apply for a loan, you need to download P2Vest on Google Play or the App Store, create an account, complete KYC with your BVN ID, and then submit your loan request.
KiaKia Loan App is another reliable choice for those seeking loan apps without face verification. This app offers loan amounts ranging from ₦50,000 to ₦2,500,000. Its interest rates vary depending on the loan type and user creditworthiness.
You can enjoy flexible repayment terms of six to 18 months. To apply, visit the KiaKia website or download the app, sign up with your BVN and ID, and then request a loan. The app is available on both Google Play and the Apple App Store.
For those in need of smaller and quicker loans, SilkLoan is the best option to consider. This app provides loans from ₦2,000 to ₦200,000, with APRs ranging between 12% and 36%.
It has repayment terms ranging from 90 to 360 days. To access a SilkLoan loan, you need to download and install the app from Google Play, register with your phone number, fill in your personal and bank details, and submit your application. Once approved, the loan will be disbursed directly into your bank account.
Another name in the list of loan apps without face verification in Nigeria is Sparkle Loan, a product of Sparkle Digital Microfinance Bank.
Sparkle focuses on more personalized loan offers, with amounts ranging from ₦100,000 up to ₦5,000,000. Repayment is usually structured monthly over 12 months, though the exact terms vary depending on the borrower’s account activity.
To qualify, you must first open a Sparkle account, maintain consistent usage, and then apply for a loan directly in the app. Sparkle can be downloaded on both the Google Play Store and the Apple App Store.
Why People Look for Loan App Without Face Verification
There are many reasons why people are searching for loan apps without face verification. Some people are looking for it because of privacy concerns about sharing facial data online. Bad phone cameras are another reason why people are going for loans without facial scans.
Another reason is that face verification can be slow and frustrating. In addition, people in busy neighborhoods or rural areas may find it hard to use face verification.
Advantages of Loan Apps Without Face Verification
Loan apps that skip facial recognition come with several benefits.
The loan application process is simple and smoother.
You don’t need to worry about camera quality or failed attempts.
Your privacy is protected since biometric information is not collected.
You can access loans even with basic smartphones with no camera.
Disadvantages
While these apps are convenient, they also have disadvantages.
High risks of fraud since face verification is not required
Some apps may be unregulated.
Small loan amounts compared to apps with face verification.
A lot of fraudulent loan apps are targeting people looking for easy loans without face verification.
Risks of Using Loan App Without Face Verification
Some loan apps without facial recognition may charge high interest rates that can trap users in debt. Another risk is aggressive debt collection methods, including harassing phone calls or messaging. Privacy is another concern, as some apps can misuse users’ sensitive data such as BVN, contacts, or SMS messages. Fake apps also pose a risk, claiming to offer loans but stealing user information instead.
Who Should Use Loan Apps Without Face Verification
These app are best for those who need quick, short-term loans without face verification processes. It can be a good option for students who require emergency funds, small business owners who need instant cash, or individuals using older phones. They are also useful for people that value privacy and prefer not to share their selfie.
How Much Can You Borrow from Loan Apps Without Face Verification?
You can borrow from ₦2,000 to ₦50,000 as a first timer. With a good repayment history, you can qualify for higher amounts ranging from ₦500,000 to ₦2,000,000. Apps such as Migo, Okash, KiaKia, and P2Vest can gives high loan limits for consistent users.
Future of Loan Apps Without Face Verification in Nigeria
Many borrowers are looking for privacy-friendly loan apps that use BVN and OTP for verification instead of selfies. There are some of the apps that skip facial verification out there, using alternative methods for KYC. Since many Nigerians prefer the quick method of verification, more apps may eliminate face scanning requirements.
How to Apply for a Loan Without Face Verification
Download and install the app: Search for the loan app on Google Play or the Apple App Store.
Register: Sign up with your phone number and BVN or NIN.
Provide personal details: Fill in your name, date of birth, address, income details, and bank account.
Apply for the loan: Enter the loan amount, review the terms, and submit your request.
Receive funds: Once approved, the money will be sent to your bank account.
Risks and Safety Tips
Only use loan apps that are approved by the FCCPC or CBN.
Avoid sharing your BVN or bank details outside official apps.
Read terms carefully before accepting a loan.
Avoid apps that demand upfront payment for loan processing.
Conclusion
Loan app without face verification offer quick access to loans without selfies. In this article we have listed some of the best loan apps that offer loans without face verification: Migo, Okash, Easemoni, Newcredit, P2Vest, KiaKia, SilkLoan, and Sparkle.
