7 Best Loan Apps Without Face Verification in Nigeria (2025)

Loan apps without face verification are digital lenders that allow you to access credit without taking a live selfie or doing a facial scan. These platforms verify your identity through other means like your Bank Verification Number, National ID, phone number, and bank details.

This app is the best if you don’t want to take a selfie or your phone camera is bad. By skipping the “selfie” step, these apps speed up the loan application process and make borrowing more convenient.

In this article, we explain how they work, list the top Nigerian apps for 2025 that don’t need face verification, and also give tips for safe borrowing.

Table of Contents

How Loan Apps Without Face Verification Work

These apps replace face-scanning with other identity checks by using your BVN or NIN, which links to your bank accounts and credit history, allowing the app to confirm your name, age, and repayment record.

Instead of facial verification, they will ask you for details like your National ID (NIN), bank account, phone number, and email to verify you.

Some of these apps may use your transaction history or account activity to assess your creditworthiness. And they are still complying with KYC rules by using BVN and document checks rather than a camera scan.

This differs from other apps that force you to align your face on camera, blink, or turn your head.

With apps without Face ID, you will get faster, simpler sign-ups since they skip awkward camera steps. But, some of them may give smaller loans that increase as you prove yourself.

See Also: 5 Best Loan App with NIN in Nigeria 2025

Benefits of Using Loan Apps Without Face Verificationb

Faster approval: Removing the face-scanning speeds up the loan process. You can apply and get funds in minutes without worrying about lighting or camera quality.
Simple devices: You don’t need a high-end smartphone or a good camera; you only need any Android phone to run these apps.
Accessibility: People in remote regions (with poor internet or camera problems) can still access loans, since the app only needs your data and phone number, not a selfie.

Top Loan Apps Without Face Verification in Nigeria (2025 List)

Loan Apps Without Facial scan in Nigeria 2025

1. Okash Loan App:

Okash is one of the loan apps that can use other ways to confirm your identity—like your BVN, phone number, or data that is already linked to your Opay account. This makes Okash one of the best loan apps without face verification in 2025.

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 Approved Without Face Verification

Okash is linked with Opay, so because you already had an Opay account, your BVN, address, and other financial details were shared between the two platforms. This meant they already had enough information to approve your loan without asking for a selfie.

If you want to try it:

Make sure your BVN and phone number are linked to your OPay account.
Have a transaction record in your OPay account.

2. Easemoni

This is another loan app or trick you can consider. Instead of downloading loan apps, 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 services. One of these services is the loan feature. When you need a loan, simply open your Opay app and click on the Loan button right on your dashboard. Opay will automatically redirect you to EaseMoni (still inside the Opay app), so you don’t even need to download the EaseMoni loan app separately.

From there, you can apply for a loan without any face verification. 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.

See Also: Top 10 Loan App That Gives ₦50,000 Instantly in Nigeria (2025 Reviews)

EaseMoni Loan App – Key Details & Features

EaseMoni Loan can offer quick loans ranging from ₦3,000 to ₦1,000,000, with limits increasing 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 may allow you to access a loan without face verification by relying instead on your BVN, phone, and Opay data for verification.

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.

3. Newcredit Loan App

Operator: Newedge Finance Limited (CBN-licensed).
Loan Range & Interest: ₦10,000–₦300,000; APR roughly 24–36% (about 2–3% per month).
Repayment: Flexible terms from 91 to 365 days.
How to Apply: Download Newcredit on Google Play or the Apple Store. Register with your phone number (linked to your BVN), then fill in personal and bank details. Upon approval, funds go directly to your account.
Download: Available on Google Play Store and Apple App Store.

4. P2Vest (P2V) Loan App

Operator: P2Vest Technology Limited.
Loan Range & Interest: ₦10,000–₦1,000,000 or more (peer-to-peer loans); interest ~5–30% depending on the lender.
Repayment: Terms up to 180 days.
How to Apply: Install P2Vest from Google Play or the App Store. Create an account, complete KYC (enter BVN and valid ID), and then submit your loan request.
Download: Available on Google Play Store and Apple App Store.

5. KiaKia Loan App

Operator: KiaKia Bits Ltd.
Loan Range & Interest: ₦50,000 – ₦2,500,000; interest varies by tenure and loan type.
Repayment: Flexible terms from 6 to 18 months.
How to Apply: Visit the KiaKia website or download the app. Sign up, verify with BVN and ID, and then apply for a loan.
Download: Available on Google Play Store and Apple App Store.

6. SilkLoan Loan App

Operator: Silkloan Nigeria.
Loan Range & Interest: ₦2,000 – ₦200,000; APR around 12–36%.
Repayment: Typically 90 to 360 days.
How to Apply: Install SilkLoan from Google Play. Register with your phone number, fill in personal and bank details, and submit your request.
Download: Available on Google Play Store.

7. Sparkle Loan

Operator: Sparkle (digital microfinance bank).
Loan Range & Interest: ₦100,000 – ₦5,000,000; personalized rates.
Repayment: Monthly over 12 months (varies by account activity).
How to Apply: Open a Sparkle bank account, build account activity, then apply for a loan through the app.
Download: Available on Google Play Store and Apple App Store.

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 apps without face verification offer quick access to loans without taking selfies as KYC verification, older devices, or poor internet. In 2025 some of the loan apps that can offer you loans without face verification are Okash, Easemoni, Newcredit, P2Vest, KiaKia, SilkLoan, and Sparkle.

They can offer you quick access to funds without the need of a selfie and still verify your identity through BVN and other documents.