Best Loan App In Nigeria Without Bvn

188+ iOS apps curated and reviewed

3.7 avg rating
20 free apps
Updated June 2026

Every iPhone needs a few good loan app in nigeria without bvn apps. We benchmark 188+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Top Picks for Loan App In Nigeria Without Bvn

eLendly#2

eLendly by Elendly Limited

Gift, Lend, Borrow and Invest
Strong Contender
💰 Finance
2.2(49 ratings)
Free
eLendly screenshot 1
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Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.

Monibac#3

Monibac by Prime Zone Limited

Get access to loans on Monibac
Worth Considering
💰 Finance
2.7(61 ratings)
Free
Monibac screenshot 1
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Access collateral-free loans and earn interest on savings. This app allows users to save, withdraw, and get loans up to 150% of their savings after three months. Enjoy transparent loan terms and repayment reminders.

More Loan App In Nigeria Without Bvn apps to explore

4
Fidelity FastLoan
Fidelity FastLoan
Fidelity FastLoan
by Fidelity Bank Plc
Free

This finance app enables users to apply for and receive micro loans quickly. It offers instant disbursement within minutes, with flexible repayment options. No documentation, collateral, or bank visits are required.

Instant micro loan disbursementLoan repayment optionsNo documentation required
💰 Finance
(29)
free
5
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2Vest - Loan & Insurance App
P2P Lending | Buy Insurance
Free

Connects borrowers seeking loans directly with lenders, streamlining the traditional lending process. Users can apply for loans, receive funds, or invest by lending to others. Offers flexible repayment terms and requires KYC for increased loan limits.

Direct borrower-lender connectionLoan application and disbursementLending investment opportunities
💰 Finance
(165)
free
6
Neocash Mobile
Neocash Mobile
Neocash Mobile
Powered by Shepherd Trust
Free

This app provides quick and easy access to personal loans for Lagos State residents. Apply for amounts between ₦5,000 and ₦5,000,000 with flexible repayment terms and no collateral required for most loans. Funds are credited upon approval.

Loan amounts from ₦5,000 to ₦5,000,000Flexible repayment periodsFast loan approval and disbursement
💰 Finance
(1)
ad-supported
7
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
💰 Finance
(14K)
free
8
Moniepoint Business Banking
Moniepoint Business Banking
Moniepoint Business Banking
Mobile bank account|POS|Loans
Free

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

Business bank account creationAccept online and offline paymentsPOS terminal requests
💰 Finance
(15K)
free with in-app purchases
9
Kiakia P2P
Kiakia P2P
Kiakia P2P
You fund. We invest. You earn.
Free

Invest in loans and businesses to earn high returns, or access fast, competitive loans. This platform connects investors with borrowers, facilitating funding with minimal bureaucracy. Earn interest or share profits on your capital.

Invest in loans and businessesEarn 12%-40% returnsAccess personal and business loans
💰 Finance
(18)
free
10
Mocasa: Pay Later & Quick Loan
Mocasa: Pay Later & Quick Loan
Mocasa: Pay Later & Quick Loan
High Credit. Low Rate. Legit.
Free

Access quick cash loans and a virtual Mastercard for convenient online and in-store purchases. Enjoy flexible repayment terms and interest-free billing cycles for smarter financial management.

Virtual MastercardQuick cash loansFlexible loan terms
💰 Finance
(99)
free with in-app purchases
11
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(133K)
freemium
12
Lakeview Mortgage
Lakeview Mortgage
Lakeview Mortgage
Your mortgage on the go.
Free

Manage your home loan finances with ease. This app allows you to make payments, review statements, set up autopay, and track your loan details. Access your mortgage information and agent assistance 24/7 for convenient account management.

Make loan paymentsReview monthly statementsSetup AutoPay
💰 Finance
(20K)
free
13
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)
💰 Finance
(10K)
free with in-app purchases
14
PayMe - Personal loan app
PayMe - Personal loan app
PayMe - Personal loan app
Instant personal loan app
Free

This app provides instant personal loans for salaried individuals in India, with amounts ranging from Rs. 2,000 to Rs. 2 Lakh. It offers a 100% paperless process, flexible repayment options, and quick approvals, with funds disbursed directly to your bank account.

100% paperless processLoans up to Rs. 2 LakhFlexible repayment options
💰 Finance
(28)
free with in-app purchases
15
Cash Loan: Loan Emi Calculator
Cash Loan: Loan Emi Calculator
Cash Loan: Loan Emi Calculator
Personal Instant Loan Guide
Free
💰 Finance
(19)
16
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(63K)
free
17
My LoanCare Go
My LoanCare Go
My LoanCare Go
Your mortgage on the go.
Free

Manage your mortgage loan servicing with ease. This app allows homeowners to make payments, review statements, track finances, and set up autopay. Access important documents and manage paperless billing conveniently from your mobile device.

Make loan paymentsReview monthly statementsSetup AutoPay
💰 Finance
(25K)
free
18
Loan In Touch
Loan In Touch
Loan In Touch
Apply for Loan easily!
Free

Apply for loans from trusted banks with competitive rates from home. Documents can be collected, loans approved, and funds credited to your account in under 72 hours.

Easy loan applicationTrusted bank partnershipsCompetitive interest rates
💰 Finance
(0)
free
19
QuickBucks
QuickBucks
QuickBucks
Access bank loan app
Free

Access bank loan app for instant loan applications. Offers various loan types including payday loans, salary advances, and personal loans. Available to both bank customers and non-customers.

Instant loan applicationsPayday loansSalary advance
💰 Finance
(95)
free
20
LAPO Mobile App
LAPO Mobile App
LAPO Mobile App
by Lapo Microfinance Bank limited
Free

Manage your finances on the go with this banking app. It offers self-onboarding, bill payments, transfers, and airtime purchases. Monitor your account and activities with ease.

Self-OnboardingBill PaymentsTransfers
💰 Finance
(34)
free