6 Best iPhone Loan Apps in Nigeria Online 2024 (Without BVN)

Do you want to know the best CBN approved iPhone loan apps in Nigeria to borrow quick money online without BVN today?

If YES, then this is the only post to read.

Getting started…

Best iPhone Loan Apps in Nigeria

Here is the list of the best loan apps to download and borrow money on the iPhone:

1. FairMoney

FairMoney app is a popular loan app approved by the Central Bank of Nigeria.

You do not need BVN, collateral, or guarantor to borrow from FairMoney.

With the FairMoney loan app, you can access ₦1,000 to ₦150,000 to repay within 2-8 weeks.

Their loan terms are flexible, and they offer fair interest rates.

The amount of money you can borrow depends on your creditworthiness.

To get a loan from the FairMoney loan app, just download the app on your mobile device, register, apply for a loan, and you will be credited in a few minutes.

2. FlexiCash

FlexiCash is a popular and reliable online banking app owned by PalmPay.

Users can send money, receive money, pay bills, buy airtime, and borrow money without a BVN with the app.

One sweet thing about this loan app is that it is available on Android and iOS.

You can access it on your iPhone and Android phone.

You can borrow only ₦10,000 on this loan platform if you are a new borrower.

The loan amount you get depends on your credit score.

As you pay your previous loans, the loan amount will keep rising.

3. Okash

Okash is controlled by OPay Digital Services Limited/Paycom but owned and operated by Blue Ridge Microfinance Bank Ltd.

The loan application process on Okash is fast and hassle-free.

Once you download the app and register, your application will be approved quickly, and the loan will be disbursed in your account.

Their interest rate is fair and gives borrowers a long time to repay.

You can apply for a loan multiple times on Okash if you repay it when due.

4. JumiaOne

JumiaOne is another CBN-approved loan app that doesn’t require BVN, collateral, or documentation to borrow money.

You can access up to ₦500,000 on this loan platform.

The interest rate for JumiaOne is 3.5% monthly.

The application process is straightforward.

You can receive your loan within a few minutes after applying.

To borrow from the JumiaOne loan app, you only need to download and register on the app.

Then, scroll to the ‘Financial Services’ category and click ‘Loan.’

Supply the information and wait for approval.

Once your loan is approved, you will receive the funds right away.

5. Aella Credit

With Aella Credit, you can borrow as small as ₦2,000 and even up to ₦500,000 without collateral, guarantor, or paperwork.

They give you a long time to repay, plus a low interest rate on every loan.

To get a loan from Aella Credit, download the app on your iPhone or Android device.

Create an account with your details and apply for a loan.

You will receive the money once they approve your loan application.

6. Carbon

Carbon offers online banking services like bill payments, savings, and transfers.

You can borrow money from Carbon instantly without inputting your BVN or bringing collateral.

You can borrow up to ₦1,000,000.

The repayment is one to six months.

Unlike many loan apps, Carbon verifies borrowers’ identities using employment details and bank statements.


Most loan platforms require BVN to verify a borrower’s identity and credit history before borrowing money.

If you do not have a BVN, you can borrow from any of these loan apps without a BVN in Nigeria above.

All you need to do is choose any loan platform, download, register, and apply for a loan, and you will receive the funds within minutes.

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Saint Chinedu

My GOAL is to equip you with the right strategy and working information to improve your academic performance, financial situation, and health this month.

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