In this article, we’ll reveal trusted loan apps in Nigeria that don’t request face ID. We’ll review each app, list requirements, loan amounts, interest rates, and how to apply.
Why People Avoid Face Verification for Loans
Many loan apps in Nigeria require users to submit a selfie or face scan during registration. While this is often done for security, it can be a deal-breaker due to:
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Privacy concerns
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Low-end phones without good cameras
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Technical glitches during verification
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General discomfort with uploading biometric data
Thankfully, there are reliable apps that don’t require face verification.
Best Loan Apps Without Face Verification in Nigeria

1. Newcredit Loan App
Available on: Google Play Store
Loan Amount: ₦5,000 – ₦300,000
Tenure: 91 to 365 days
Interest Rate: Between 4% – 24% APR
Newcredit is one of the most popular loan app in Nigeria without face verification. It allows users to get quick loans by simply registering with their phone number and providing basic information. No camera or selfie is needed.
Requirements:
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Nigerian resident
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Age 18–60 years
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Valid phone number
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BVN
How to Apply:
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Download from Google Play Store
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Register with your phone number
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Fill in required details
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Submit your loan application
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Receive funds directly in your bank account
2. P2Vest (P2V) Loan App
Platform: Google Play Store
Loan Amount: ₦10,000 – ₦1,000,000
Tenure: 61 to 180 days
Interest Rate: 5% – 30%
P2Vest, also known as P2V, is another best app offering loans without facial verification in Nigeria. With over 100,000 downloads, it’s growing in popularity.
Features:
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Peer-to-peer lending
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No face scan required
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Easy user interface
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Quick disbursement
Note: Available only on Android for now.
3. KiaKia Loan App
Available on : Google Play Store & Apple App Store
Loan Amount: ₦10,000 – ₦1,000,000
Tenure: 90 days to 3 years
Interest Rate: 5% – 24% APR
KiaKia (meaning “quick quick” in Yoruba) lives up to its name. The app offers both short-term and business loans. No face verification is needed.
Requirements:
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Basic ID (not face scan)
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BVN and bank details
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Good repayment history improves loan limits
Pros:
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Business-friendly loan options
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Long repayment period
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Fast approval without selfie upload
4. SilkLoan Loan App
Platform: Google Play Store
Loan Amount: ₦2,000 to ₦200,000
Tenure: 90 to 360 days
Interest Rate: Varies
Silkloan is another best loan app in Nigeria without face verification. It’s not as popular as others, but users praise its fast approvals and referral program.
Why Users Like It:
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Easy registration (no face scan)
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Referral earnings
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User-friendly dashboard
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Decent loan terms
Are Loan Apps Without Face Verification Safe?
Yes—if you choose reputable platforms like those listed above. However, avoid apps that:
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Request unnecessary permissions (like gallery or contact access)
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Lack proper customer service or contact information
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Have poor reviews or shady privacy policies
Always read app permissions and user reviews on the Play Store before installing.
See Also: 7 Best Apps to Borrow Money Without BVN in Nigeria (2025 Update)
Final Thoughts
Getting a loan without face verification in Nigeria is possible. Apps like Newcredit, P2V, KiaKia, and Silkloan make it easy and convenient. They prioritize privacy while still offering fast financial help.
Just remember:
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Your BVN and correct details are still important
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These apps may have other requirements (like proof of income or address)
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Always repay on time to avoid penalties or bad credit reports
FAQs
1. Can I get a loan in Nigeria without face ID?
Yes. Several apps like Newcredit, KiaKia, and P2V don’t require facial verification.
2. Do I still need a BVN?
Yes. Most loan apps require your Bank Verification Number for security and credit scoring.
3. Are these apps available for iPhones?
Some are, like KiaKia and Newcredit. Others like P2V are currently Android-only.
4. How fast is the disbursement?
Usually within minutes to a few hours, depending on the app and your verification status.
5. Are there any hidden fees?
Always check the terms inside each app before applying. Interest rates and processing fees vary.