Loan apps without face verification in Nigeria don’t need your facial scans or selfie uploads to access your creditworthiness, which is suitable for those who want privacy or are using a device without a working camera. This article will help you discover apps that skip face verification and still provide you with fast loans. We’ll review each app and 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 take a selfie or face scan during registration, but many people don’t like it due to:
- Privacy concerns
- Low-end phones without good cameras
- Technical glitches during verification
- Feeling discomfort
Thankfully, there are alternative apps that don’t require face verification.
See Also: Nigeria TVET Monthly N45,000 Grant – Eligibility, Application and Benefits
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 apps in Nigeria that allows users to get quick loans by simply registering with their phone number and providing basic information with no camera or selfie needed.
Requirements:
-
Nigerian resident
-
Age 18–60 years
-
Valid phone number
-
BVN
How to Apply:
-
Download from Google Play Store
-
Register with your phone number
-
Fill in required details
-
Submit your loan application
-
Receive funds directly in your bank account
Click here to download newcredit loan app
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 that can offers loans without facial verification in Nigeria with over 100,000 downloads.
Features:
-
Peer-to-peer lending
-
No face scan required
-
Easy user interface
-
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 and can offer quick loan without face verification.
Requirements:
-
Basic ID (not face scan)
-
BVN and bank details
-
Good repayment history improves loan limits
Pros:
-
Business-friendly loan options
-
Long repayment period
-
Fast approval without selfie upload
See Also: Top 10 Best Loan App in Nigeria 2025 Reviewed
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:
-
Easy registration (no face scan)
-
Referral earnings
-
User-friendly dashboard
-
Decent loan terms
Disclaimer: Please note that there may be changes in app policies due to updates from the Central Bank of Nigeria (CBN); some of the apps listed in this post may begin to require your face verification as part of the Know Your Customer (KYC) process. While the information provided is accurate at the time of writing, we recommend checking each app’s current terms and conditions before applying for any loan. We are not affiliated with any of the mentioned loan apps, and we cannot guarantee loan approval or terms.
Are Loan Apps Without Face Verification Safe?
Yes—if you choose the one approved by CBN, like those listed above. However, avoid apps that:
-
Request unnecessary permissions (like gallery or contact access)
-
Lack proper customer service or contact information
-
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 not common but possible. Apps like Newcredit, P2V, KiaKia, and Silkloan may give loans without face verification with ease and convenience.
Just remember:
-
Your BVN and correct details are still important
-
These apps may have other requirements (like proof of income or address)
-
Always repay on time to avoid penalties or bad credit reports
See Also: Full List of Loan Apps Approved by CBN in Nigeria (2025 Update)
FAQs
1. Can I get a loan in Nigeria without face ID?
Yes, it is possible; apps like Newcredit, KiaKia, and P2V may not need your facial verification.
2. Do I still need a BVN?
Yes most loan app need your BVN (Bank Verification Number) for security and credit scoring purpose.
See Also: Can a Loan App Block Your BVN or Blacklist It? (2025 Must-Know Facts)
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?
It may be within a minutes to a few hours, depending on the app and your verification status.
5. Are there any hidden fees?
For hidden fees, check the terms of each app and their interest rates and processing fees.
