Loan Apps Without Selfie In Nigeria

If you are looking for reputable loan apps that will offer you financial credits without selfies, then this article is precisely what you need.

We understand that emergencies can spring up anytime hence, mounting pressure on one. Going to the bank for loans can be stressful and full of restrictions or limitations.

Again, most loan apps would demand to know the nitty gritty of you and your business. This is why we compiled this article to hand over the list of loan apps without a selfie. Keep reading.

Why Do Most Loan Apps Demand Selfies?

Every company in the digital lending sector seeks to know about its customers to avoid incurring losses in its investments and being a victim of scammers.

This is the importance of selfies which is also known as Know Your Customer (KYC). The essence of selfies is to help the lending platform know more about its customers and to ensure that they can pay up their debts when due.

It is because of this that many loan apps demand BVN and other documents that unveil the identity of the customers and also help them in tracking their customers.

However, there are also reputable loan apps that do not demand selfies and BVN details from their customers. In the next section of this article, we shall explain in detail.

10 Loan Apps Without Selfie

This is the most crucial section of this article. We will be discussing the top 10 loan apps without a selfie. Below are them;

  • CarrotPay Loan App
  • JumiaOne Loan App
  • Okash Loan App
  • Aella loan App
  • Eyowo loan App
  • ALAT loan App
  • Carbon (paylater) loan app
  • Palmcredit loan App
  • Quickteller loan App
  • Fair loans loan App

Having listed the top 10 loan apps without a selfie, let us quickly explain each for better clarity. Stay tuned and pay close attention.

CarrotPay Loan App

The first loan app on our list is CarrotPay. With CarrotPay, you can seamlessly get your desired loan without selfies.

All you have to do is to pass the automated checks and ensure that your credit score is favorable and also get credited within a few minutes of loan approval.

CarrotPay makes loans in Nigeria without any KYC, and people can borrow as low as N5,000 and as much as N50,000.

They offer a repayment plan that is flexible though it is between 60 to 180 days, and it is monthly.

Talking about the interest rate of CarrotPay, the least interest rate is usually 3% per month and a maximum of 10%. Although, the interest rates depend mainly on the scoring algorithm.

JumiaOne Loan App

The next app on our list of loan apps without selfies is the JumiaOne loan app.

It is an instant loan app that does not need selfies before granting your loan—a subsidiary of the Jumia Group.

On JumiaOne, you can comfortably access a loan amount from N5,000 to N100,000 with a duration of 15-30 days, depending on the user’s credit score.

This app is one of the reputable loan apps in Nigeria, and you can only access the JumiaOne loan by scrolling down to the “Financial Services” feature and proceeding to tap on “loans.” Enter the required information (from which a selfie is exempted) and wait for loan approval from the management team and disbursement within a few minutes.

Okash Loan App

Okash loan app is another legit app that offers loans to its customers without selfies. You can only access the Okash loan through the Opay mobile app, which is under the control of Opay Digital Services Limited/paycom.

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Aside from that, Okash is owned by Blur Ridge Microfinance Bank Limited. Okash loan app provides loans between N1,500 and N50,000 to its customers.

The loan tenure is comfortable (60 days) with an interest rate of 10%-24% per month.

Aella Loan App

Another giant in the digital lending sector that does not need a selfie to offer loans to its users is the Aella loan app. You can obtain soft loans as low as N2,000 and as high as N1,000,000. Amazingly, you get paid instantly upon approval.

The loan duration is between 30-60 days, and the monthly interest of 30%, which may reduce by 4% with time, provided that the user keeps being faithful.

Eyowo Loan App

Eyowo loan app is a simple platform that offers loans to eligible users without selfies or KYC; however, you must provide your phone number and other essential information.

The process of obtaining an Eyowo loan is simple and seamless. You can borrow, spend, receive, save and send money through the Eyowo mobile app website or with the USSD code, which is *4255#.

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ALAT Loan App

ALAT is a loan product offered by Wema bank. You can access this loan through the ALAT app without a selfie.

No collateral, documentation, or paperwork is needed to obtain an ALAT loan. You can obtain up to N2,000,000 provided you are eligible and has a good credit score.

ALAT loans do not also take time to get disbursed. Within 24 hours of loan approval, your loan is pretty good in your bank account.

Carbon (Paylater) App

The carbon loan app, previously known as Paylater, is a loan app that does not require selfies before granting financial aid to its eligible applicants.

You can borrow as low as N5,000 and as much as N1,000,000 from Carbon without a selfie.

The repayment period is between 7 and 180 days, and a convenient interest rate.

Palmcredit Loan App

Palmcredit is a reliable and reputable platform that provides loans to individuals and businesses without a selfie.

You can obtain a loan worth N100, 000 without collateral, property documents, or any paperwork. The interest rate is between 4% to 24%, with APR between 24% to 56%.

Remember that you do not have to physically visit the head office before you can access the Palmcredit loan. All you need to do is to have a smartphone with an internet connection and proceed to download Palmcredit mobile app on Google PlayStore.

QuickTeller Loan App

Quicteller is another beautiful platform that offers instant cash to its eligible users. If you need money without stress, then Quickteller is at your rescue.

Amazingly, Quickteller does not need a selfie to approve your loan application. All you have to do is to register on their website with your basic information like email, phone number, and name.

On Quickteller, you can obtain an instant loan as low as N10,000 with a low-interest rate of 15%. Did we forget to tell you how fast they disburse loans upon approval? Yes, you get credited within a few minutes of your loan approval.

Fair Loan App

We can not end this list of loan apps without selfies without mentioning fair loan app.

Fair loans though one of the recent loan apps in Nigeria, is a trusted loan app. With Fair Loans, you can access N5,000 to N30, 000 worth of loans, provided you are eligible.

The repayment period is 60 days which is roughly two months, and a maximum APR of 24%.


Different loan apps can offer you loans without a selfie; however, the ones listed in this article are the top 10 and the most reliable.

But then, bear in mind that some of these apps may begin to seek selfies while some may stop. Whatever the case may be, we hope to keep you updated.

Meanwhile, feel free to ask your questions in the comments section.