How to Borrow Money from Opay without BVN (Up to 250k)

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If you want to learn how to Borrow Money from Opay without bvn, then this is the post you need right now. Find the ussd code, interest rate or how to repay with ease.

Are you running short on cash and don’t have any income at the moment, Opay loan can be of help.

Opay Loan Requirements

What are Opay loan requirements?

  1. You must have Opay app installed on your phone
  2. Be at least 18 years old
  3. Have a bvn (Bank Verification Number)
  4. Link your bank account to Opay app
  5. Live in Nigeria
  6. Have a means of repayment

If you meet all these requirements, you can borrow money on Opay without any delay

Steps to borrow money from Opay app

To borrow money from the Opay app, follow the steps below:

  1. Go to Google Play Store. download the Opay app and install it in your phone
  2. Log in if you have an account. If you do not have an account yet, create one
  3. Verify your new account
  4. Look for the account section and click on loans
  5. Click on Apply for a loan
  6. Check your phone for otp sms from Opay
  7. Input the OTP in the space provided
  8. Wait for approval

Note: always check the interest rate and loan period before you proceed.

Opay Loan code

The Opay loan code is *955#.

You can dial this code from the comfort of your home anytime you need urgent money from Opay.

For this code to work you need to have downloaded the Opay app and registered an account with them. If you haven’t done that before you need to do that before proceeding with the Opay ussd code for loan.

Interest rates

The interest rate on Opay loans ranges from 5% to 15%. No additional hidden fees except if you fail to pay back as and when due.

For instance, if you take a loan of 10,000 naira and interest rate is 5%, your repayment at the end of the month would be 10,000 naira plus 500 naira which is 10,500 naira.


Watch this video for more guide


Now, here are some frequently asked questions that may answer some of your quarries

How Much Can I Borrow From OPay For The First Time?

You can borrow up to 50000 from OPay for the first time. After that, you may be able to get higher amounts if you maintain a good credit history with them.

To get started, simply download the OPay app and sign up for an account. Then, you’ll need to provide some basic information about yourself and your finances.

See also  What is Electronic Money Transfer Levy in Nigeria Banks?

Once you’re approved for a loan, you’ll be able to choose how much money you’d like to borrow.

What If I Already Have An Account On Opay?

If you already have an account on Opay, you can simply log in and go to the Borrow section.

Here, you will be able to see all the different options for borrowing money. You can choose how much money you want to borrow and for how long, and then confirm your loan.

Once your loan is approved, the money will be deposited into your account within 24 hours. You’ll also receive notifications about when your payments are due.

When it comes time to pay back the loan, you’ll automatically get a notification from Opay with the details of when and where to make your payment.

Can I borrow money on Opay without BVN?

If you’d like to borrow a loan from Opay without BVN, you can do that. All you need is to follow the steps listed earlier and make your request. However, the amount you’ll be able to borrow will be small until you link your BVN.


I hope this post on how to borrow money from Opay has helped you. If you have additional questions on how to get a loan from this app please comment and I’ll reply to you as soon as possible.

All rights reserved. Do not copy, rewrite or republish this content, in part or in whole, without proper credit to the source.

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About the Author: Femi Olawole

Femi Olawole is a seasoned blogger with interest on providing helpful Contents on online loan apps, Tech and Business.


  1. I have dialed the code for recharge card
    N it’s telling me
    The service is temporary unavailable for now
    Every time it will never go
    Sometimes it will tell me
    Dear customer the service will be delivered shortly
    Very useless bank called opay🧟🧟🧟

  2. Hello I want to borrow money on opay but I don’t know how to borrow because my bvn is not corresponding with the number that I use to open opay

    1. Hello, Praise.
      Maybe the platform for opay loan code is down at the moment. In that case, I’ll suggest you download opay app and make your loan request from there. If you have any further questions, you can ask and I’ll respond as soon as possible.

    2. That’s either because you don’t have enough airtime on your phone or your number isn’t associated with ang opay account. If the former is the case, I’ll advise to recharge at least 100 naira on your number and try again. Remember the opay code is *955#

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