Best Loan Apps That Pay to OPAY Wallet in Nigeria (2025 Trusted Guide)

Need a loan that drops directly into your OPay wallet?
You’re not alone.

With more than 40 million Nigerians using OPay for transfers, airtime, and daily spending, borrowers increasingly ask:

👉 “Which loan apps pay to OPay?”

Here’s the truth: OPay accounts are bank accounts powered by BlueRidge Microfinance Bank (Paycom/Opay). That means loan apps don’t always show “OPay” as an option. Instead, you’ll often see BlueRidge MFB or Paycom in the bank picker.

In this trusted 2025 guide, we’ll show you:

• ✅ The best loan apps that support OPay payouts.

• ✅ How to correctly set up OPay as your bank account.

• ✅ Which apps are CBN-licensed, FCCPC-approved, or both.

• ✅ APR examples and red flags to avoid.

Disclaimer: This guide is for educational purposes only. Always verify licensing and loan terms before borrowing.

How OPay Loan Payouts Work

If you’ve ever tried applying for a loan inside a mobile app, you’ve probably noticed this:

“OPay” doesn’t always appear in the bank list.
Instead, you’ll often see:

• BlueRidge Microfinance Bank

• Paycom (older system name for OPay)

Your OPay wallet functions as a licensed bank account under BlueRidge MFB with NUBAN support. When you choose BlueRidge/Paycom and enter your OPay account number (which is the same as your phone number), the system deposits the funds straight into your OPay wallet.

Two ways loan apps connect with OPay:

1. Native Integration

   • Some apps—such as older versions of OKash—display “OPay Wallet” or let you settle instantly within the OPay app.

2. Manual via Bank Picker

   • Most apps let you select BlueRidge MFB or Paycom from the bank dropdown.

   • Once approved, funds disburse like any other bank transfer — showing up in your OPay balance.

Why Borrowers Prefer OPay Loans

• Fast access: No delays with interbank clearing.

• No traditional bank needed: Perfect for students, traders, freelancers, or anyone “unbanked.”

• Seamless spending: Repay loans, buy airtime, pay bills, or send money — all from one app.

Top Picks: Best Loan Apps That Pay to OPay Wallet

If you’re in a hurry, here are the 3 most reliable loan apps we tested that disburse to OPay (via BlueRidge/Paycom).

🔥 Our Top 3 Picks

1. OKash – Fastest to OPay

• ✅ Backed by BlueRidge Microfinance Bank

• ✅ Loans: ₦5,000 – ₦50,000

• ✅ APR: ~36%–360% (example: borrow ₦10,000, repay ₦12,400 in 91 days)

• ✅ Payout Path: Native + Bank transfer (BlueRidge/Paycom)

• Approval Time: ~3 mins

2. EaseMoni – Best for Mid-Range Loans

• ✅ Loans: ₦10,000 – ₦500,000

• ✅ APR: ~60%–120% (example: ₦20,000 for 90 days = ₦26,000 repayment)

• ✅ Payout Path: BlueRidge/Paycom (works with OPay account)

• ✅ Licensed by CBN (via BlueRidge MFB)

• Approval Time: ~5 mins

3. FairMoney – Most Flexible for Salaried Users

• ✅ Loans: ₦20,000 – ₦500,000

• ✅ APR: ~30%–260% (example: ₦30,000 for 3 months = ₦39,000 repayment)

• ✅ Payout Path: Any bank (choose BlueRidge MFB for OPay wallet)

• ✅ Licensed by CBN (FairMoney MFB, NDIC-insured)

• Approval Time: ~1 hour

Always choose BlueRidge MFB or Paycom as your bank, then type in your OPay account number (the same as your phone number) to complete the process.

Loan Apps That Pay to OPay Wallet (2025 Comparison)

Below is a side-by-side breakdown of the most popular apps that support payouts to OPay wallets (via BlueRidge MFB/Paycom).

We display the APR in annualized terms to comply with Google’s rules, and we also provide practical repayment examples to help users understand.

📊 Best Loan Apps That Pay to OPay (2025)

Nigerian loan apps often promote monthly interest rates of 10–30%, yet international regulations demand they disclose the Annual Percentage Rate (APR), the real yearly cost of borrowing.

Note: If you see “Paycom” or “BlueRidge MFB” in the bank list, that’s your OPay account option. Always double-check that you typed your OPay phone number correctly.

How to Receive a Loan in Your OPay Wallet (Step-by-Step Guide)

Getting your loan disbursed into an OPay wallet is simple once you know the correct setup. Here’s the process borrowers in 2025 should follow:

📝 Step-by-Step Process

1. Download a Licensed Loan App

• Go to Google Play Store and install a CBN-licensed loan app (avoid APK links or apps not listed on Play Store).

2. Register & Verify Your Identity

• Sign up using your phone number.

• Provide BVN + NIN (some apps may allow small “trial loans” without full KYC, but higher amounts require it).

3. Apply for a Loan

• Choose the amount and repayment duration.

• Review the interest rate & APR before you accept.

4. Select OPay as Your Bank

• In the bank picker, select:

  • BlueRidge MFB (current name), or

  • Paycom (older system name still in some apps).

5. Enter Your OPay Account Number

• Your OPay account number = the phone number linked to your OPay wallet.

• Double-check digits to avoid failed transfers.

6. Submit and Wait for Approval

• Apps like Okash/EaseMoni → ~3–5 minutes.

• Apps like FairMoney → may take up to 1 hour.

7. Check Your OPay Wallet for Alert

• Once approved, you’ll receive an instant credit alert in your OPay app balance.

• From there, you can:

  • Repay the loan directly,

  • Pay bills,

  • Send money,

  • Or withdraw to cash via an OPay POS agent.

Loan Apps That Pay to OPay Wallet

1. OKash – Fastest OPay Loan App

⭐ Verdict: Best for quick, small loans with instant OPay disbursement.

✅ Pros:

• Native OPay integration (for the smoothest experience).

• Approval within 3–5 minutes.

• Backed by BlueRidge MFB, licensed by CBN.

❌ Cons:

• High APR on longer tenures (can reach 300%+ annualized).

• Loan amounts are usually capped low for first-timers.

• Apply for an OKash loan here

2. EaseMoni – Best for Mid-Range Borrowers

⭐ Verdict: Reliable for students, traders, and freelancers who need ₦20k–₦200k.

✅ Pros:

• Strong track record with Nigerian users.

• Easy to set BlueRidge/Paycom → OPay transfer.

• Transparent fees inside the app.

❌ Cons:

• APR can be steep if you extend repayment.

• Some complaints about reminders if you miss due dates.

• Apply for EaseMoni here

3. FairMoney – Most Flexible for Salaried Workers

⭐ Verdict: Ideal for people with salary inflows or higher credit scores.

✅ Pros:

• Offers higher loan ceilings (₦500k+).

• Disburses to OPay via bank picker.

• Licensed microfinance bank (CBN + NDIC insured).

❌ Cons:

• Slower approval (up to 1 hour).

• Strict on BVN/NIN verification.

• Apply for FairMoney here

4. QuickCheck – Smooth User Experience

⭐ Verdict: Balanced app, great for ₦10k–₦50k range.

✅ Pros:

• Quick approval (usually within 5 minutes).

• Easy repayment setup inside the app.

• Recognizes BlueRidge → OPay without issues.

❌ Cons:

• APR is similar to others (up to ~200%).

• Loan limit grows slowly unless you repay consistently.

• Apply for a QuickCash loan here

5. Aella Credit – Wider Loan Range

⭐ Verdict: Good for established borrowers who need ₦50k–₦200k.

✅ Pros:

• Loans up to ₦1M (rare among wallet-compatible apps).

• Supports BlueRidge manual entry → OPay payout.

• Available across Nigeria and some West African markets.

❌ Cons:

• Approval can take 30+ minutes.

• Interest rates are on the higher side.

• Apply for an Aella Credit loan here

6. Palmcredit – Works, but No Native OPay

⭐ Verdict: Backup option if others don’t approve you.

✅ Pros:

• Large user base in Nigeria.

• Quick to release funds (10 mins).

• Transparent repayment calculator in the app.

❌ Cons:

• No direct OPay integration — must select bank option.

• Interest can stack fast (14–24% monthly).

• Apply for Palmcredit here

Red Flags: What to Avoid in Loan Apps

Not every app that claims to “pay to OPay” is safe. Many fake or illegal loan apps are still active in Nigeria. Here are the red flags to watch out for:

🚩 1. Loan Apps Not on Google Play Store

• Many scam apps circulate as APK files on Telegram or WhatsApp.

• If it’s not on the Play Store → avoid it.

🚩 2. No Visible CBN License

• Every legal app must operate under a licensed microfinance bank (like BlueRidge MFB, FairMoney MFB).

• If no license number or microfinance bank name → red flag.

🚩 3. Apps That Request Access to Photos/Contacts

• Legitimate loan apps only need basic permissions (SMS, storage for receipts).

• If they want your gallery or full contact list, they’re likely planning harassment.

🚩 4. Harassment & “Shaming” Complaints

• Fake apps still send defamatory SMS to borrowers’ contacts when you delay repayment.

• CBN & FCCPC have outlawed this, but shady apps ignore the law.

🚩 5. No Privacy Policy or Support Page

• If an app has no website, no customer service number, and no privacy policy, do not use it.

• Always stick with apps that display their terms clearly.

💡 Quick Safety Checklist (Always Follow):
✔ Only download from the Google Play Store
✔ Confirm CBN or FCCPC license on the app’s website
✔ Check user reviews for harassment complaints
✔ Never share personal photos or unrelated permissions
✔ Use the OPay option only with verified providers

Can You Get a Loan Without BVN Using OPay?

Yes, but with limits.

Most OPay-compatible loan apps now require BVN + NIN for proper verification. This is because CBN regulations mandate identity checks to reduce fraud. However, a few apps still allow trial loans or very small amounts without BVN.

📊 Loan Apps With/Without BVN Requirement

Risks of Borrowing Without BVN

• Lower Loan Amounts: You’ll likely be capped at ₦5k–₦10k until you provide BVN.

• Higher Interest: Non-BVN users may face higher rates because the app sees them as “high risk.”

• Blocked Access: Some apps eventually require BVN before repeat borrowing.

• Data Privacy Issues: Unlicensed apps that claim “no BVN needed” often misuse personal data.

Note: If you’re serious about borrowing, it’s safer to provide BVN + NIN with CBN-licensed apps. They don’t use your BVN to withdraw money directly — it’s only for ID verification.

Who Should Use Loan Apps That Pay to OPay?

Not every Nigerian needs a loan app that supports OPay. But for certain groups, it’s a game-changer because it removes the barrier of having a traditional bank account. Here are the key categories:

👩‍🎓 Students Without Bank Accounts

• Many students don’t have access to formal banking yet.

• With OPay, they can borrow small amounts for data, school projects, or living expenses.

🛒 Market Traders & Small Shop Owners

• Traders often need quick cash flow to buy goods early in the morning.

• OPay wallet loans mean no waiting in bank queues — just withdraw at a nearby POS agent.

💻 Freelancers & Gig Workers

• Writers, designers, and delivery riders rely on instant funds.

• With OPay-linked loans, money arrives even at midnight or on weekends.

👩‍🌾 Market Women in Rural Areas

• Many rural women only trust wallet apps like OPay.

• Loan apps that pay directly to OPay help them avoid banking stress while staying financially included.

🏪 Small Entrepreneurs Without CAC

• Some small businesses run informally (no CAC registration, no corporate bank account).

• Loan apps supporting OPay allow them to scale gradually without the burden of traditional paperwork.

Loan App Performance (Our Test Results)

We didn’t just list these apps — we tested them with real loan requests to check speed, reliability, and OPay wallet disbursement.

Here’s how each app performed in 2025:

📊 Loan App Test Results

Key Insights from Our Tests

1. OKash = Fastest → funds arrived in OPay wallet in under 5 mins.

2. EaseMoni = Most Reliable → consistent approval + quick credit.

3. FairMoney = Flexible but slower → better for bigger loans, not urgent needs.

4. QuickCheck = Balanced → quick approval, clean repayment system.

5. Palmcredit = Backup option → works, but not truly OPay-native.

Note: If you need emergency funds within minutes, OKash and QuickCheck are your best bets. For larger loans, FairMoney is more suitable — even if you wait longer.

FAQs – Loan Apps That Support OPay Wallet

Can I get a loan directly into my OPay wallet?

Yes. Apps like OKash, EaseMoni, QuickCheck, and FairMoney disburse directly to OPay (either through native integration or via BlueRidge MFB/Paycom).

What if the loan app doesn’t list “OPay”?

Don’t worry. Choose BlueRidge Microfinance Bank or Paycom in the bank list. Enter your OPay account number (same as your phone number). Funds will still land in your wallet.

Do I need a BVN to borrow with OPay?

Most apps now require BVN + NIN for proper KYC. Some (like OKash or QuickCheck) still offer trial loans of ₦5k–₦10k without BVN. For larger amounts, BVN is mandatory.

Is OPay a real bank account?

Yes. OPay operates under BlueRidge Microfinance Bank, licensed by CBN. Your OPay wallet is NUBAN-enabled (just like GTBank or Access Bank accounts).

Are loans from OPay-supported apps safe?

Yes — if you stick with CBN-licensed apps from the Play Store. Avoid shady apps that demand access to photos/contacts or are not listed on official stores.

Can I repay loans directly from OPay?

Yes. Most apps allow repayment through OPay balance or via a linked debit card. With OPay wallet loans, repayment is seamless.

What happens if I don’t repay my loan?

Your credit score will drop, and you may be reported to the Credit Bureau. Some shady apps resort to harassment (sending messages to your contacts). Always repay on time and only borrow what you can manage.

Can I borrow without NIN using OPay?

Some apps allow it, but it’s rare in 2025. At best, you’ll get very small trial loans. For sustainable borrowing, you’ll need NIN + BVN.

Which loan app is best for emergency cash via OPay?

From our tests → OKash and QuickCheck were fastest. Both credited our OPay wallet in under 5 minutes.

Which app is best for larger loans into OPay?

FairMoney and EaseMoni provided the largest amounts (₦200k–₦500k), though disbursement took slightly longer.