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(opens in a new tab)OKash
(opens in a new tab) Back (opens in a new tab)OKash
Other LenderFintech
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Go to Website (opens in a new tab)About OKash
OKash is a Nigerian digital lending platform and loan app operated by OPay Microfinance Bank Limited, a CBN-regulated financial institution. It provides instant personal loans and short-term credit to Nigerians through a fully digital mobile application. The platform is designed to offer fast, collateral-free loans with minimal paperwork, allowing users to apply and receive funds directly into their bank accounts within minutes after approval. OKash uses an automated credit scoring system based on BVN, banking activity, repayment history, and device data to assess eligibility.
Amount
₦3,000 - ₦1,000,000
Tenor
91 - 365 days
Min. approval time
24 hrs
Countries
Created on
May 2026
Last updated
May 2026
Requirements
The basic requirements to apply for a loan on OKash include:
- • Valid ID: National ID, voter’s card, driver’s license, or passport.
- • BVN: Required for identity verification and credit assessment.
- • Bank Account: Needed for loan disbursement and repayment.
- • Phone Number: Active mobile number for registration.
- • Smartphone Access: Android or iPhone required to use the app.
- • Age Requirement: Must be at least 18 years old.
- • Proof of Income: Stable income source may improve eligibility.
- • Credit Assessment: Approval depends on internal scoring and repayment behavior.
How to Apply
To apply for a loan with OKash, visit the lender's website and click on "Get Started." If you meet the eligibility criteria and agree with the terms, complete and submit the online application form.
Alternatively, you can download the lender's app on Google Play Store.
This lender claims it can approve applications on the same day they are submitted and disburse funds within 24 to 72 hrs.
