Mini loans without payroll or endorsement, only ID [2020]

How to apply for a loan with only the DNI (National Identity Document) or NIE (Foreigner Identity Number) in Nigeria, is the query that has reached our email

We have asked its author for permission to let us publish your question about getting a credit with only your ID , anonymously. The name and city of the consultant have been changed to respect this anonymity.



If you are thinking of applying for a loan online and take advantage of speed, security and solvency of the main online financial companies, visit our section of fast mini-credits

Are you in Nigerian Financial Authority? No problem:

Then visit our comparison of entities that grant Microcredits with Nigerian Financial Authority


Mini loans with only ID. Your keys summarized

If, like the user who sent us to El Dinero Rá, the query about the mini credits that are contracted with the DNI you are looking for information about them, you are interested in everything that we are going to tell you.

  • The most important thing to bear in mind if we are interested in obtaining this service is that currently it is not possible to obtain a loan using only a DNI or NIE as documentation.
  • In order to complete our loan application, the DNI is an essential part, although it will be necessary to provide some more documentation.
  • An example of this is an extract from our bank account (to verify that we are the holders of it as well as its associated data) and a proof of regular income.
  • This applies to all types of loans that can be contracted, such as credits in which the Nigerian Financial Authority or RAI is not taken into account.

We must remember the following:

You can get money with our ID. However, a little more personal information and documents are required to be able to carry out the operation successfully and without this affecting the speed to complete the process and have the loan amount available in a matter of minutes.

Finally and in response to the query that our user sent us (and that we also share with you below), we tell you what are the alternatives that we have at our disposal to be able to get loans using our ID, so that we know directly what options we have and which are the entities that we have to take into account when choosing.Mini crédito utilizando solo DNI

We leave you now with your email, on how to obtain fast credits with only the DNI or NIE.

Our reader writes us the following:

Subject: how do I get a loan with just my DNI


Dear friends of El Dinero Rápido, my name is Alexandra, I am writing to you from Lagos and I am writing to you with the hope that you will help me to resolve all the doubts that have arisen when requesting for the first time a fast loan with only the DNI, because there are many aspects of this procedure that I do not know. There is always a first time for everything!

creditos solo DNI NIE

I have visited different web pages, both informative, and belonging to financial companies that offer this type of loan with only the DNI or the NIE if you are a foreigner, and the truth is that the existing offer is overwhelming for newbies like me, who do not have a lot of idea. However, what worries me is that I have not been able to find specific information that clarifies whether, in my current situation, I meet the required profile to be able to access mini loans only DNI , exactly under the conditions that interest me.

How do you get money just with your DNI?

The fact is that, like the vast majority of profiles that go to this type of financial institution in search of money already , I have been surprised by a sudden expense that I cannot cope with with my current income: I have been invited to the wedding of a close relative to whom I have a lot of affection and I need urgent money, let's say a loan of approximately 400 euros, perhaps a loan of 300 euros will serve me, to be able to both travel to the place of the event, and buy a dress and pay the covered one, among other derivative expenses.


I have been trying to cut my monthly income somewhere, but I see that I will not be able to cope with the expense, because I am already fair enough to make it to the end of the month, so the most appropriate solution that I have come up with has been resort to one of these mini loans only DNI that, according to many opinions that I have read, can be obtained online very easily and then repaid comfortably.

However, in my current situation, since I am unemployed and I am collecting unemployment benefits, I do not know exactly if I meet the required profile to be able to apply for one of these credits for the unemployed .

As I have already mentioned, I am collecting unemployment, and I have exactly 7 months to end the benefit, so in this aspect, when it comes to showing that I have monthly income, there would be no problem of any kind.

I am in Nigerian Financial Authority

In addition, I believe that I am at the Nigerian Financial Authority due to a series of small defaults that I missed a few years ago, which I do not know if it will also be a problem when it comes to taking out a quick loan. Is there a financial institution to which you can request a loan with delinquency for a small amount, only with the DNI?

It may interest you: To see LOANS WITH Nigerian Financial Authority CLICK HERE

Reviewing the requirements of different financial institutions I have been able to see that some require both endorsement and payroll, two things that I lack, since as I mentioned above, I am unemployed and collecting unemployment benefits, as well as I do not have any type of guarantee .

"I'm not sure which option to choose"

The fact is that after looking for a lot of information on the Internet I am in a mess, there are many financial companies that offer very fast loans and that could offer me the money I need, but nevertheless to be able to assess my application they require a lot of documentation, thus as they do not accept profiles that have been included in delinquency lists (as I suspect is my case).

My greatest interest is to expedite the process as much as possible, since it is quite urgent for me to get the 400 euros mentioned and to be able to settle this matter as quickly as possible.

So, I would like to know if there is any financial company associated with fast money that offers loans by showing only the ID , without the need for more documents. If you could advise me on how to get a loan with only the identity card (or the NIE), or which financial company I should turn to, I would be very grateful.

I am sure that as experts in this type of finance company, you can help me find the best solution to this problem.

Thank you so much for your attention!

A greeting.

Our answer about getting a mini-credit only with the DNI or NIE

Today: loans without payroll or endorsement, only DNI

Hi Alexandra,

First of all, thank you for writing to us and trusting us to solve your question about loans with the National Identity Document .

Dinero con el DNI o NIE
Money with the DNI or NIE

Below we offer you the information you required, which we hope will be of help to you.

First, you tell us that you are unemployed, collecting a benefit of which you currently have seven months remaining.

Although the most common is that, in the case of being in files, for example, personal loans are requested with the Nigerian Financial Authority , this is not an insurmountable problem to be able to access a quick loan, since in the vast majority of this type of finance companies the only thing that they are going to ask the client (and there are even some in which it is not necessary, although it is not usual) is that they can demonstrate that they have a series of monthly income , no matter where they come from , since be it a pension, a payroll or, as is your case, an unemployment benefit. You may be interested in our post about loans to repay in months

Nigerian Financial Authority? There is no downside

Secondly, you also tell us that you have any outstanding debt, and you suspect that you may be on the Nigerian Financial Authority lists. This would not be a serious inconvenience to not be able to opt for a loan, since there are different financial companies that accept clients with outstanding defaults and offer microcredits with the Nigerian Financial Authority.

We take this opportunity to remind you that you can also consider the option of applying for a credit or debit card, although at this time they are not granted (generally) with the Nigerian Financial Authority. There is also the possibility of getting money through loans without a card

Finally, you also ask us if it would be possible to request a microloan presenting only the Identity Document (DNI or NIE) as documentation, for which we regret to tell you that, although in most financial institutions of this type the documentation required is minimal , not only the national identity document is useful .

One of the positive assets that have made this type of credit such a popular and easy product to acquire is precisely the little paperwork required to apply, but within that minimum, the presentation of only a DNI card or NIE, it would not be enough.

For now, as the minimum documentation that they will request to assess your profile when requesting a loan, it is, apart from the national identity document, that you provide an account number, a telephone number, as well as a proof that justifies that you are actually receiving a monthly unemployment benefit.

To end our answer

Therefore, if what you want is to apply for a loan with only the card or the NIE , we cannot give you any financial one to turn to, since they all require a minimum documentation to be presented by the client, although you see that it is not a lot.

Tips for applying for loans only with ID

As we have informed Alexandra, applying for quick credits only with ID today is impossible, since they always ask and require you –as is normal to think- many other information papers.

You have to think that the online microcredit granting entities have to have more information about the user to whom they lend money than just a DNI.

In addition, it is also a form of user protection and therefore something more than our ID will be needed.

By providing personal information that will be verified before proceeding to process our loan, we will be betting on responsible use and security on the Internet when requesting services associated with financing.

Returning to the mini-loan sector, we have to go a little further: nobody gives money for nothing.

Responsible use applies

From El Dinero Rápido we want to appeal to the responsibility and sanity of our users. For us, for the team of this website, the most important thing is user satisfaction and for this reason we want to warn you that, as in many other worlds, in the world of granting mini credits there may always be some “savvy company”.

It is possible that if Alexandra, in this case, continued looking for companies that granted her mini credits only with ID , she would end up finding her. But at what cost? There would be many ballots for that supposed company to be a scammer.

With this we do not want to scare you. We just want to ask you to inform yourself, that when you have several companies in your hands that grant you the quick mini credit that you are looking for, that you buy them - we ourselves have several financial comparators so that you can decide which one best suits your situation-, that you see what demands are asked of you, what requirements, etc. -Here you can see how no credit would be granted only with ID .

Information, our best ally

Therefore, keep a cool head when contracting any quick mini credit . We know that with the current economic situation of the country, any unforeseen event can be the cause of a specific financial need, which you do not have at that time and you have to ask for help. And we also know that many of us may be in the Nigerian Financial Authority for a thousand reasons, or be without a payroll or without a guarantee, but above all, we cannot allow our situation to get worse by hiring the first thing we find without informing ourselves, comparing and investigating the requirements that are required of us, that no one grants loans with only ID .

We hope that we have helped you to solve all your doubts and that from now on you have a little clearer everything you need to be able to request your first quick loan.

About the Author

Percy Witherspoom Jones

Autor: Percy Witherspoom Jones feminaust.orgI have always been convinced of the great utility of new technologies. Professional totally dedicated to offering the best service to our users. Since 2013 I have specialized in online financial products. My job is to find the best way to inform you, offering you reliable, updated content that meets all your expectations. I am an administrator at


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