Business and Finance

Payday Login With Phone Number, Email, Online Portal, Website

Payday stands out as one of the prominent loan apps in Nigeria, offering users a convenient and efficient way to access loans. The login process plays a crucial role in ensuring users can manage their accounts seamlessly. This guide explores the steps involved in Payday login with a focus on phone numbers, shedding light on the absence of email, online portal, and website login options.

Payday Login with Phone Number

The process of logging into the Payday loan app using your phone number involves several straightforward steps.

Open The Payday App

To begin, download and install the Payday app from your smartphone’s app store. Once installed, launch the app on your phone.

Click Login

Within the app, locate the Login option and click on it.

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Enter Your Phone Number

Input your registered phone number in the provided field. This should be the number associated with your Payday account.

Verify Your Identity

After entering your phone number, a verification code will be sent via SMS. Replicate the code back to the app to confirm your identity.

Access Your Account

Tap on the Submit button, and if all details are correct, you should be successfully logged into your Payday account.

Payday Login with Email Address

Contrary to many applications, Payday does not offer the option to log in with an email address. Users are required to use alternative methods, such as their registered phone number, for authentication. While email-based login is a common feature in various apps, Payday has chosen to prioritize other authentication methods.

Payday Login with Online Portal

Payday does not provide an online portal for login purposes. Users are restricted to accessing their accounts and managing their loans exclusively through the Payday app. The absence of an online portal emphasizes the platform’s focus on app-based transactions and services.

Payday Login with Website

As of the latest information available, Payday does not have a recognized website for login purposes. The primary avenue for accessing Payday services is through the official app, which users must download and install on their mobile devices. The app facilitates account creation, login, and various account management functions.


How do I create a payday account?

To create a Payday account, start by downloading the app, then sign up, verify your email, and complete your KYC (Know Your Customer) process. Set up your virtual card and fund your Payday account from your local bank. Additionally, ensure to fund your virtual card within the app.

Can payday be linked to PayPal?

Yes, you can connect PayPal and Payday using Zapier. This integration allows you to streamline various aspects of your business, from basic data entry to end-to-end processes, enhancing efficiency and connectivity between the two platforms.

Does payday require BVN?

Yes, Payday requires you to sign up using only your BVN (Bank Verification Number) and a selfie. This ensures security, prevents impersonation, and helps protect your account from unauthorized access.

Can I use payday in Nigeria?

Absolutely, Payday is a prominent virtual dollar card provider in Nigeria. You can leverage your Payday virtual dollar card to conduct various transactions, including sending and receiving money, making online purchases, and engaging in international transactions on platforms such as Facebook, Spotify, Amazon, Ali Express, and Netflix.

How do I access my access bank payday loan?

Accessing your Access Bank payday loan is convenient. Dial 90111# or 42611# to request an instant loan. Alternatively, you can use Internet Banking, WhatsApp Banking, Access Mobile App, or QuickBucks App to apply. No documentation or collateral is required, and you can enjoy low-interest rates.

How can I borrow money with my BVN number?

To borrow money using your BVN, various lending platforms such as FairMoney, Branch, Carbon, Alat By Wema, Aella Credit, QuickCredit, PalmCredit, and Lendigo utilize your BVN for identity verification. This enables them to assess your creditworthiness and offer loans without extensive documentation.

Can I withdraw money from my account if my BVN is blacklisted?

If your BVN is blacklisted, check the Central Bank of Nigeria’s official website for your status. Blacklisting implies irregularities or fraudulent activities, leading to restrictions on financial transactions and withdrawals. To resolve this, address the flagged issues with your bank to regain full access to your account.

Can someone use my BVN to borrow money from a loan app?

While lenders may use your BVN for identity verification, it alone cannot be used to access or manipulate your bank account. BVN serves as a safety measure for lenders to confirm your identity and assess creditworthiness, but it doesn’t grant unauthorized access to your funds.

How can I remove my name from bank blacklist?

To clear your name from a bank blacklist, start by paying off the debt owed. Contact your lender to discuss payment options, especially if you’re facing financial challenges. Demonstrating a commitment to resolving the debt is crucial for improving your credit standing and removing your name from the defaulter list.

Can my BVN be banned?

Yes, a BVN can be blacklisted if the owner fails to repay a loan. Non-repayment of borrowed funds from a bank or financial institution may lead to BVN blacklisting, preventing access to further loans and negatively impacting the individual’s credit score.

Can I block my BVN and do another one?

Deactivating or blocking your BVN in Nigeria is not possible. The BVN is a unique identifier linked to your personal banking information for authentication purposes. It cannot be replaced or recreated, ensuring the security and uniqueness of each individual’s financial identity.

Can a loan app lock my phone?

Yes, some predatory digital lenders may go to extreme measures such as locking the devices of defaulting debtors. During the sign-up process, users often grant permissions that allow these platforms to take actions like device locking in case of non-repayment. This emphasizes the importance of carefully reviewing and understanding the terms and conditions before using any loan app to avoid potential risks.


Payday loan app offers users a streamlined login process primarily focused on the use of phone numbers for authentication. The absence of email, online portal, and website login options reflects the platform’s commitment to a mobile-centric approach. Users are encouraged to follow the steps outlined in this comprehensive guide to ensure a secure and hassle-free Payday login experience. 

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