Without Internet connection, you can borrow money from OPAY using a USSD code. The OPay loan code is a USSD code that allows you to apply for loans directly from OPay without needing the fintech app. All you need to do is dial the USSD code on your OPAY registered number.
To use the OPay loan code, dial *955#, then follow the on-screen instructions to check available loan options, review terms, and proceed with your loan applications.