Question 1

What is Credit Direct and how does it work?

Accepted Answer

Credit Direct is a Nigerian digital finance platform that lets you borrow money through personal loans, buy now pay later credit, send and receive money, pay bills, and earn interest on savings. You download the mobile app, create an account using your name and phone number, and then access features like loans, bill payments, money transfers, and investment plans called Yield that earn up to 21% annually.

Question 2

How much does Credit Direct cost?

Accepted Answer

Credit Direct's core services are free to use. You can open a wallet and send money at no cost, earn 10% annual interest on wallet balances, and buy airtime or data. Investment plans through Yield (Fixed and Flex options) have no stated fees, though withdrawing more than four times monthly from Flex Yield reduces that month's interest by 20%.

Question 3

What countries does Credit Direct operate in?

Accepted Answer

Credit Direct operates in Nigeria.

Question 4

How do I sign up for Credit Direct?

Accepted Answer

Download the Credit Direct Mobile app from the Apple App Store or Google Play Store, tap Create Account, enter your first name, last name, phone number, and email, then verify with the 6-digit OTP sent to you.

Question 5

Does Credit Direct have a mobile app?

Accepted Answer

Yes, Credit Direct has a mobile app available on both iOS (Apple App Store) and Android (Google Play Store). You can also access some features through the web portal at portal.creditdirect.ng.

Question 6

Who is Credit Direct best suited for?

Accepted Answer

Credit Direct is best suited for Nigerian salary earners (including civil servants in federal, state, and paramilitary roles, as well as private sector employees) and business users who want to access personal loans, use buy now pay later shopping, make bill payments, and grow savings through interest-earning investment plans.

Question 7

How do I contact Credit Direct support?

Accepted Answer

You can contact Credit Direct support by calling 0700CREDITDIRECT, 02014482225, or 02017005120. You can also chat with their support team on WhatsApp at 09070309430.

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