What is Credit Direct and how does it work?

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.

How much does Credit Direct cost?

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%.

What countries does Credit Direct operate in?

Credit Direct operates in Nigeria.

How do I sign up for Credit Direct?

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.

Does Credit Direct have a mobile app?

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.

Who is Credit Direct best suited for?

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.

How do I contact Credit Direct support?

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

Credit Direct: Overview, Features, Pricing & Funding

Use it on:Web Android· 4.4

Credit Direct is a Nigeria-focused digital finance platform for individuals and businesses to access credit, make payments, and grow savings.

Key capabilities include:

Personal loans for different salary groups, including private sector, federal, state, and paramilitary loan categories
Buy Now, Pay Later via Checkout, offering credit (up to ₦1,000,000 as stated on the site) to shop with supported merchants and repay over time
Fund management and savings through Yield, with options described as flexible or fixed plans and advertised returns of up to 21% per annum
Payments and transfers, with in-app prompts to pay bills and send money

Available via (download links are provided on the website) and for product information and onboarding.

Title	Location	Posted
Business Process Improvement & Automation Intern	Lagos, Lagos, Nigeria	Jun 15, 2026
Head Of Operations	Lagos, Lagos, Nigeria	Jun 15, 2026
Junior Data Analyst- Digital Personal Loans	Lagos, Lagos, Nigeria	Apr 30, 2026
Senior Backend Engineer (.Net)	Lagos, Lagos, Nigeria	Apr 27, 2026
Database Support Officer	Lagos, Lagos, Nigeria	Apr 27, 2026

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Frequently Asked Questions About Credit Direct

What is Credit Direct and how does it work?

How much does Credit Direct cost?

What countries does Credit Direct operate in?

How do I sign up for Credit Direct?

Does Credit Direct have a mobile app?

Who is Credit Direct best suited for?

How do I contact Credit Direct support?

Products similar to Credit Direct

Products similar to Credit Direct

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