Credit Direct
A Nigeria-focused finance app for individuals and businesses to access personal loans, buy now pay later credit, bill payments, and interest-earning savings.
Credit Direct Product Overview
Is Credit Direct Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian borrowers
- Pay over time shoppers
What It Does Well
- Personal loans
- Buy now pay later
Things to Check
- Loan amounts offered
- Repayment terms
About Credit Direct
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 mobile app (download links are provided on the website) and web for product information and onboarding.
It targets Nigerian salary earners, including civil servants, and business users looking for BNPL checkout and business-focused fund growth tools.
Notable in the Nigerian market context, the service states it is licensed and regulated by the Central Bank of Nigeria (CBN), and it combines loans, BNPL, and interest-earning savings under one product suite.
Credit Direct Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataAs of Oct 5, 2026, Credit Direct is rated 4.0 on the App Store from 81 reviews and 4.4 on Google Play from 3.9K reviews with 500K+ installs.
Recent Reviews for Credit Direct
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Credit Direct Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source data
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Latest Credit Direct News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataJobs at Credit Direct
| Title | Posted |
|---|---|
| Sales Associate- Digital Personal Loan | Sep 29, 2026 |
| Sales Associate- Digital Personal Loan | Sep 29, 2026 |
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Frequently Asked Questions About Credit Direct
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.
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%.
Credit Direct operates in Nigeria.
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.
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.
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