---
title: "Credit Direct: Loan App in Nigeria"
description: "Get BNPL credit up to ₦1,000,000 in Nigeria, repay over time, save on fixed/flexible plans and earn up to 21% p.a., plus bill pay."
canonical_url: "https://liners.com/credit-direct"
markdown_url: "https://liners.com/credit-direct.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/credit-direct/screenshot.png?v=1782144573162"
published_at: "2026-04-29T20:44:07.966Z"
updated_at: "2026-09-22T20:01:06.885Z"
---

# Credit Direct: Loan App in Nigeria

Get BNPL credit up to ₦1,000,000 in Nigeria, repay over time, save on fixed/flexible plans and earn up to 21% p.a., plus bill pay.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Credit Direct](/credit-direct)

## Summary

Borrow, pay over time, and earn interest in one app

A Nigeria-focused finance app for individuals and businesses to access personal loans, buy now pay later credit, bill payments, and interest-earning savings.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.creditdirect.ng/ |
| Tagline | Borrow, pay over time, and earn interest in one app |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Personal Finance](/tags/personal-finance): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/credit-direct/alternatives)
- [Reviews](/credit-direct/reviews)
- [Transparency](/credit-direct/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/credit-direct)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)