---
title: "Lucred: Buy Now Pay Later and Credit Line — Fees"
description: "Get up to ₦500,000 revolving credit in Nigeria to shop at 1000+ vetted merchants online or in-store, then repay over time with daily APR interest."
canonical_url: "https://liners.com/lucred"
markdown_url: "https://liners.com/lucred.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/lucred/screenshot.webp?v=1776733304829"
published_at: "2026-04-21T15:52:25.865Z"
updated_at: "2026-09-12T22:03:12.911Z"
---

# Lucred: Buy Now Pay Later and Credit Line — Fees

Get up to ₦500,000 revolving credit in Nigeria to shop at 1000+ vetted merchants online or in-store, then repay over time with daily APR interest.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Lucred](/lucred)

## Summary

Shop with a flexible credit line and repay over time

A digital credit platform for Nigerians to get up to ₦500,000 in revolving credit, spend at 1000+ vetted merchants, and repay over time with daily APR interest.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.lucred.co/ |
| Tagline | Shop with a flexible credit line and repay over time |
| Primary country | Nigeria |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Lucred is a digital credit platform for individuals in Nigeria who want a flexible revolving credit line to pay for purchases online or in-store and repay over time.

Key capabilities include:

- **Revolving credit lines up to ₦500,000** that can be used across **1000+ vetted merchants**, including in-store purchases and third-party websites
- **Fast application and approvals** that analyze user data to provide decisions in minutes, without lengthy paperwork
- **APR-based repayment with daily interest calculation**, allowing users to settle dues anytime; the platform also rewards timely repayment with **cash back and points**
- **Planning tools** such as an **interest calculator** and **budget calculator** to help customers estimate costs and manage spending

Available on **Android, and iOS**.  
  
It targets **B2C consumers** seeking shopping credit and **B2B merchants** that want to offer buy-now-pay-later financing at checkout, operating through a **B2B2C model**.

Notable in the Nigerian market context, it operates as a fintech (not a bank) and provides credit services through licensed partners such as **Grooming MFB** (CBN and NDIC insured). It also supports a merchant program with **1000+ pre-signed merchants** and positions a **debit card** as coming soon.

## Features

- [Fintech](/categories/fintech): Category
- [B2B2C](/tags/b2b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

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

## Access and citation

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