Credit Direct: All your money moves in one app
The Credit Direct app gives you secure access to the financial tools you need to borrow, pay, and grow your money, all in one simple app.
* Send, Receive & Earn Interest on your Wallet Balance
- Send and receive money with zero transfer fees.
- Earn 10% p.a. on your wallet balance.
* Apply, Track, and Manage your Loans with Ease
- Apply digitally, no agent needed.
- Track and repay all loans in minutes.
- Available to salaried employees, federal and state civil servants freelancers, and more.
* Grow Your Money with Yield (Up to 21% p.a.)
- Fixed Yield: Fixed Yield allows you set money aside for a defined period while earning attractive returns. Structured for long-term goals like rent, car purchase, wedding plans, etc. Lock funds for 1–12 months, earn up to 21% p.a. (₦50,000 minimum investment).
- Flex Yield: With Flex Yield, you can earn returns while still having some access to their money. Fund your Flex Yield with ₦50,000 and above and earn 15% p.a, with interest paid into your Flex Yield wallet on the first day of every month. You can also access up to 4 free withdrawals per month.
- Target Yield — Put aside money in small amounts over a period to fund a specific goal, whether it is a vacation or for school fees. Contribute as little as ₦1,000 daily, earn 15% p.a when you meet your goal.
- Gift a Yield — Give someone an investment plan. It is a thoughtful and practical way to appreciate loved ones while helping them grow money. The recipient earns up to 21% per annum once the gift is claimed.
* Pay Bills & Buy Airtime/Data
- Pay electricity bills, cable TV, and buy airtime/data for yourself or loved ones in a few taps.
Customer Support
Get answers to all your questions 24/7 from CLARA. On the app, simply select Account > Settings > Need help? To reach CLARA on all available channels.
Secure & Trusted
Credit Direct is licensed and regulated by the Central Bank of Nigeria (CBN). A Fintech arm of FCMB Group, Credit Direct has served millions of Nigerians for close to two decades.
The app has really helped my savings plan but the fixed yield doesn’t accept top up on existing deposits, you’ll have to keep a long list of investments
Exceptional experience
Goody Ben
My experience with Credit direct mobile app has been nothing short of exceptional. It's user friendly with a colorful, magical user interface and it have become an indispensable tool in my savings/ transfer routine, and I strongly recommend it to my friends and family. If you're looking for an app that truly delivers, look no further than Credit direct mobile app. Five stars isn't enough – I'd give it ten stars if I could!
Developer Response
We're so glad you're with us! It's awesome to know the app is working for you.
Anonymous
Chidi181
The app is disappointing. I tried to upload my utility bill and it only gave me options of take a photo or choose from gallery, yet preferred formats are pdf and png which do not save to gallery but to files, so the option of Files should be added. I decided to upload my bank statement instead, same thing and after taking a screenshot of said statement and uploading, it kept taking me to confirm my address and disco option. What has electricity disco information got to do with bank statement? It’s not to create a fintech app to compete with others, look into these issues please.
Developer Response
Thank you for your feedback and we understand the frustration. The good news is we've made some major fixes to improve stability in our latest version. Could you please update your app and give it another try? if this issue still persists, please feel free to call us on 02014482225 so we can resolve this immediately. - BO
Works fine if you don’t like stress
Anechile
I enjoy the app. It’s lightweight, gets the job done and honestly, that’s what we need if we’re being honest. An app that just works.
What's New
- Tier 2 users can now complete their address details and apply for loans directly in the app.
- Fixed profile completion links so all required application steps are now accessible.
- Updated loan tenure options to a maximum of 12 months in line with our lending policy.
Version 1.4.9
The developer, CreditDirect, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Location
Contact Info
Identifiers
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
CREDIT DIRECT LIMITED
Size
121.1 MB
Category
Finance
Compatibility
Requires iOS 15.6 or later.
iPhone Requires iOS 15.6 or later.
iPod touch Requires iOS 15.6 or later.
Mac Requires macOS 14.0.0 or later and a Mac with Apple M1 chip or later.
Apple Vision Requires visionOS 1.0 or later.
Location
This app may use your location even when it is not open, which can decrease device battery life.
Languages
English
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions.
Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.
