iPhone Screenshots


YesCredit makes it easy for you to access loans just when you need it. Sign up in a few seconds, apply for a loan, and receive your money into your wallet. You can transfer to your bank accounts immediately. It's a fast, convenient, and reliable way to fix your spending gap.


Create an account.

Apply in seconds.

Receive your loan straight into your wallet.

Increase your loan limit every time you repay a loan.

Depending on the loan amount for which you are eligible, you have the option to choose repayment terms for up to 180 days. Choose the loan term that's right for you within the app.

We are focused more on micro-credits. Our loans range from N5,000 to N50,000, and you must be at least 21 years at your last birthday to be considered for a loan. The loan tenor can be between 60 to 180 days. Interest rates range from between 4.5% - 35% with an equivalent monthly interest of 5%- 29%. An APR of 29% to 120%.

A typical example is this:
If you choose to get a 6-month loan of N10,000, YesCredit charges an interest rate of 5% per month which would amount to 30% for the tenor. We would charge you N3,000 as the interest of the 6-month period so that your total repayment is N13,000.

We usually require no collateral, guarantors, or documents. However, for loans beyond certain amounts, we may require additional documentation. Nevertheless, all you need is to download our YesCredit app and apply right from your mobile phone.

We cater to all categories of loan requests. Whether you are self-employed or a salary earner, our loans are readily available to help meet that immediate need.


When processing your loan request for eligibility, we look at several signals, such as your credit score, past loan performance, etc. We require that loan applications be filled with the correct information as any falsification could delay your loan request, or your profile may be blacklisted. For cases of fraud, you may be reported to the authorities.

YesCredit is powered by YesCredit Limited, licensed by the Lagos State Government of Nigeria to be a money lender.


We're eager to hear from you as we welcome feedback and tips to make our services better. If you have any feedback, questions, or concerns, please contact us at support@yescreditng.com.

What’s New

Version 1.3

* Fixes and upgrade
* Refer a friend directly from the app while earning points
* Improved sign up using referral link
* Multi-tenor loan repayment for flexible loan offers
* Virtual account

Ratings and Reviews

3.3 out of 5
187 Ratings

187 Ratings

sandrafrid ,

Nice one but still waiting for approval

Nice app , waiting for approval. Once approved coming back to rate 5 stars ⭐️

Ambig101 ,


My experience is very terrible here. I applied for a 15k loan and provided all requirements including my guarantor who also provided all requirements yet my application was pending for over 16 days without approval or fees back from them even after writing several emails to the help desk on & off the App none was ever responded or acknowledged. This is so disappointing.

Deeeerrrreeee ,


Really easy to use and also very fast. Still waiting for my loan to get approved though.

App Privacy

The developer, YesCredit Company Limited, 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:

  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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