A1Credit 4+

A1 Capital Solution Limited

Designed for iPad

    • 4.3 • 7 Ratings
    • Free



Need a soft loan? That’s exactly what we offer at A1 credit! A1 credit allows you access instant credit to provide for your personal and business needs. It’s as simple as downloading the mobile app, applying for a loan, filling in the necessary details and voila! Your cash is ready!


A1 Credit offers instant credit to salary earners, especially civil servants and our loan products range from amounts of N50,000 and up to N1,000,000. You can pay back between 12 - 36 months. Our usual repayment period is monthly.

To access these soft loans, however, you must be above 21 years of age and must be employed with a stable income. You may also be required to submit your bank statement and a valid ID.
Our minimum interest rate, which is determined by our credit scoring algorithm, is 3% per month and a maximum of 10% per month. This comes to an Annual Percentage Rate (APR) of 36% to 120%.

If you get our personal loan product of N50,000 to pay back over a 12-month tenor at an interest rate and fees of 3% per month (36% APR), you will be paying back N18,000 in interest. This means that your total Principal + Interest repayment would be N68,000 only.

We also require at least, one guarantor and for loans above certain amounts, you may be asked to submit additional documents which may include your NIN and bank cheque to aid our verification process and to help us serve you better.

Nevertheless, our loan application process is seamless as all you need to do is download our app and apply right from your smartphone!

What’s New

Version 1.3

New features and optimization

Ratings and Reviews

4.3 out of 5
7 Ratings

7 Ratings

App Privacy

The developer, A1 Capital Solution 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
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data
  • Diagnostics

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

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