Tailored
Financial
Solutions for
Every Nigerian.
We bridge the gap between your ambitions and the capital needed to reach them. Transparent, fast, and designed for your growth.
"Creda didn't just give me a loan, they gave me a roadmap for my business expansion in Kano."
Our Service Tiers
Choose the loan product that aligns with your current life stage and financial goals.
Personal Loans
Designed for emergencies, education, or lifestyle upgrades. Access up to ₦2,000,000 with minimal documentation.
Apply for PersonalBusiness Loans
Growth capital for SMEs and entrepreneurs. Scale your operations today.
Boost BusinessStudent & Unemployed Support
Specialized loans backed by guarantors to help you through school or bridge the gap between roles. We invest in your future potential, not just your current balance.
Why Choose Creda?
Competitive Interest Rates
We offer some of the most competitive rates in the market, ensuring your loan doesn't become a burden.
No Hidden Fees
What you see is what you pay. No processing fees, no insurance surprises, no hidden traps.
Flexible Repayment
Repayment periods ranging from 1 to 12 months, customizable to your monthly cash flow.
24-Hour Disbursement
Once approved, funds hit your account within 24 business hours. No long bank queues.
Loan Calculator
TOTAL REPAYMENT: ₦
Start Your ApplicationCalculator is an estimate. Final rates may vary.
Compare Our Products
A side-by-side view to help you decide.
| Feature | Personal | Business | Student |
|---|---|---|---|
| Max Amount | ₦2,000,000 | ₦20,000,000+ | ₦500,000 |
| Max Tenure | 12 Months | 24 Months | 12 Months |
| Requirements | BVN, Paystub | CAC Reg, Bank Stmt | Student ID, Guarantor |
| Approval Time | Instant | 48 Hours | 24 Hours |
Ready to secure your
financial future?
Join 50,000+ Nigerians who have scaled their lives and businesses with Creda.