Credit Direct Mobile

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.

Recent changes:
We’ve made improvements to give you a smoother and better experience!
- Enhanced KYC Experience: A revamped identity verification process for a simpler, more seamless experience.
- Added Lebara Airtime & Data to bills payment
- Improved Loan Application: A redesigned loan application journey to make applying for a loan easier and more intuitive.
- Performance Optimizations: General improvements, bug fixes, and optimizations for a faster, more reliable app experience.
Update now to enjoy the app