Questions, answered

Salary earners whose employer is on Credx. You sign up in the app, verify your identity with your BVN and NIN, and your employment is confirmed before your first loan. If your employer isn't on Credx yet, you can ask for it in the app and name someone in HR, finance or management for us to talk to.

Your limit depends on your verified income, your employment, your repayment history and our credit assessment. Repaying on time builds your repayment history, which can qualify you for a higher limit over time. All loans are subject to approval.

Between 1 and 12 months. You choose the length when you apply, and the app shows the repayment schedule before you accept.

Interest is set by the rate agreed between Credx and your employer, so everyone at your workplace gets the same fair rate. The interest amount, total repayment and every due date are shown in the app before you accept. See pricing and terms.

Once your loan is approved and you accept it, the money is paid into your Credx wallet. From there you can send it to any Nigerian bank account.

Applications are assessed on your verified income, employment status, repayment history and our lending policy. Common reasons are incomplete verification, an outstanding loan, or a requested amount above your current limit. Contact support from the app and we'll tell you what you can do next.

Credx loans are payday loans: each repayment is due on your payday. Repayments are collected automatically from the account you authorise when you set up your loan. You can also repay early or manually from the app at any time.

Nothing is charged for the first 7 days after a repayment is due. After that grace period, a small daily late charge is added until the repayment is made. The exact charge is shown on your loan summary before you accept the loan. If you're struggling to pay, talk to us in the app as early as you can.

Yes. You can make a repayment from the app before it's due.

As a lender we must verify who you are. We use your BVN and NIN to confirm your identity and protect you from someone borrowing in your name. We never access your contacts, photos or messages.

Depending on your employer, your HR team approves your request, or you connect your salary account securely, or you upload a recent bank statement for review. The app tells you which applies to you.

You can request deletion from your profile in the app, or follow the steps on our delete account page.

Your wallet has its own account number, so you can receive money into it. You can send money to any Nigerian bank account and see every transaction with a shareable receipt.

Any transfer fee is shown on the confirmation screen before you send.

Every payment needs your transaction PIN, and you can sign in with Face ID or your fingerprint. You can see and remove the devices signed in to your account, and add a secondary phone number for recovery.

Use the urgent report option in the app's support section. It goes straight to our team as a security issue. You can also email support@credx.ng.

Nothing. Credx is a staff benefit that costs the employer nothing and needs no payroll changes. See Credx for employers.

HR can approve staff requests from the app or the HR dashboard, but it isn't required. Staff can also verify their income with open banking or a bank statement.