CredLine

Smart Credit for Nigerians. To enable you be more.

CredLine is your always-on digital pocket built for everyday Nigerians who work hard, earn income, but can’t access quiet support when needed.

Whether you’re a teacher, a trader, or a gig worker, CredLine gives you access to flexible, reusable funds with no long forms, no repeated applications, and no harassment. Just fair, structured credit that fits your life.

How CredLine Helps You Instant Funds, On Your Terms Access ₦10K, ₦50K, or ₦100K from your approved limit, whenever you need it. Draw only what you need. Repay, Reuse: No Reapplication As you repay, your digital pocket refills. It’s smart, revolving credit that stays with you. Zero Interest? Yes, with ZeroX Get 0% interest support from sponsors like NGOs, state governments, and even celebrities. Just repay within the grace period. Grow Your Limit Over Time Use CredLine responsibly and your trust score improves, unlocking better access and more benefits. No Embarrassment. No Pressure. We’ll never call your boss or friends. Repayments are smooth, automated, and respectful of your dignity.

For Example: What Will I Pay? If you borrow ₦50,000 using CredLine Standard, here’s what it might look like: Credit Limit: ₦50,000 Credit Term: 180 days (6 months) Interest Rate: 4% per month Repayment Frequency: Monthly (6 repayments) One-time Flat Fee: 0.5% of credit limit = ₦250 Total Interest over 6 months: ₦12,000 (₦2,000 × 6) Total Amount to Repay: ₦62,250 APR: ~73%

No extra fees. No surprises. Repay on time and your pocket refills, ready for reuse.

Real-Life Example: Mary the School Teacher

Mary earns ₦85,000 monthly. She gets her CredLine approved for a ₦70,000 pocket. In week 2, her gas cooker stops working. She draws ₦20,000 to buy a replacement. In week 3, She draws ₦12,000 to refill on food stuff. At month-end, CredLine automatically deducts ₦31,280 from her salary (4% interest). The next month, her pocket is refilled to ₦70,000, and she’s ready again, no fresh application. After 3 months of consistent repayment, Mary’s limit grows to ₦100,000.

Now Mary uses her pocket to cover shortfalls, school fees, and emergencies, stress-free.

Two Products. One Goal: Financial Empowerment

CredLine Standard

Your personal line of credit approved once, always available. → From ₦50K to ₦200K → Interest from just 3.5–7% monthly → Use. Repay. Reuse conveniently, without reapplying

ZeroX (Sponsored Pockets)

Free pockets funded by sponsors to support people like you. → 0% interest within sponsor grace periods → Designed for teachers, traders, NYSC, women-owned businesses, and more → Recycled capital means more people get help, over and over

Built for You

CredLine is made for real people with real needs: Salary earners and civil servants Petty traders and shop owners Gig workers, freelancers, and delivery riders Youth corps members and entry-level workers

Getting Started is Easy Sign Up and verify your identity Get Approved once: no repeat stress Use Your Pocket anytime you need it Repay Easily, linked to salary or bank account Refill & Repeat: smart credit, always ready

Safe. Transparent. Trusted. Powered by top-tier tech & partners Secure identity verification (BVN, KYC) Data protected under Nigerian NDPR law

Download CredLine Today

Smart support. Zero shame. Always with you.

Built for trust. Powered by dignity.