CredPal: Loans & Pay Later

Description

CredPal is Nigeria's all-in-one finance app. Buy Now Pay Later, instant loans, credit and dollar cards, bill payments, and savings of up to 28% p.a. — all in one place. Join the Nigerians already using CredPal to shop smarter, spend responsibly, and grow their money.

What you can do with CredPal

Buy Now, Pay Later

Shop for phones, laptops, home appliances, fashion, and more — then split the cost into easy monthly instalments. Pay a small deposit today and spread the rest over 3 months.

Example: Buy an iPhone 16 for ₦1,000,000. Pay a 40% deposit (₦400,000) and clear the remaining ₦600,000 over 3 monthly installments of ₦200,000 at 0% interest.

Shop and Pay in 4

Split any purchase into 4 equal payments, billed every two weeks, at 0% interest.

Cash Loans

Get fast access to cash when you need it. Borrow from ₦20,000 up to ₦5,000,000 with flexible repayment terms from 1 to 12 months. Interest rates range from 7% to 20% — among the most competitive in Nigeria.

CredPal Credit Card

Apply for a virtual or physical credit card to cover everyday spend, emergencies, bill payments, and online subscriptions. Repay at the end of your billing cycle — typically around your salary day. You can also transfer funds from your CredPal wallet to any Nigerian bank account.

Dollar Card

Spend in USD wherever you shop online — streaming, SaaS tools, travel, international stores, and more — with a virtual dollar card funded from your CredPal wallet.

Bills and Airtime

Pay for electricity, cable TV, internet, data, airtime, and other essentials directly in-app.

CredPal Invest

Grow your money with investment wallets that earn up to 28% p.a. Start from ₦50,000 with flexible tenors from 1 to 12 months. Create multiple wallets to save toward different goals.

Why Nigerians choose CredPal

How to get started

1. Download the CredPal app and create an account.

2. Complete KYC — upload a valid ID, a recent utility bill, and any supporting documents requested.

3. Get approved for your credit limit.

4. Start shopping, borrowing, spending, or investing instantly.

Who is eligible

Your security and privacy

CredPal is built to bank-level security standards with end-to-end encryption. We will never share your personal or financial information with third parties without your consent. For full details, see our privacy policy at credpal.com.

Need help?

We'd love to hear from you.

Email: [email protected]

Website: credpal.com

Support and FAQ: credpal.com/faq

X (Twitter): x.com/CredPal

Instagram: instagram.com/credpalhq

Facebook: facebook.com/credpal

Phone: 017007999

Address: Lagos, Nigeria