Creditwise Loan Nigeria, Reviews, How to apply, Interest Rate and Customer Care Number

CreditWise Financials Limited is a Nigerian financial lending company rapidly gaining recognition as a prominent brand in the Micro and Retail lending sector. Their focus is on Sustainable Lending, particularly targeting Poverty Alleviation (lending to junior and mid-level salaried workers), Women Empowerment, and MSMEs.

The company is committed to simplifying the loan process, making it easy for borrowers to access the funds they need without the hassle and delays associated with traditional banking institutions.

Creditwise Loan Nigeria has garnered positive reviews from numerous borrowers, who appreciate the company's straightforward application process, competitive interest rates, and timely loan disbursement. Borrowers commend Creditwise's commitment to customer satisfaction, highlighting their responsive customer support and willingness to assist with any inquiries or concerns.

Applying for a Creditwise Loan Nigeria is a straightforward process that can be completed online within minutes. Borrowers simply need to provide basic personal and financial information, and the company's automated system will promptly assess their eligibility. Once approved, funds are disbursed within minutes or latest 24 hours, providing borrowers with quick access to the financing they need.

This blog post will delve into Creditwise Loan Nigeria, Reviews, How to apply, Interest Rate and Customer Care Number.

Creditwise Loan Nigeria Features and Benefits

  • Loan amounts ranging from N10,000 to N300,000: CreditWise offers a wide range of loan amounts to meet the needs of borrowers.
  • Flexible repayment periods of 91 to 365 days: Borrowers can choose a repayment period that fits their budget.
  • Competitive interest rates of 12% to 20% per annum: CreditWise's interest rates are lower than many other lenders in Nigeria.
  • Quick and easy online application process: Borrowers can apply for a loan in minutes using the CreditWise Loan app.
  • No collateral required: CreditWise does not require any collateral to secure a loan.
  • Funds disbursed within 24 hours: Borrowers can receive their loan funds within 24 hours of approval.

  • Affordable loan terms: CreditWise's loan terms are affordable and can be tailored to the borrower's needs.
  • Convenient online application process: Borrowers can apply for a loan from the comfort of their own home using the CreditWise Loan app.
  • No hidden fees: CreditWise does not charge any hidden fees.

Creditwise Loan Nigeria Interest Rate and Repayment

Creditwise offers a wide range of loan options to suit your needs, with loan amounts ranging from N5,000 to N500,000 and repayment periods of 14 to 365 days. This flexibility allows you to choose the loan terms that best fit your financial situation.

Creditwise's annual interest rates are competitive, ranging from 12% to 20%. This means that you can borrow money at a reasonable cost without breaking the bank.

Creditwise Loan Requirements

CreditWise Loan Nigeria has specific requirements that borrowers must meet to be eligible for a loan. They include:

  • Be a citizen of Nigeria: CreditWise Loan Nigeria only offers loans to citizens of Nigeria.
  • Be at least 18 years old: Borrowers must be at least 18 years old to apply for a loan.
  • Have a regular source of income: Borrowers must have a regular source of income to be able to repay their loans.
  • Have a valid BVN (Bank Verification Number): Borrowers must have a valid BVN to apply for a loan.
  • Have a valid bank account: Borrowers must have a valid bank account to receive their loan funds.

How to apply for Credit Wise Loan

Applying for a Creditwise Loan is a straightforward process. Simply follow these steps:

  • Download and Install the App: Go to the Google Play Store on your Android device. Search for "CreditWise Loan App" and download the official app. Once it's downloaded, install it on your device.
  • Create an Account: Open the CreditWise app after installing it. Start by making an account in the app. When you register, be sure to use the phone number linked to your BVN (Bank Verification Number). You'll get a one-time password (OTP) sent to this number for verification.
  • Fill in Your Personal Information: After making your account, provide your personal details as the app asks. This includes your full name, date of birth, and other necessary info. Make sure to enter your BVN correctly.
  • Link Your ATM Card: In the registration process, you'll need to connect your ATM card to your CreditWise account. This step is a must. Keep in mind that there's a N30 fee to validate the card, but this fee will be refunded.
  • OTP Verification: Once your ATM card is linked, an OTP code will be sent to the phone number connected to your BVN. Put this OTP code in the required field in the app.
  • After sending your loan application, the app's software will check your credit score. The results will be shown in the app. This step helps decide if you're eligible and how much you can borrow.
  • Identity Verification: For added security, the app will need you to take a clear live selfie. This selfie will be used to check your identity. Make sure to use a smartphone with enough storage to take and upload the selfie.
  • Submit your application: Once you've reviewed and confirmed the information, submit your application for processing.

Creditwise Loan Customer Care

Email them at [email protected]. Alternatively, if you prefer in-person communication, you can visit their office at 34, Norman Williams Street, Ikoyi, Lagos. You can also contact them on +2348086128454.


Is Credit Wise a legit loan app?

Yes,  CreditWise Loan Nigeria is a legitimate loan app that is registered to operate in Nigeria.

Where is credit wise located?

CreditWise is headquartered in Lagos, Nigeria. You can visite their office at 23a Moleye Street, Alagomeji-Yaba 234-01, Lagos, Nigeria.

How do I contact CreditWise customer service?

Email them at [email protected]. Alternatively, if you prefer in-person communication, you can visit their office at 34, Norman Williams Street, Ikoyi, Lagos. You can also contact them on +2348086128454.

What agency does CreditWise use?

CreditWise provides you with a real-time view of your credit health by directly accessing your TransUnion credit report. This means that your VantageScore® 3.0 credit score is updated as often as daily, ensuring you have the most accurate information available.


CreditWise Loans Nigeria has emerged as a valuable resource for individuals seeking accessible and affordable personal loans. We have covered all you need to get started.

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