CredLine’s instant approval process and flexible credit line have transformed how I manage my business cash flow. The app is incredibly user-friendly and their customer service is top-notch.
Smarter Credit. For Nigerians. For Real Impact.
Flexible credit that adapts to your income and rhythm. Always there when you need it, and silent when you don’t.
Why CredLine?
Smart, reusable credit. Built to support your rhythm, not disrupt it.
Always-On Access
Your credit pocket is always ready. Draw what you need, repay easily, refill automatically.
Only Pay When You Use It
No usage? No interest. You're in control.
Your Access Grows With You
Good habits increase your credit limit. Build smart and unlock more.
Built on Trust and Accountability
Our "Tag" system supports community-backed responsibility.
Built for Real Life
Whether teacher, trader, or gig worker CredLine fits your lifestyle.
Simple, Seamless Experience
Apply, access, and manage with a few taps with support when needed.
More than credit. It’s a financial cushion, a growth tool, and a pocket of possibility.
Transforming Credit Access in Nigeria
Building the Future of
Digital Credit
More than just credit we’re creating a smarter financial support system that empowers Nigerians to grow, thrive and achieve their dreams.
Join thousands of Nigerians already building their financial future with CredLine.
Active Users
0
+
Credit Issued
₦
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Pocket Limit
₦
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Support
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Our Mission
Built for Purpose.
Designed for Impact.
CredLine is more than a product. It’s a financial safety net, built for real people and real needs.
Building Financial Freedom
In a country where many live
paycheck to paycheck, CredLine offers more than loans. It offers breathing room.
- Room to handle emergencies.
- Room to say yes to opportunities.
- Room to live with dignity.
We're Building a Better Future
A Smarter Safety Net
Supporting teachers, civil servants, traders, gig workers, and small businesses with flexible credit solutions.
A Better Alternative
Replacing predatory loans with fair, transparent, and sustainable credit options that help users grow.
A Platform for Impact
Creating sustainable, measurable change through innovative financial solutions and partnerships.
For Sponsors & Donors
Fund pockets at 0% interest for your target groups
Recycle funds to support more users over time
Track repayment, behavior, and social impact in real-time
Simple Process
How It Works
Get started with CredLine in minutes. Our streamlined process makes accessing credit simpler than ever.
1
Get Verified, Get Approved
Complete our straightforward digital KYC process. Get verified and approved once.
2
Access Your CredLine
Your CredLine is always available. Access funds whenever you need. No usage, No Interest.
3
Flexible Repayment
Choose auto-repayment or pay manually. Your CredLine refreshes automatically as you repay.
4
Grow Your Limit
Build your credit profile through responsible usage and unlock higher limits over time.
Two Products. One Mission: Access for All.
Whether income-backed or sponsor-powered, CredLine is credit that works like savings. Always available, always fair.
CredLine Standard
Smart revolving credit backed by your income.
- Credit limit up to 100% of verified annual income
- Repay via payroll, bank transfer, or direct debit
- Interest applies only on what you use
- Build your CredScore and grow your access
Ideal for:
Teachers, nurses, civil servants, small business owners, gig workers
ZeroX – Sponsored Pockets
Interest-free credit backed by Impact partners.
- 0% interest if repaid within grace period
- Funded by NGOs, DFIs, employers, or philanthropists
- Flexible size, cycle, and terms set by funder
- Perfect for mission-driven, group-based support
Ideal for:
Petty traders, youth, women, and vulnerable groups
No matter your income or location, there’s a CredLine pocket for you.
Who We Serve
CredLine is designed for everyday Nigerians looking for a better way to access credit and build financial stability.
Active Users
0
+
Credit Issued
₦
0
M+
Pocket Limit
₦
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K
Support
0
/7
Making an Impact for:
Employees
Workers needing flexible access to funds between paychecks for unexpected expenses.
Small Business Owners
Entrepreneurs managing cash flow and seeking growth capital without high interest rates.
Gig Workers
Freelancers and independent contractors with variable income who need credit flexibility.
Young Professionals
Career-focused individuals building credit history while managing modern financial needs.
Success Stories
What Our Users Say
Join thousands of satisfied users who trust CredLine for their credit needs
Michael Lucky
Teacher
Business Expansion
Credit Line Amount
₦200,000
John Mark
Teacher
Business Expansion
CredLine’s instant approval process and flexible credit line have transformed how I manage my business cash flow. The app is incredibly user-friendly and their customer service is top-notch.
Credit Line Amount
₦200,000
Adebayo Johnson
Teacher
Business Expansion
CredLine’s instant approval process and flexible credit line have transformed how I manage my business cash flow. The app is incredibly user-friendly and their customer service is top-notch.
Credit Line Amount
₦200,000
Resources
Learn. Understand. Grow.
Smart insights, practical tips, and impact stories to help you make empowered financial decisions.
Every day across Nigeria, teachers show up to class, civil servants report for duty, and frontline workers hold…
David Okonkwo
What if getting help didn’t have to come with a price? What if you could offer someone timely financial support…
David Okonkwo
Understand the key differences between traditional loans and revolving credit, and why CredLine’s flexible approach…
Oluwaseun Adeyemi
Newsletter
Get the latest updates, tips, and success stories delivered to your inbox.
Tools & Downloads
- [Infographic] How Your Pocket Works
- [PDF] Sponsor Guide: Impact Through Credit
- [Checklist] First-Time User Onboarding