What if getting help didn’t have to come with a price?
What if you could offer someone timely financial support without burdening them with interest, shame, or stress?

That’s the heart behind Zero-X – CredLine’s 0% interest product designed for dignity, not debt.

In a country where many face daily financial pressure, Zero-X offers a powerful alternative: quiet, flexible credit funded by sponsors, not extracted through high-interest repayments.

What is Zero-X?

Zero-X is a sponsored version of the CredLine wallet. It gives users access to a reusable line of credit, just like our standard product, but with one major difference: no interest.

Instead of charging the user, an external sponsor funds the credit. That sponsor could be:

• An employer who wants to support staff well-being
• A CSR-focused company looking to empower communities
• A development agency or NGO aiming for grassroots financial inclusion
• A philanthropist or government program seeking to ease everyday burdens

The user repays only what they use, no markup, no penalties. And just like with standard CredLine, once they repay, the funds become available again.

Why Zero-X Matters

Too often, credit in Nigeria is a trap. High rates. Harassment. Public shaming. Zero-X flips that script,  offering support with dignity.

For users, it means:

• Accessing help without being punished for needing it
• Repaying without interest or pressure
• Feeling seen, valued, and trusted

For sponsors, it means:

• Delivering real, measurable impact
• Empowering people to solve their own problems
• Building loyalty, goodwill, and resilience in the lives of those they serve

Who Can Be a Sponsor?

Zero-X was built to be flexible. Whether you’re a small business or a national agency, sponsoring pockets is a meaningful, scalable way to do good.

You can:

• Fund credit wallets for your employees
• Support a group of women traders, farmers, or gig workers
• Offer zero-interest credit to your members, staff, or local community
• Partner with CredLine to co-create a sustainable credit program for a region or sector

And with our built-in wallet system, you’ll get transparent visibility into usage, repayment, and impact,  no guesswork.

Quiet Support, Big Impact

At CredLine, we believe the best help often comes quietly. No noise. No banners. Just real people getting what they need when it matters most, and repaying with pride.

That’s what Zero-X enables.

Want to sponsor a group?
Let’s talk. Together, we can unlock possibility — one pocket at a time.