CredLine Standard
Smart Credit That.Grows With You
Access flexible credit backed by your income. Build your
financial future with credit that adapts to your needs.
Income-Backed
Secure, reliable access
Grows With You
Build your limit over time
How It Works
Get started with CredLine Standard in four simple steps
Quick Application
Complete our simple online application in minutes
Income Verification
Connect your salary account or provide income proof
Get Your Limit
Receive your approved CredLine instantly
Draw and Repay
Use your CredLine flexibly as needed
Built for You
CredLine Standard is designed for working professionals looking for a better way to manage their finances.
Salaried Professionals
Teachers, healthcare workers, and civil servants with regular income
Business Owners
Entrepreneurs managing cash flow and seeking growth capital
Gig Workers
Freelancers and contractors with variable income streams
Why Choose CredLine Standard?
A smarter way to access credit, designed for your financial growth
Flexible Credit Limits
Access revolving credit from ₦50,000 to ₦500,000 based on your income.
Revolving Credit
Draw, repay, and redraw as needed. Your CredLine refreshes automatically.
Growing Access
Build your credit profile and unlock higher limits over time.
Quick Approval
Get approved in minutes with our streamlined verification process.
Fair & Transparent
No hidden fees. Pay interest only on what you use.
24/7 Support
Our dedicated team is always here to help you succeed.
Real Stories, Real Impact
See how CredLine Standard is helping Nigerians achieve their goals
Education Support
How a teacher managed her children’s
school fees stress-free
CredLine
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0
K
Goals Met
0
%
Healthcare Heroes
Supporting medical professionals with
flexible credit
Average Line
₦
0
K
Access
0
/7
Business Growth
Empowering entrepreneurs with working capital
Revenue Growth
0
%
Credit Line
₦
0
K
Common Questions About CredLine Standard
Everything you need to know about our flexible credit solution
How much can I get approved for?
Your approved limit depends on factors like your employment or income status, repayment history, and CredScore. Limits typically range from ₦50,000 to ₦250,000, and can grow over time with responsible usage.
How does CredLine Standard work?
CredLine Standard is a revolving credit system, this means once you repay, your credit becomes available again. You only pay for what you use, and there’s no interest when you don’t borrow.
What’s the interest rate?
Interest rates vary based on your profile and repayment history but typically fall between 3.5% and 10% monthly. Your rate decreases over time as your CredScore improves.
Is there a penalty for early repayment?
No. Early repayment is encouraged and rewarded. In fact, it can improve your CredScore, reduce your future interest rate, and unlock more features.
What’s the repayment period?
Repayment periods vary but usually range from 15 to 90 days. You can repay early, in full or in parts, depending on what works best for you.
Do I need a salary or payslip to apply?
Not necessarily. While having a salary helps, we also consider freelancers, traders, and small business owners, as long as there’s verifiable income or community credibility.
How do I apply?
Just download the CredLine app, sign up, complete your profile, and request your first credit. The process is fully digital, with decisions made within minutes for most users.
Do I need a guarantor or collateral?
No. CredLine Standard requires no collateral or guarantor. We use smart data, employer or group verification, and our CredScore system to determine eligibility.
Can I increase my credit limit?
Yes. As you build a strong repayment history, your CredScore will improve, unlocking higher limits, better terms, and other personalized features.
What happens if I miss a repayment?
You’ll be reminded multiple times before your due date. If you miss repayment, interest and late fees may apply, and your CredScore will be affected, reducing your limit or access. Continued defaults may lead to suspension or reporting.
Is my data safe with CredLine?
Yes. CredLine is NDPR-compliant, and we take user data protection seriously. Your personal and financial data is encrypted and used only for verification and credit decisions.
Ready to Get Started?
Join thousands of Nigerians already building their financial future with CredLine
Standard.