ZeroX by CredLine
More Than Credit.A Bridge to Dreams.
Every dream deserves a chance. Whether you’re a market trader with expansion plans or a corps member with a business idea — ZeroX is your partner in progress.
Interest-Free Access
Grow with Grace
Sponsor-Funded
Backed by change-makers
How ZeroX Helps You Grow
A simple process designed for maximum impact
Get Sponsored
A sponsor -NGO, Government, Religious group- approves you.
Pocket Activated
Your ZeroX wallet is funded with a custom limit and grace period.
Use the Funds
Buy inventory, pay bills, invest in your work, interest-free during the grace period.
Repay with Dignity
Repay what you use. No interest, no shame.
Cycle Continues
Your repayment helps the next person or group in your community.
Built for Everyday Heroes
ZeroX is for those who work hard but are left out of traditional financial
systems.
Women Entrepreneurs
Supporting market traders and small business owners
Artisans & Micro- Business
Empowering skilled workers and local businesses
NYSC Members & Students
Supporting young Nigerians starting their journey
"ZeroX is the first credit I've ever had that didn't stress me or make me feel small."
— Chijioke, Tailor
Why ZeroX is Different
Built with real understanding of the Nigerian life
0% Interest
No fees. No fine print.
No Collateral Needed
All you need is community-backed approval.
Fully Customizable
Sponsors set grace period, pocket size, and terms.
Transparent Reporting
Sponsors track usage and repayment via real-time dashboards.
Flexible and Fair
Use what you need, repay when you can, within the agreed grace period.
Sponsor-Powered
Funded by NGOs, Religious orgs, and everyday Change-makers.
Real Impact, One Pocket at a Time
See how ZeroX is transforming lives across Nigeria
Women Traders Empowerment
Supporting 1,000 market women with interest-free credit
Average Sales Increase
0
%
Impact Timeline
0
Months
Youth Enterprise Program
Helping young entrepreneurs start and grow their businesses
New Businesses
0
+
Program Duration
0
Months
Teacher Support Initiative
Providing financial cushion during education reforms
Completion Rate
0
%
Defaults
0
Common Questions About ZeroX
Everything you need to know about our flexible credit solution
What makes ZeroX different from regular loans?
ZeroX is not your typical loan. It’s a sponsor-funded, interest-free credit option available to verified groups like workers, cooperatives, or communities. When repaid within the grace period, you enjoy 0% interest and no hidden charges, giving you smart, flexible support for life’s essentials.
How do I qualify for ZeroX?
You must belong to a verified group or program supported by a partner sponsor (e.g. employer, cooperative, community fund, NGO, Philanthropist or government agency). Once verified, you’re eligible to access ZeroX under that program’s terms.
What can I use ZeroX funds for?
ZeroX is for real, everyday needs, like rent, food, school fees, transport, repairs, or business top-ups. It’s a dignified way to access quick support when life happens.
How much can I access under ZeroX?
Your approved limit is based on the sponsor program, your group profile, and your CredScore. Limits typically range from ₦20,000 to ₦200,000, with opportunities to increase over time through responsible usage.
How long is the grace period?
Most ZeroX programs offer a 30 to 90-day grace period, during which repayment is interest-free. The exact period depends on the sponsor’s terms.
What happens after the grace period?
If the full amount isn’t repaid during the grace period, the unpaid balance may start to attract low interest or fees, following CredLine Standard rates. You’ll still be able to repay in parts, but you’ll lose the 0% interest benefit.
Can I apply for multiple ZeroX programs?
Yes, but only if you belong to more than one verified and active sponsor group. Your eligibility for each program will be checked individually. Also, maintaining a strong repayment record improves your chances.
Do I need a guarantor or collateral?
No. ZeroX doesn’t require a guarantor or collateral. Your access is based on group verification, sponsor coverage, and your CredScore, our smart internal rating system.
Is ZeroX available to individuals not in a group?
Currently, ZeroX is only available through partner sponsors. However, you can still apply for CredLine Standard as an individual. We’re working to expand access to more people and groups soon.
Do I need a guarantor or collateral?
No. ZeroX doesn’t require a guarantor or collateral. Your access is based on group verification, sponsor coverage, and your CredScore, our smart internal rating system.
Is ZeroX available to individuals not in a group?
Currently, ZeroX is only available through partner sponsors. However, you can still apply for CredLine Standard as an individual. We’re working to expand access to more people and groups soon.
Be the Spark Behind the Change
ZeroX starts with you, whether you’re getting support or giving it, and ends with real sustainable impact.