Payday loans for salary earners
The all-in-one app for your financial and lifestyle needs.
Borrow for 1 to 12 months at a rate your employer agreed, and repay automatically on payday. You see every naira it costs before you accept.
We never access your contacts, photos or messages.
How it works
From download to money in your wallet
Three steps, all in the app. Nothing to print, no branch to visit.
- 1
Sign up in minutes
Download Credx, verify your phone, and confirm who you are with your BVN and NIN.
- 2
Confirm your job
Your employer confirms you work there, or you verify your salary account or a bank statement. No paperwork to print.
- 3
Borrow and get paid
Pick an amount and 1 to 12 months. See every repayment date, then accept and the money lands in your Credx wallet.
Payday loans
Repay on payday, automatically
Each repayment falls on your payday, so it comes out when your salary comes in. No reminders to set, no transfers to remember.
- The interest, total and every due date are on the loan summary before you accept.
- A 7-day grace period after each due date before any late charge.
- Repay early from the app whenever you like.
- One rate for everyone at your workplace, agreed with your employer.
More than a loan
Everything your salary needs, in one app
A wallet that works
Your own account number to receive money, transfers to any Nigerian bank, and a receipt for every transaction.
Limits that grow with you
Repay on time and build a good repayment history, and your limit can grow over time.
Refer and earn
Share your code. When a friend takes their first loan you earn a reward, plus milestone bonuses as your referrals add up.
Real people, in the app
Chat live with our support team from the app, get a transcript by email, and flag urgent security issues in one tap.
Safe by design
Built to be trusted with your money
Licensed lender
Credx lends under a state money-lending licence.
Your phone stays yours
We never access your contacts, photos or messages.
Locked to you
Transaction PIN, Face ID or fingerprint, and control over every signed-in device.
Verified identity
BVN and NIN checks stop anyone borrowing in your name.
For employers
Give your staff fair credit without touching payroll
You agree the rate once. Your team gets fast, fair loans that are repaid automatically on payday, and HR approval is optional.
Who can borrow with Credx?
Salary earners whose employer is on Credx. You sign up in the app, verify your identity with your BVN and NIN, and your employment is confirmed before your first loan. If your employer isn't on Credx yet, you can ask for it in the app and name someone in HR, finance or management for us to talk to.
How much can I borrow?
Your limit depends on your verified income, your employment, your repayment history and our credit assessment. Repaying on time builds your repayment history, which can qualify you for a higher limit over time. All loans are subject to approval.
How long can I borrow for?
Between 1 and 12 months. You choose the length when you apply, and the app shows the repayment schedule before you accept.
What does a loan cost?
Interest is set by the rate agreed between Credx and your employer, so everyone at your workplace gets the same fair rate. The interest amount, total repayment and every due date are shown in the app before you accept. See pricing and terms.
How fast do I get the money?
Once your loan is approved and you accept it, the money is paid into your Credx wallet. From there you can send it to any Nigerian bank account.