CrediNaija

CrediNova Finance

2030

Loan amount

₦5,000 – ₦500,000

Loan term

60 to 365 days

Loan interest rate

Interest rate of 25%–38% per year

Loan service fees

1.8% interest per loan

Registration requirements

I have a valid identity card

Payment support

Fast payment via e-wallets and online

Apply Now

Updated Date:

Mar 20, 2026

Downloads:

100K+

Version:

1.6

Support:

Android 7.0 and up

Release Date:

Aug 27, 2025

Size:

51MB

Email:

[email protected]

Hotline:

+2348034008163

Website:

https://www.ngnaija.com/

Working hours:

Monday - Friday 07:00 - 15:30

Address:

Federal Capital Territory, Nigeria

Information

Registered Operating Area

Operates within Nigeria

Age Requirement

At least 21 years old and currently employed

Income Requirement

Must have stable monthly income

Phone Number Requirement

A valid phone number is required to register for a loan

Repayment Method

Online payments and bank transfers

Document Requirement

Required documents must be provided as requested

Initial Loan Amount

₦5,000 – ₦600,000

First Loan Interest Rate

20% for the first loan

New Customer Benefits

Interest-free for the first loan

Loan Interest Rate

Applicable interest rate: 25% – 38% per year

Loan Term

60 to 365 days

Approval Time

Fast approval within 15 minutes

Loan Service Fee

Service fee applied: 0.8% – 1.8%

Late Payment Fee

Late fee: ₦160 per day

CrediNaija is an online lending platform that specializes in providing personal microloans through a simple process, clear terms, and a high level of security. The application is developed specifically for users in Nigeria, enabling you to access timely financial support while maintaining full control over costs and repayment schedules.

Screenshot 1614

Why CrediNaija Is Trustworthy

Quick registration, simple steps A streamlined process that is easy to complete directly on your mobile phone
Flexible loan limits Designed to meet a wide range of personal spending needs and financial plans
Transparent costs Interest rates and APR are clearly displayed, with no hidden fees
High data security Compliant with data protection and privacy standards to safeguard user information
Convenient repayment Easily repay your loan directly from your bank account.

Fast Loan Application Process

Download the CrediNaija app and register using your personal phone number
Provide the required basic information
Select a suitable loan amount and repayment term, then submit your application
Receive the approval result and have the funds disbursed directly into your bank account
Repay your loan on time or ahead of schedule based on your preference

CrediNaija is committed to delivering fast, transparent, and secure microloan solutions, helping you take greater control of your personal finances. Download the CrediNaija app today to experience a convenient, clear, and reliable lending service.

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Loan Calculator

Based on the loan amount

I want to borrow

Term / Days

%/day

Loan Amount

10 000 000 $

Interest

70 000 $

Total Repayment

10 070 000 $

Annual Interest Rate

18 %

Apply Now

Number of Loans

Author: Sabiha Sathi

Sabiha Sathi is an experienced financial expert in the fields of credit and lending, currently serving as the Content Manager for the website. With a user-centric approach, she focuses on sharing carefully curated information about trustworthy online loan applications and is committed to delivering clear, fast, and effective borrowing solutions tailored to specific financial needs.