ABOUT US
The Leading innovation-driven financial services company trusted by over 300,000 active customers
WHO WE ARE
Based in Lagos Nigeria, with branches spread all across the country. Our services are hinged on a partnership with employers and our customers to provide friendly innovative loan and investment products while our various repayment options give our customers the freedom, flexibility, and confidence to enjoy their lives.
We pride ourselves with providing quick turnaround loans with little documentation, efficient processes and top of the range customer service.
OUR DNA
Active Customers:
Loans Disbursed:
We put our customers at the center of what we do. We understand the day-to-day financial needs and pressures of cash constrained consumers. We continue to work to deliver financial products that give customers more control and help them to get on with their lives.
VISION
MISSION
Creating financial solutions that enable peace of mind.
LEADERSHIP
INVESTORS INFORMATION
Offices Across Nigeria
Employees
Loans Disbursed
Beneficiaries
Return on assets
3%
Tier 1 Banks
2%
Top Corporate Finance Companies
10%
Top Microfinance Banks
12%
Credit Direct Limited
RETURN ON EQUITY
18%
Tier 1 Banks
16%
Top Corporate Finance Companies
22%
Top Microfinance Banks
28%
Credit Direct Limited
COST TO INCOME RATIO
53%
Tier 1 Banks
74%
Top Microfinance Banks
65%
Top Corporate Finance Companies
42%
Credit Direct Limited
INVESTORS INFORMATION
Category & Outlook
Rating Scale
Long Term Rating
Short Term Rating
| 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| % | % | % | % | % | % | % | % | % | % | % | |
| Total Assets | (16) | 34 | 41 | (24) | (13) | 8 | 20 | 27 | 62 | 89 | 49 |
| Net Advances | (7) | 36 | 24 | (29) | (20) | 6 | 18 | 32 | 61 | 84 | 49 |
| Total Capital & Reserves | 3 | 7 | 1 | 7 | 16 | 28 | 26 | 57 | 49 | 42 | 21 |
| Total Funding (Excl. Equity Portion) | (22) | 46 | 69 | (37) | (22) | 3 | 18 | 22 | 65 | 102 | 58 |
| Net Income (PAT) | (39) | (7) | 84 | 61 | (76) | 8 | 7 | 40 | 62 | 21 | 11 |
Start your journey to financial freedom today.
The number one non-bank digitally-led lender that provides financial solutions to millions of customers.
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