Congratulations once again on joining the Credit Direct Affiliate Program. As an affiliate, you can now earn rewards by helping people you know, get sharp sharp loans through Credit Direct’s Digital Channels.

This guide shows you exactly how referrals work, where your referral code is used, and how you earn from every successful loan.

How the Affiliate Program Works (At a Glance)

• You share your referral code (your registered phone number).
• Someone applies for a loan using one of our digital channels.
• They enter your referral code during the application.
• Once the loan is disbursed, you earn 2.5% commission.

Every referral helps someone meet a financial need, and rewards you at the same time.

‍Your Referral Code

Your referral code is the phone number you used to register for the Credit Direct Affiliate Program.

⚠️Important: if the referral code is not entered during the loan application, the referral will not be counted.

Digital Channels You Can Refer Through

People you refer can apply for loans through any of our three(3) digital channels:

• Web Portal: best for smartphone and laptop users
• WhatsApp Lending: quick and conversational
• USSD: works on any phone, even without internet

They can access loans of up to ₦2.5 million, depending on their eligibility.These are the same channels you already use, now you can earn by guiding others through them.

‍Step-by-Step: How to Use Your Referral Code via Web Portal

This option is ideal for customers using smartphones or computers.

Step 1: Visit portal.creditdirect.ng
Step 2: Enter BVN for validation
Step 3: When prompted, enter your referral code (your registered phone number)
Step 4: Complete the application. Once successful, funding happens in under 5 minutes.

‍Step-by-Step: How to Use Your Referral Code via WhatsApp Lending

This is one of the easiest ways to get a loan from Credit Direct. All it takes is a chat.

Step 1: Send “Hello” to 09070309430 on WhatsApp
Step 2: Follow the chatbot prompts and provide the required information
Step 3: When asked, enter your referral code (your registered phone number)
Step 4: After a successful application, funding happens in under 5 minutes.

‍Step-by-Step: How to Use Your Referral Code via USSD

 This option works on all phones and does not require internet access.

Step 1: Dial *5120*YourReferralCode#
Example: If your phone number is 08100000000, dial *5120*08100000000#

Step 2: Select Option 1 – “Apply for Loan” and follow the prompts
Step 3: Once the application is successful, the customer will be funded in under 5 minutes.

‍What’s in It for You?

• You earn 2.5% commission on every successful loan disbursed using your referral code.
• Earnings are tracked automatically.
• You receive weekly SMS updates showing how much you’ve earned.
• At the end of each month, your total commission is paid into your Credit Direct wallet.
• The more people you refer, the more you earn.

How You Get Paid (Important)

To receive your referral earnings, you’ll need a Credit Direct wallet, which is where all your commissions will be paid monthly. Your wallet is created when you download the Credit Direct App, sign up, and upgrade your account to at least Tier 1.

Watch this short video below to learn how to upgrade your tier and activate your wallet for referral payouts.

Step 1: Download the Credit Direct App

‍Click this link to download the Credit Direct App. The app is available on Android and iOS.

Step 2: Sign Up on the App

Once installed:

• Open the app
• Sign up with your personal details
• Use the same phone number you registered with as an affiliate

This ensures your referral earnings are linked correctly.

Step 3: Upgrade Your Tier to Activate Your Wallet

After signing up, you’ll be asked to upgrade your account tier:

• Tier 1:
  
  • Activates your wallet
  • Enables you to receive referral payout
• Tier 2 & Tier 3:
  
  • Unlock higher transaction limits
  • Gives you access to more features on the app

⚠️ Important: You must be on at least Tier 1 to activate your wallet and receive referral earnings. This is a quick, one-time upgrade.

Once your wallet is active, all commissions earned within the month will be paid directly into your Credit Direct wallet at the end of the month.

Need Help? We’ve Got You Covered

If anyone you refer experiences challenges during the loan application process, our support team is ready to help.

You can reach us via:

• 📞 Phone: 02014482225, 02017005120, or 0700CREDITDIRECT

• 📧 Email: contact@creditdirect.ng

You already know Credit Direct, you understand the channels, and people around you already trust your recommendations.

The Affiliate Program simply gives structure and rewards to what you’re already doing naturally.

Every referral helps someone meet a real financial need, and helps you earn along the way. Start sharing your referral code today and let your everyday conversations work for you.