If you joined the Credit Direct Affiliate program and your referrals have questions, we will answer them all here. Plus, if you also have questions about your commissions or anything else related to the program, we have a section for you, too.
Think of this as your go-to guide, whether you are just finding your feet or looking to earn more commissions from your referrals.
How the Credit Direct Affiliate Program Works
The affiliate program is straightforward.
Anytime someone uses your unique affiliate code, which is simply your Credit Direct registered phone number, to apply for a Credit Direct loan, you earn a commission once the loan is successfully disbursed.
As an affiliate, all you have to do is share your affiliate code and tell the person how to use the code, either via USSD, Web Portal or WhatsApp Lending. After this, Credit Direct manages everything else so you can just wait for your weekly commissions.
The people you can refer are public-sector salary earners and federal and state government employees across all 36 states and the FCT. Once referred, they can borrow between ₦20,000 and ₦2.5 million depending on their eligibility.
If you joined the Credit Direct Affiliate program and anyone you refer has questions, we will answer them all here. If you also have questions about your commissions or anything else related to the program, we have a section for you, too.
Think of this as your go-to guide, whether you are just finding your feet or looking to earn more commissions from your referrals.
How the Credit Direct Affiliate Program Works
The affiliate program is straightforward. Anytime someone uses your unique affiliate code, which is simply your Credit Direct registered phone number, to apply for a Credit Direct loan, you earn a commission once the loan is successfully disbursed.
As an affiliate, all you have to do is share your affiliate code and tell the person how to use it, either via USSD, Web Portal, or WhatsApp Lending. After this, Credit Direct manages everything else so you can just wait for your weekly commissions.
The people you can refer are public-sector salary earners and federal and state government employees across all 36 states and the FCT. Once referred, they can borrow between ₦20,000 and ₦2.5 million depending on their eligibility.
What You Actually Earn as an Affiliate
Your commission is 2.5% of every successfully disbursed loan linked to your affiliate code.
If someone you refer receives a ₦2.4 million loan, you earn ₦60,000 from that single referral. Refer 5 people in a month with similar loan amounts, and you'll earn ₦300,000 in commissions just from your referrals. You can think of it as another income stream.
A few things worth knowing about how earnings work:
Top-up loans count. If someone you referred comes back to Credit Direct for a top-up loan and uses your affiliate code again, you earn commission on that disbursement too. Every loan tied to your code is a commission opportunity.
You can refer yourself. If you apply for a new loan through any of Credit Direct's digital channels and enter your own affiliate code during the process, you earn the 2.5% commission on your own disbursement.
Payments are weekly. Your commissions are paid into your Credit Direct wallet every Friday, not monthly. You can track everything in real time on the Credit Direct app. When you log into the app, you will find your earnings under Account → Referrals → Affiliate Program.
Who Qualifies as a Referral
Not everyone can access a loan through Credit Direct, so ensure you’re referring the right people to maximise your earnings.
Your referrals must be salary earners in the public sector, federal government employees, state government employees, and paramilitary staff such as police and customs officers. All states in Nigeria are eligible, including the FCT.
They must also apply using their own Credit Direct registered number or account. You can guide them through the steps, but the application must come from them directly. Do not apply for a loan on behalf of anyone.
Three Channels For Referrals
Once you have identified someone who qualifies, there are three ways they can apply, and your affiliate code works across all of them.
- USSD is the most accessible option, working on any phone without an internet connection. The customer dials *5120*YourPhoneNumber# and selects Option 1 to apply for a loan.
- WhatsApp Lending is the most conversational. The customer sends "Hello" to 09070309430, follows the chatbot prompts, and enters your registered phone number when asked for a referral code.
- Web Portal works best for smartphone and laptop users. The customer visits portal.creditdirect.ng, enter their BVN for validation, then fills in their details, including your referral code when prompted.
In all three cases, once the application is approved, funding happens within 5 minutes.
How to Make Sure Your Code Gets Counted
This is the part that matters most. If your affiliate code is not entered during the loan application, the referral will not be counted, and you will not earn commission, regardless of whether the loan gets disbursed.
Make it a habit to walk your referrals through the step where the code is entered, rather than assuming they will find it on their own. A short message confirming your code before they apply can be the difference between earning and missing out.
Frequently Asked Questions
What happens if someone I refer defaults on their loan? Nothing happens to you. Affiliates only make referrals and earn commissions. Once a loan is disbursed, the repayment obligation rests entirely with the borrower. There is no financial risk to you if they default.
How do I know when I have earned a commission? You will receive an SMS notification for every successful referral. You can also check your total earnings at any time on the Credit Direct app under Account → Referrals → Affiliate Program.
How do I receive my earnings? Commissions are paid into your Credit Direct wallet. To receive payouts, you need to be on at least Tier 1. To upgrade, open the app, tap Account, and tap the blue card at the top of the screen to begin the process. Tier 1 requires your BVN or NIN — it is a quick, one-time step.
Your Network Is Already Working. Make Sure It Pays You
The people around you trust your recommendations, and that trust has value. The Credit Direct Affiliate Program simply puts a direct financial reward behind the introductions you make.
Every public sector worker in your network who needs a loan is an opportunity for you to help them get funds quickly, and for you to earn too. The more consistently you share your code and guide people through the process, the more your commissions build.
Download the Credit Direct App to track your earnings, manage your wallet, and stay on top of every commission you have earned.
And if you still have questions or run into any issues, our support team is available to support you. Call 02017005120, WhatsApp 09070309430, or email contact@creditdirect.ng.
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