Most of the time, you don't want to fill out a form, wait in a queue, or hunt through a menu. You just want to ask a question and get a straight answer, the way you would from a person who actually knows how things work.

That is what CLARA is for.

CLARA is Credit Direct's AI virtual assistant. You talk to her like you would text a friend: in plain words, no special format, and she helps you get things done: start a loan, check something on your account, understand a product, or get pointed to the right place when your issue needs a human. She is available day or night, and she never gets tired of your questions. You can even talk to her by voice if that's easier than typing.

Here is how CLARA actually shows up for you, broken down by the real situations people find themselves in.

"I want a loan, but I don't know where to start"

This is the most common reason people reach for CLARA, and it is where she shines.

You don't need to know the product names, eligibility rules, or which channel to use. You simply tell CLARA you want a loan, and she walks you through it from there, asks what she needs to know, explains your options in order, and guides you step by step until your application is moving.

For many customers, that is the whole appeal. No agent to catch during working hours, no form you half-understand. Just a conversation that ends with your loan request in motion.

"I already have a loan, and I need to check something"

Once you are a customer, the questions don't stop; they just change.

How much do I still owe? When is my next repayment due? Did my last payment go through? These are the small, specific things you want answered immediately, not tomorrow. CLARA handles exactly this kind of request: balances, repayment details, loan status, account statements, and more, on demand.

Instead of logging a complaint and waiting, you get the answer you need the moment you need it.

"I just have a quick question about a product"

Maybe you are not ready to apply yet. You are weighing things up.

What is the difference between the plans? How does Checkout work when I shop? What does Credit Direct Business actually do for me? CLARA can explain Credit Direct's products in simple terms, so you understand what fits your situation before you commit to anything. Think of her as the person you ask the "silly" questions, except nothing is silly, and she never makes you feel it is.

This is support that works before you become a customer, not just after.

"My issue is a bit complicated"

Not everything can be solved in a chat, and CLARA does not pretend otherwise.

When something genuinely needs a human - a tricky dispute, an unusual request, a situation with moving parts - CLARA's job is to understand it quickly and route you to Credit Direct's support team. You are not stuck in a loop or left repeating yourself. She handles what she can and hands over cleanly what she cannot, passing the full context of your conversation so you never have to repeat yourself.

"I want help that actually understands me"

The best part of talking to CLARA is that it feels like a conversation, not a form.

You can ask the way you naturally would, in plain English, Nigerian Pidgin, or however you express yourself best. You can follow up. You can change your mind halfway and ask something else. She keeps up. For anyone who has ever stared at a rigid menu thinking none of these is my actual question, that difference is the whole point.

Where to Find CLARA

CLARA lives inside the Credit Direct Mobile App, where she has her fullest range of capabilities — from balance enquiries and loan applications to PIN resets, account statements, and voice conversations. You can also reach her on the web portal if you prefer a browser.

On the Credit Direct Mobile App — Open the app and start a chat with CLARA directly under the Help & Support section. This is the fastest route and where CLARA can do the most for you.

On WhatsApp, 24/7 — Message Credit Direct at 07012187519, and CLARA will pick up day or night. She'll open with "Hi, I'm CLARA from Credit Direct" — from there, just tell her what you need.

On the web portal — Prefer your laptop or browser? You can chat with CLARA on the official Credit Direct website at www.creditdirect.ng.  without downloading anything.

If you ever need to speak with a human agent directly, you can also reach our Contact Centre by phone at 02017005120, 02014482225, or 0700CREDITDIRECT, or by email at contact@creditdirect.ng.

Frequently Asked Questions

What is Credit Direct’s CLARA?
CLARA is Credit Direct's AI virtual assistant. You can chat with her in plain language, to apply for a loan, check your balance and repayments, ask about products, and get directed to human support when you need it. She's available 24/7.

Can I get a loan by chatting with CLARA?
Yes. You can tell CLARA you want a loan, and she will guide you through the process step by step, without you needing to know the product names or fill out a complicated form first.

Is CLARA available at night and on weekends?
Yes. CLARA is available around the clock, including nights and weekends. For issues that need a human, our Contact Centre team is available by phone, WhatsApp, and email: reach them at 02017005120, 02014482225, or 0700CREDITDIRECT.

How do I talk to CLARA?
You can reach CLARA on the Credit Direct Mobile App, on WhatsApp at 07012187519, or through our website at www.creditdirect.ng. The mobile app gives you access to CLARA's full range of capabilities.

Can CLARA help me if I'm not a customer yet?
Yes. CLARA can explain Credit Direct's products in simple terms and help you start a loan application, so she is useful whether or not you already have an account.

Can CLARA understand me if I don't speak formal English?
Yes. CLARA understands plain conversational language, including Nigerian Pidgin and regional expressions. Just talk to her the way you naturally would.

Ask CLARA Anything

You do not have to figure Credit Direct out on your own. Whether you want a loan, a quick balance check, or a straight answer to a product question, CLARA is one message away, in the app, on WhatsApp, or on the web, any time you need her.

Download the Credit Direct app  and start a conversation with CLARA today.