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Customer Service

Get your account up and running in few easy steps


Get your account up and running in few easy steps


Get your account up and running in few easy steps

Customer Service

Need something cleared up? Here are our most frequently asked Customer Service questions.

Yes, you can top-up your existing PSB Loan once you have made 2 months repayments on your existing 3 – 5 months loan, 3 months repayment on your existing 6-8 months loan, 4 months repayment on your existing 9 – 12 months loan and 6 months repayment on any loan from 12 months and above.

Our interest rate is computed on a flat rate and charged monthly.

Kindly ensure that your account is funded as deductions would be made on your repayment due date directly via Direct Debit (Paystack,Flutterwave or Seerbit).

No, you would be unable to change your repayment due date. You can send the Termination Letter to for further investigation and review on a possible Loan Restructing or Payment Holiday/Deferment Plan.

You will get an SMS or Email confirming that the funds have been disbursed into your salary account. If funds are not credited to your account within 24hrs, please send an email to

Yes you can at no extra charge. You would however pay your outstanding principal and interest up until the time when you are liquidating the loan.


Need something cleared up? Here are our most frequently asked questions on Loans.

1. Online –
2. Visit to our office – 48/50, Isaac John Street, Ikeja GRA
3. Dial USSD code – *5120#
4. Telephone – 0700creditdirect, 014482225
5. Whatsapp – 09070309430

Check our loan Products menu to see the eligibility for the various loan products we offer.

 Minimum amount is N20,000 while the maximum amount you can access is N2,500,000 (higher amounts would require 2 MCC approval)

All our loans require a good and satisfactory Credit Report

No, You can get quick loans by dialling our USSD code *5120# or via our Website on You can also reach out to us via Telephone on 0700creditdirect or 014482225 or via WhatsApp on 09070309430

Yes, you can and the funds would be applied for the months covered, but you would still be charged your monthly deductions until the loan is fully repaid as we do not have a part liquidation process.

You can renew your loan immediately you finish repaying an existing loan.

You are eligible for a loan facility if you are a salaried employee in the public or private sector.


Need something cleared up? Here are Other most frequently asked Customer Service questions.

For any additional information, please call 0700CREDITDIRECT, 01-4482225 or walk into any Credit Direct Branch.

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The number one non-bank digitally-led lender that provides financial solutions to millions of customers.

Contact Us

Phone: 02014482225

Phone: 02017005120


Address: 48/50 Isaac John Street, GRA, Ikeja, Lagos, Nigeria.

Whatsapp: 09070309430

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