Frequently asked questions

To complete your registration, you’ll need:

• An active bank account
• Your Bank Verification Number (BVN)
• A phone number linked to your BVN
• Employment details (for salaried or business owners)
• Personal information, including your residential address
• An active ATM card and email address for secure transactions

• Visit checkout.creditdirect.ng.
• Browse and select products from our partner merchants.
• At Checkout, choose Credit Direct as your payment option.
• Complete your registration (if you haven’t already) and accept your approved limit.
• Confirm your purchase—it’s that simple!

No, your pre-approved limit is exclusively for purchases at our partner merchants. It’s designed to give you more shopping flexibility, not cash access.

• Flexible payments: Split your purchases into manageable installments.
• Instant access: Get what you need without paying the full amount upfront.
• Credit building: Responsible repayments can improve your credit history.‍
• Competitive rates: Enjoy transparent and affordable interest rates.

Identity verification helps protect your account and ensures compliance with financial regulations. It’s a quick process that helps us provide you with a secure and seamless experience.

• A valid government-issued ID (e.g., National ID, Driver’s License, or International Passport)
• Proof of address (e.g., utility bill or bank statement)
• A working phone number or email address

Missing a repayment may result in late fees and could affect your eligibility for future loans. If you’re unable to make a payment, please settle as soon as possible to avoid further actions.

Yes, repayment rescheduling is possible under certain conditions. Reach out to our support team for assistance, and we’ll help you find a solution that works for you.

Once your loan is settled, you’ll receive a confirmation notification via email or SMS. Your account balance will also reflect zero, and you’ll be eligible for new purchases.

If your repayment fails, you can check the following:

• Ensure your bank account or card has sufficient funds.
• Confirm your payment details are correct.

Contact your bank if there are issues with your card or account.If the problem persists, our support team is here to help.

For assistance, you can reach us through:

• Phone: 0700CREDITDIRECT, 02017005120, or 02014482225
• Email:  bnplsupport@creditdirect.ng‍
• Live Chat: Available on our website during business hours

The Loan Application Form (LAF) is a form you’ll complete whenever you choose to use our Buy Now, Pay Later (BNPL) service. It helps us capture key details about your purchase and preferred repayment method, so we can process your request smoothly.

Yes, a new LAF is required for every BNPL transaction. This ensures that your application reflects the specific details of each purchase.

A repayment instrument is simply the method you select to make your repayments. This could be your bank account, debit card, or a mobile wallet—whichever is most convenient for you.

Absolutely. You can change your repayment method at any time before your next payment is due. We're here to keep things flexible for you.

A down payment is the initial amount you pay at the time of purchase. It reduces the total loan amount and demonstrates your commitment to the repayment plan. It’s a simple step that helps set your transaction in motion.

For flexible monthly repayment plans, an interest rate of 7.5% per month applies. We keep our rates transparent, so you always know exactly what to expect before committing to a plan.

Your down payment amount is based on a few factors—primarily your credit profile and the total cost of the product. We’ll always let you know the exact amount before you confirm your transaction.

Once your application is successfully submitted and approved, you’ll receive a confirmation via email or SMS. We’ll keep you informed every step of the way.

If anything is missing or needs clarification, we’ll promptly notify you so you can provide the required information and complete your application without delay.

If you've made your repayment and still receive a reminder, feel free to disregard it. However, if you're unsure or want to double-check, our support team is always here to assist you.

If you're unable to make your repayment on time, please reach out to our support team as soon as possible. We understand that situations can change and are happy to explore possible extensions or alternative arrangements with you.

There could be a few reasons for this—such as insufficient funds in your account, incorrect payment details, or a temporary technical issue. Don’t worry, we’re here to help you sort it out quickly.

First, check that your account is funded and your repayment details are up to date. If everything looks good but the issue continues, please reach out to our support team—we’ll help you get back on track.

Loan settlement means you’ve fully repaid your BNPL loan, including any applicable fees. It’s the final step in your repayment journey—congratulations!

Once your loan is fully repaid, your account will reflect a zero balance. You may also become eligible for a new BNPL transaction, subject to review.

Yes, you’re welcome to repay early! You’ll need to settle your full outstanding balance, which includes the principal, and any interest accrued up to that point.

Not at all—there are no penalties for paying off your loan early. However, the total interest due up to the maturity date will still apply.

Currently, you can only have one active BNPL loan at a time. However, you’re free to purchase multiple items from the same merchant within a single transaction and process it as one BNPL loan

You can explore our list of approved merchants by visiting this page. We’re constantly adding new partners to give you more options.

If a merchant cancels your order after payment, they’ll refund the amount to Credit Direct. We’ll then refund you and cancel the loan associated with that order. Rest assured, situations like this are very rare, and we’ll keep you informed every step of the way.

You can only have one active BNPL loan at a time. However, you’re welcome to purchase multiple items from the same merchant in a single transaction using your available limit

Your BNPL offer—generated through the “Know Your Limit” platform—is valid for 24 hours. After that, a new eligibility review will be conducted when you reinitiate the process.

First, check your internet connection and try again. If the issue continues, please contact our support team—we’ll be happy to help.

Double-check that your BVN is correct and that the phone number you used is the one linked to your BVN. If it still fails, your bank may need to update your records.

Make sure the bank account details you provided match your BVN information. Also, confirm that your bank is among the supported options for validation.

No problem—if the platform isn’t verifying your work email, you can continue registration using your personal email address

Please ensure your card is active, has sufficient funds, and is enabled for online transactions. Only cards issued by Nigerian banks are supported.

If you're unable to set up your card, you may not be able to proceed with the transaction. Try using a different card or contact our support team for assistance.

Your application may have triggered a limit reassessment. Please wait for the review to be completed or try reapplying after 24 hours.

Initial approvals are based on preliminary checks. If further reviews uncover inconsistencies or risks, your application may be declined — even after being initially approved.

We’ll follow up directly with the merchant. If the issue isn’t resolved, we’ll refund your down payment and cancel the transaction on your behalf.

Refunds are sent back to your original payment method. This typically takes 3–7 working days after we receive confirmation from the merchant.

You’ll need to cancel the transaction with both the merchant and Credit Direct before starting a new one with the correct item.

Once your loan is approved and the merchant fulfills the order, cancellation isn’t possible. If the order hasn't been fulfilled yet, please contact us right away for support.

Common reasons include:

• Insufficient funds
• Inactive, expired, or blocked card
• Network issues with your bank

Please ensure your card is active and funded before retrying.

Reach out to customer support immediately. If a duplicate deduction is confirmed, we’ll either refund the extra amount or apply it toward your outstanding balance.

Please allow up to 24 hours for your payment to reflect. If it still doesn’t appear, contact support with your transaction details and we’ll investigate.

Yes, you can. Simply contact support to request your outstanding balance and we’ll guide you through making a direct repayment.

The site may be undergoing updates or experiencing temporary issues. Try again later or consider choosing another merchant.

Your offer is valid for 24 hours. If it’s expired, just reinitiate the process to get a fresh BNPL offer

Yes, you can update your repayment card—just make sure to do it before your next repayment is due. Contact support if you need help making the change.

Pre-approvals are based on initial checks. If additional verifications reveal discrepancies or risks, the offer may be revised or declined.

Yes, late payments may impact your eligibility for future BNPL transactions and could result in a lower credit limit. Staying on track with repayments helps maintain your access.