Frequently asked questions
Credit Direct Mobile App
Your wallet balance is displayed at the top of your dashboard. Tap the eye icon beside the balance to show or hide it for privacy.
The dashboard gives you quick access to key features, including:
- Viewing your wallet balance
- Sending money
- Funding your wallet
- Viewing interest earned
- Buying airtime and data
- Paying bills
Your unique wallet account number appears at the top-right of the dashboard as "Account No:" followed by a 10-digit number. Use this number for transfers or to receive payments. Be sure to select "Credit Direct Limited" as the bank and confirm your name before completing any transfer.
Tap the "Total Interest" tab on your dashboard to see the interest you've earned for the month. Click to view a daily breakdown. Wallet balances earn 10% interest per annum.
- Tap "Airtime" on the dashboard
- Enter the phone number and select the network
- Input the amount
- Review your purchase details and optionally save the number as a beneficiary
- Enter your 6-digit PIN or use biometrics (if set up)
- You can share the purchase receipt afterward
- Tap "Data" on the dashboard
- Enter the phone number and select the network
- Choose a data plan
- Review your purchase details and optionally save the beneficiary
- Authenticate using your transaction PIN or biometrics
- Share your receipt if needed
Yes, here's how:
Cable TV:
- Tap "Bills" or "Payments"
- Select "Cable TV" (DSTV or GOtv)
- Choose a package, enter your Smart Card number
- Confirm payment with your transaction PIN or biometrics
Electricity:
- Tap "Bills" or "Payments"
- Select "Electricity"
- Choose your provider and select "Prepaid"
- Enter meter number and amount (meter name will be shown)
- Confirm with your transaction PIN
Your dashboard displays recent inflows and outflows. Tap "History" to view full transaction history with details like amount, date, and status.
"Yield" is a smart way to grow your money over time while earning passive income through simple, flexible investments. Options include:
- Fixed Yield: Lock funds for a set period and earn up to 21% p.a.
- Flex Yield: Enjoy flexible withdrawals (up to 4 times monthly) while earning up to 15% p.a.
- Your Wallet balance (ensure your wallet is funded)
- Paystack (card, transfer, or bank payments)
- Tap "Yield" on the dashboard
- Select "Fixed Yield" and click "Create Plan"
- Name your plan (e.g. Summer Savings)
- Enter investment amount and select the tenor
- Review the terms, interest rate and estimated maturity value
- Tap "Create Yield" and review the details
- Fund the investment using:
- Your Wallet balance (ensure your wallet is funded)
- Paystack (card, transfer, or bank payments)
With Fixed Yield, you can earn between 16% and 21% per year on your investment. Just start with as little as ₦50,000 and let your money grow over time.
- Tap "Yield" on the dashboard
- Select "Flex Yield" and click "Add Money"
- Choose a payment method.
- Fund using:
- CDL Transfer (to your unique Flex Wallet)
- Wallet balance (Direct debit from your Credit Direct wallet balance)
- Paystack (card, bank, transfer)
- Log into the Mobile App
- Tap "Yield" and select Fixed or Flex
- View all active plans
- Click on any plan to see:
- Status
- Principal
- Interest earned so far
- Investment duration
- Maturity date
- Estimated maturity amount
- Use the "History" tab to view past earnings
- Rename plans using the "Edit Name" tab
- Log into the Mobile App
- Tap "Yield" and select your plan (Fixed or Flex)
- Choose the plan you want to liquidate
- Click "Liquidate"
- Accept the liquidation penalty if applicable
- Enter OTP sent to your registered phone to confirm
- Log into the Mobile App
- Tap "Yield" and choose Fixed or Flex
- Go to the "Others" tab to see previous investments, amounts and statuses
- Log into the Mobile App
- Tap "Send Money" at the top left corner of the dashboard
- Enter the recipient's account number or select from saved beneficiaries
- Choose the bank from the list of dropdowns. If bank is not listed, select “Other banks” and search by typing the bank name
- Input transfer amount and optional remark (if applicable)
- Review the transfer details, optionally save recipient’s information
- Tap "Send" and authorize with your transaction PIN
- Log into the Mobile App
- Tap "History" from your dashboard
- See a summary of inflows, outflows, and pending transactions
- Click any transaction for full details
- Filter by date or category as needed
- Log into the Mobile App
- Tap "Account" and click “Settings”
- Change PIN
- Enter your current PIN
- Set and confirm your new 6-digit transaction PIN
- Log in to the app
- Your wallet balance is displayed at the top of your dashboard
- Tap the eye icon to show/hide balance
Yes, biometric login is available for secure and convenient access.
- Tap "Help & Support"
- Select "Contact Us" for Live Chat, Email, or Call Support options
Absolutely! You can save frequently used beneficiaries to make future transactions faster.
- When completing a transaction, tap “Save Beneficiary.”
- Give the beneficiary a name and save.
- Next time, simply select from your saved list—no need to re-enter details.
Getting started is quick and easy:
- Download the App: Search for “Credit Direct Mobile” on the Apple Store or Play Store.
- Create an Account: Tap “Create Account” and enter your first name, last name, phone number, and email.
- OTP Verification: You’ll receive a 6-digit OTP (valid for 4 minutes). Enter it to continue.
- Set a Password: Create a strong password (at least 8 characters, including a symbol and a number).
- Log In: Use your phone number or email—and enable biometric login for extra ease.
- Set a Transaction PIN: Create a 6-digit PIN and confirm it.
- Complete Your KYC: Fill out your details on the dashboard to verify your identity.
Enable Biometrics (Optional): Want quicker access? Turn on fingerprint or face login.
No worries — there are several ways to get your OTP:
- It’s first sent via SMS.
- If you don’t see it, check WhatsApp.
- You can dial *5120*11# to view your OTP.
- Still no luck? Choose to receive it via a phone call.
- Or simply tap “Resend OTP” on the app.
Just tap “Forgot Password” on the sign-in page and follow the steps to reset it.
Yes! On the sign-in screen, select the “Email” option. You can also use your phone number or biometric login.
If your account gets locked after multiple failed attempts, just send your name, phone number, and email, to yieldsupport@creditdirect.ng for prompt resolution.
Right now, I can assist you directly through this chat. Would you like to begin your loan request?
Simple! Transfer money from any bank to your unique wallet account number:
- Open the app and find your wallet number at the top-right of your dashboard.
- The bank’s name is Credit Direct Limited.
- Confirm your name appears correctly before completing the transfer.
Transfers are usually instant. If there’s a delay, just share your name, phone number, amount, date, and reference number—I’ll help escalate it.
Yes, you can! Here’s how:
- Log in to the app.
- Tap “Send Money” at the top-left corner of the dashboard.
- Enter the recipient’s account number or select a saved beneficiary.
- Choose the bank name from the list of dropdowns. If your bank is not listed, select “Other banks” and type in the name of your bank to search for it.
- Enter the transfer amount and an optional remark.
- Review all the transfer details and confirm for accuracy.
- Input your transfer PIN to authorize the transaction.
- Your transfer will go through instantly!
Same steps as sending money to any bank:
- Tap “Send Money”, enter the recipient’s Credit Direct account number, and follow the prompts.
- It’s fast, secure, and seamless.
You can initiate a dispute right in the app:
- Find the failed transaction in your transaction history.
- Tap “Initiate Dispute” seen at the bottom of the screen.
- Fill in the details and attach any documents if applicable
- Review the details and submit the dispute
- Our support team will respond within 3–5 business days.
Follow the same steps as raising a dispute (see FAQ 32). We’ll make sure it’s investigated promptly.
- Log in to the mobile app and click on “Account” at the bottom of the screen
- Click on “Transaction Limits” to view or adjust your limit
- Your limit depends on your KYC tier:
- Tier 1: ₦50,000 daily / ₦300,000 balance max
- Tier 2: ₦200,000 daily / ₦1,000,000 balance max (Requires NIN)
- Tier 3: ₦5,000,000 daily / no balance limit (Requires utility bill + government-issued ID)
- To upgrade your Tier, update your KYC details via the app.
It’s super easy:
- Tap the “Airtime” icon on the dashboard.
- Enter your phone number or choose from your saved contacts.
- Select your network provider from the list and enter the amount.
- Review your purchase details
- Authorize the transaction with your PIN or biometrics.
Want to share proof? Tap “Share Receipt.”
Of course! Just follow the same steps as above but enter the recipient’s phone number instead.
- Tap “Bills” or “Payments.”
- Choose “Electricity”, your provider, and select Prepaid or Postpaid.
- Enter your meter number and payment amount.
Confirm and authorize with your PIN or biometrics.
You can initiate a dispute in the app:
- Locate the failed payment in your transaction history.
- Tap “Initiate Dispute”, describe the issue, and attach any documents.
- Submit, and we’ll get back to you within 3–5 business days.
- Go to “Bills” or “Payments.”
- Click on “Cable TV” and choose your provider (e.g., DStv or GOtv).
- Pick your subscription package and enter your Smartcard number.
- Confirm the details and authorize the payment with your PIN or biometrics
- You’ll get a confirmation once the payment goes through.
No stress. Just call us on 02014482225, 02017005120 or send an email to yieldsupport@creditdirect.ng, and we’ll help you reset it.
- Log in to the mobile app
- Tap “Account” at the bottom of the screen.
- Scroll to “Support” and tap “Need Help?”
- From there, you can:
- Chat with Clara, our AI assistant can assist with loan/investment balances, creating plans, accessing products/services, branch locations, inquiries, complaints, and requests. Clara can also connect you to a live agent or even have a voice conversation with you.
- Call Us at 02017005120, 02014482225, or 0700CREDITDIRECT
- Send an Email to contact@creditdirect.ng
We’d love your feedback!
- Log in to the mobile app
- Go to “Account” and scroll down to “Rate Us.”
Leave your rating and help us improve. Thank you! ⭐⭐⭐⭐⭐
- Log in to the mobile app
- Go to “Account” at the bottom of the screen
- Under “Settings,” select “Change Password.”
- Enter your current password, then your new one (8+ characters, with at least 1 number and 1 symbol).
- Tap “Verify & Continue” to complete the process.
- Log in to the mobile app
- Go to “Account” at the bottom of the screen
- Under “Settings,” select “Transaction Limits”
- Tap “Change Limit.”
Enter your desired limit amount and click “Save.”
Under “Settings,” you can:
- Change your transaction limit
- Update your transaction PIN
- Change your password
Contact us today
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