Frequently asked questions
Credit Direct's Mobile App
Applying for a loan with Credit Direct is easy and convenient. If you're a public sector employee, simply dial *5120# to get an instant loan in just 3 minutes (T&C apply).
Prefer face-to-face interaction? You can speak with a Sales Representative or visit any of our Branch Outlets. Find the nearest one here: https://www.creditdirect.ng/contact/.
To apply for a loan via WhatsApp, simply chat with Clara on 07012187519. If you already have a loan offer, your request can be processed in as little as 3 minutes (T&C apply). If not, Clara will connect you with a sales representative for further assistance.
Dial *5120# and follow the prompts to apply for a loan. This service is currently available to prequalified public sector employees with an active loan offer.
Our trusted sales agents are available nationwide to assist you—no processing or agent fees required! Reach out to your relationship manager, call 02014482225 or 02017005120, or visit any of our branches: https://www.creditdirect.ng/contact/.
USSD loans are available only to public sector employees with existing loan offers. Kindly confirm your employment sector to help us guide you accordingly:
- Federal Government Employee
- State Government Employee
- Paramilitary / Armed Forces Employee
- Private Sector Employee
To check your loan balance, simply chat with Clara on 07012187519. You’ll be asked to verify your identity, after which your balance and other relevant loan details will be shared with you.
If you've been over-deducted, a refund will be processed within 72 hours after we receive the remittance from your employer. Employers typically remit payments within 2 weeks to 2 months after deductions.
To check the status of your employer’s remittance, please chat with Clara on 07012187519 and provide the following details or send the details via email to contact@creditdirect.ng to enable us to investigate and resolve promptly.
- Full Name
- Employee Number
- Employer Name
- Deduction Amount
- Month of Deduction
- Phone Number
For any assistance, you can:
- Chat with Clara on 07012187519
- Email: contact@creditdirect.ng
- Call: 0700CREDITDIRECT, 02014482225, or 02017005120
- Visit any of our branches: https://www.creditdirect.ng/contact/
We’re available Monday to Friday, 8 AM to 5 PM.
We offer a variety of loans tailored to your needs:
Personal Loans: Ideal for private sector employees. Fast disbursement and flexible repayment.
Public Sector Loans: For Federal, State Government, and Paramilitary staff. Repayments are deducted directly from your salary.
Buy Now, Pay Later (BNPL): Shop from partner merchants nationwide and pay in instalments. View partners here: https://www.creditdirect.ng/merchants/
This loan is designed for public sector workers—Federal, State Government, and Paramilitary employees. Repayment is deducted directly from your salary. Apply via *5120# or speak with a Sales Representative.
- Disbursement within 5 minutes for digital applications (*5120#)
- Up to 36-month repayment terms
- Loans from ₦20,000 to ₦5,000,000
- No collateral or lengthy paperwork
- Access to top-up loans during the loan term
To qualify, you must:
- Be employed in the federal or state government, paramilitary, or educational sector
- Be 22 to 58 years old
- Have a clean credit history and valid BVN
- Have served for at least 3 months (and not more than 34 years)
- Have a verifiable monthly income
- Dial *5120# or visit any of our branch outlets to get started.
- You can also reach out via phone on 02014482225, 02017005120 or 0700CREDITDIRECT.
Prefer WhatsApp? Chat with Clara on 07012187519.
Our interest rates range from approximately 4% to 4.95% flat monthly. Terms and conditions apply.
No, there are no hidden fees. All charges will be disclosed to you during the application process.
Repayments are typically deducted from your salary. For missed deductions or early settlements, pay into your unique Credit Direct Wallet account. Please chat with Clara on 07012187519 to request your unique Credit Direct Wallet account number.
For lump sum payments for loan settlements, notify us via email (contact@creditdirect.ng) and attach your proof of payment. However, there is no need to notify us if you are making a monthly repayment, as we would automatically apply the funds as your repayment once received.
If your employer skips a deduction, you can make the repayment directly into your Credit Direct Wallet account using your unique wallet details. Please chat with Clara on 07012187519 to request your unique Credit Direct Wallet account number.
Yes, you can. There are no pre-liquidation charges. You only need to pay the outstanding loan amount.
A Letter of Non-Indebtedness confirms your loan has been fully repaid. To request this, chat with Clara on 07012187519. Please note that a small processing fee may apply.
This letter confirms the outstanding balance on your loan. You can request it by chatting with Clara on 07012187519.
Alternatively, you may be eligible for a top-up loan—quick and documentation-free. Clara can guide you on your options.
To check if you have a loan offer, dial *5120# or chat with Clara on 07012187519. Offers can be processed in as little as 5 minutes if you’re prequalified.
Repayments are made directly from your salary. For skipped deductions or early settlements, credit your Credit Direct Wallet account. You chat with Clara on 07012187519 to request your unique Credit Direct Wallet account number.
For bulk repayment for loan settlement/closure, notify us via email (contact@creditdirect.ng) with proof of payment. Monthly repayments do not require notification as the funds will be automatically applied once received.
To request a loan statement or repayment schedule, chat with Clara on 07012187519 with the following details to be connected with a live agent or send the details via email to contact@creditdirect.ng for faster assistance.
- Full name
- Phone number
- Employee number
- Loan amount
We're sorry to hear about the delay. If you applied via our digital channels (e.g., USSD *5120#), your loan should be disbursed within 5 minutes upon successful application. If it was booked through a sales agent, disbursement typically occurs within 6 hours. If the delay persists, kindly call us on 02014482225, 02017005120, 0700CREDITDIRECT, or send an email to contact@creditdirect.ng for faster assistance.
You can check your loan status, balance, and repayment information anytime. If you need further help, please call us on 02014482225, 02017005120, 0700CREDITDIRECT, or send an email to contact@creditdirect.ng
You’ll receive an SMS alert once your loan is disbursed. However, to confirm your loan status, balance, or repayment information, please call us on 02014482225, 02017005120, 0700CREDITDIRECT, or send an email to contact@creditdirect.ng
Please provide your full name, employee number, phone number, and last loan amount. Once you have this information ready, kindly call 02014482225, 02017005120, 0700CREDITDIRECT, or send an email to contact@creditdirect.ng to help you resolve the issue.
First, confirm your settlement balance, you can chat Clara on 07012187519 for this. Once you have that, pay the full amount into your unique Credit Direct Wallet account. After payment, send your payment evidence to contact@creditdirect.ng for reconciliation
Thank you for making the payment. Please send your full name, employee number, amount paid, and phone number to contact@creditdirect.ng so your payment can be reconciled.
To confirm your account officer’s details, kindly send your full name, employee number, and phone number to contact@creditdirect.ng and your account officer will contact you shortly.
You can view our locations by clicking here: Credit Direct Outlets
Due to the flexibility of our repayment structure, moderate pricing and absence of liquidation charges, loan restructuring is generally not encouraged. We expect repayments to come in when due, in line with the loan terms. If you'd like to discuss further, please send your full name, employee number, and phone number to contact@creditdirect.ng and our Collection’s representative will get in touch with you.
Please provide your full name, employee number, phone number, loan amount, disbursement date, and reason for cancellation. Once you have this information, send an email to contact@creditdirect.ng for further assistance.
Only make payments to your unique Credit Direct Wallet account or Credit Direct’s official FCMB account. If you suspect fraud, please send your full name, employee number, and phone number to contact@creditdirect.ng for faster assistance.
If you missed a call from us, you’ll likely be contacted again soon. In the meantime, you may also chat with Clara on 07012187519, or call us on 02014482225, 02017005120, 0700CREDITDIRECT to follow up.
WACS is a federal government-owned platform used to process loans for federal employees. Credit Direct partners with WACS to process and fulfill your loan requests. You don’t need to contact WACS directly—Credit Direct handles all necessary interactions ensuring a smooth and prompt process.
Yes. WACS charges processing fees for all loans facilitated through its platform and since all federal loans are processed through its platform, all federal employees will incur these charges as defined by WACS. These fees are not from Credit Direct but are mandated by WACS.
We’re sorry about the discrepancy. Loan disbursements are automated and should match your signed agreement and SMS notification. Please review the SMS you received during loan agreement execution, as it contains your agreed loan amount and repayment terms. For further assistance, please send your full name, loan amount, date disbursed, employee number, and phone number to contact@creditdirect.ng
We understand this can be frustrating and appreciate your patience. Refunds for over-deductions are processed within 72 hours after we receive payment from your employer, which may take 2 weeks to 2 months. To track your employer’s remittance, send your full name, employee number, employer name, deduction amount, deduction month, and phone number to contact@creditdirect.ng for further assistance.
Yes, you may qualify for a top-up loan while your current loan is still active if you meet our eligibility criteria such as timely repayments and adequate income. To check if you qualify, please contact us:
- Chat with Clara on 07012187519
- Email: contact@creditdirect.ng
- Call: 0700CREDITDIRECT, 02014482225, or 02017005120
Visit any of our branches: https://www.creditdirect.ng/contact/
Loan deductions stop once your loan is fully repaid, your employer will be notified to stop deductions from your salary. If deductions continue afterward, please send your full name, employee number, deduction amount, month of deduction, and phone number to contact@creditdirect.ng for prompt assistance.
Yes, loan availability may vary by employer. To check your employer eligibility, send your full name, employer name, employee number, and phone number to contact@creditdirect.ng for further assistance.
To update your information such as email address or phone number, ensure these details have been updated on your BVN first. Once that’s done, please send your full name, employer name, employee number, and phone number to contact@creditdirect.ng to update your account information with us.
Yes, you may qualify for a top-up loan while your current loan is still active if you meet our eligibility criteria such as timely repayments and adequate income. To check if you qualify, please contact us:
- Chat with Clara on 07012187519
- Email: contact@creditdirect.ng
- Call: 0700CREDITDIRECT, 02014482225, or 02017005120
Visit any of our branches: https://www.creditdirect.ng/contact/
Timely repayment is essential to qualify for additional loans. To check your repayment status and eligibility, kindly send your full name, employee number, and phone number to contact@creditdirect.ng
Contact us today
Visit our branch today
Chat with Clara for instant access and quick answers to all things Credit Direct.
