Frequently asked questions
Yield
Think of Yield as your partner in building wealth. It’s a simple and secure fund management solution that helps you grow your money and earn a passive income. You can choose between:
- Fixed Yield – where you lock in your money for a set period and earn up to 21% per year, or
- Flex Yield – where you enjoy more flexibility, with the ability to withdraw when you need to, while still earning up to 15% per year.
Whichever you choose, Yield is designed to support your financial goals at your own pace.
We’re excited to help you start! You can sign up through our mobile app or website:
- Using the Credit Direct Mobile App:
- Download the Credit Direct Mobile App from your AOS/Play Store
- Sign up and verify your phone number
- Set your login and transaction PIN
- Complete your KYC by entering your details and ID
- Verify your NIN and BVN
- Tap "Yield" in the app and create your plan—Fixed or Flex
- Or on the Web:
- Visit yield.creditdirect.ng and click “Get Started”
- Sign up with your BVN and other details
- Verify with the OTP we’ll send you
- Update your profile with your address and bank info
- Click “Create New Yield Plan”, choose your plan, fund your wallet—and that’s it!
Here’s what you’ll enjoy:
- Up to 21% annual interest on your investment
- Zero withdrawal fees (up to 4 times/month with Flex)
- A smooth, user-friendly platform
- The freedom to create multiple plans for different goals
- Prompt, friendly support whenever you need it
- Peace of mind — Yield is fully licensed by the Central Bank of Nigeria
Just a few things to get started:
- Your email address
- BVN (Bank Verification Number)
- NIN (National Identification Number)
- A Nigerian phone number, ideally linked to your BVN
You can start your journey with as little as ₦50,000.
Yes — your safety is our top priority. Yield is regulated by the Central Bank of Nigeria, and we comply strictly with all security and data protection standards. Your funds are in safe hands.
All you need is your name, email, BVN, NIN, and phone number. You’ll also create a secure password and PIN during sign-up.
You can sign in anytime via:
- The Yield website
- The Credit Direct Mobile App (just download from the App or Play Store)
- After signing in, just tap on “Yield” to view or create your plan.
Once you're logged in, you'll see your personal dashboard—this is where you can view your Yield plans, wallet balance, and profile details.
If it’s your first time, you’ll need to complete your KYC by adding your NIN and bank details. After that, just click “Create Yield Plan” and choose Fixed or Flex.
We’ll send your OTP via email, SMS, or WhatsApp. You can also dial *5120*11# or request a voice call if preferred.
You can pick what suits your lifestyle:
- Fixed Yield – lock funds for a set period and earn up to 21%
- Flex Yield – enjoy access to your money (up to 4 withdrawals per month) and earn up to 15%
Your plans will be displayed right on your dashboard—just go to the "Fixed Yield" or "Flex Yield" section.
Your Credit Direct Wallet is your personal, secure space to manage all your financial activities with ease. It’s not just a place to keep your money — it's your all-in-one tool to:
- Fund your wallet and earn 10% interest per annum on your balance.
- Seamlessly transfer money to other Nigerian banks—quick and easy.
- Make payments for things like airtime, data, bills, and more—all from the app.
You can access your wallet anytime through the Credit Direct Mobile App or on the Yield Web Portal. Just download the app from the Apple App Store or Google Play Store, sign up, and you’re ready to go!
Your Credit Direct Wallet is all about giving you control over your finances. Here’s what you can do:
- Deposit funds from any Nigerian bank account directly into your wallet.
- Easily transfer or withdraw funds when you need them.
- Track every transaction, so you’re always in the know.
- Fund your Fixed or Flex Yield plans.
- Use the app to pay for airtime, data, bills, and other services—all in one place.
- Grow your savings at 10% per annum interest—without any effort.
Your money, your rules. We’re here to make it easy for you.
Getting your wallet account number is quick and easy!
On the Web:
- Just log into your Yield dashboard at https://yield.creditdirect.ng, and you’ll find your account number at the top-right corner.
On the App:
- Open the Credit Direct Mobile App and look at the top-right of your dashboard. Your account number will be displayed there, and you can copy it with a simple tap.
Flex Yield gives you the flexibility to save and grow your money, without locking it away. Here’s why it’s perfect for many users:
- Goal-Oriented Investments: Whether you’re saving for a new gadget, a vacation, or just building an emergency fund, Flex Yield lets you create plans tailored to your goals.
- Flexible Withdrawals: You can make up to 4 withdrawals per month, without penalty! Just keep in mind that after the 4th, your interest for the month will be forfeited.
- Automatic Growth: Set up recurring deposits to let your investment grow automatically, without having to do anything.
- Interest Rates: Earn 15% per year: Your interest is paid directly into your wallet every month. It’s all about making saving easy, flexible, and aligned with your financial goals.
You can access your money when you need it, but it’s still growing for you in the background.
Funding your wallet is simple, and you have three ways to do it:
- Use your Wallet Balance: If you’ve already added funds, you can use that directly for your investments.
- Bank Transfer: You can transfer funds from any bank account (yours or a third party’s) into your wallet account number.
- Paystack: Easily fund your wallet using Paystack with a debit card or another online payment method.
Whichever method you choose, it’s fast and easy to get your wallet ready for your next investment!
- Withdrawing from your Flex Yield wallet is simple. Just follow these easy steps:
- Log into your Yield Web Portal at https://yield.creditdirect.ng or open your CDL Mobile App.
- Select the Withdraw option on your Yield dashboard.
- Enter the amount you’d like to withdraw.
- Keep in mind that you need to maintain a minimum balance of ₦50,000 in your wallet.
- You can either do a partial withdrawal (as long as you keep at least ₦50,000) or a full withdrawal.
To complete the process, we’ll send you a One-Time Password (OTP) for security.
With Flex Yield, you have the flexibility to withdraw up to 4 times per month without any penalties! But after your 4th withdrawal, you’ll lose the interest for the month. It’s as simple as that—withdraw as you need but keep an eye on the number to avoid losing your interest.
Fixed Yield is a fantastic way to grow your money with certainty and predictability. It’s perfect for those who prefer a structured approach to saving, offering higher interest rates for longer commitments. You choose the term that suits you, ranging from 1 month to 12 months—and the longer you commit, the higher the return!
Here’s a look at our competitive rates:
- 1 month: 16%
- 2 months: 17%
- 3-5 months: 18%
- 6-8 months: 19%
- 9-11 months: 20%
- 12 months: 21%
With Fixed Yield, you can sit back, relax, and watch your money grow steadily over time. It’s a reliable way to let your funds work harder for you.
Setting up a Fixed Yield plan is easy! Just follow these steps:
- Log into your Yield Web Portal at https://yield.creditdirect.ng or open your CDL Mobile App.
- If you’re using the mobile app, navigate to “Yield” at the bottom of your screen.
- On your Yield dashboard, click “Create New Yield Plan.”
- Choose Fixed Yield (or Flex Yield if you want that instead).
- Enter the amount you want to invest and select your preferred term (from 1 month to 12 months).
- Choose your payment method:
- Use the balance in your wallet (if sufficient).
- Transfer funds from another account (personal or third-party) into your unique CDL wallet.
- Fund via Paystack.
- You’ll see your projected returns to know what to expect.
- Review and confirm your details, and voilà! Your plan is now active.
- We’ll send you an investment certificate to your registered email address for your records.
To liquidate your Yield plan, follow these steps:
- Log into your Yield Web Portal at https://yield.creditdirect.ng or open your CDL Mobile App.
- If you’re using the mobile app, go to “Yield” at the bottom of the screen.
- On your dashboard, select the Yield plan you want to liquidate (either Fixed or Flex Yield).
- Click on your selected plan and then hit the “Liquidate” button.
- Choose where you’d like the funds to be credited—either your bank account or CDL wallet.
- Review any applicable fees or penalties (especially for early liquidation).
- You’ll receive a One-Time Password (OTP) to confirm your liquidation request.
Your liquidation will be processed instantly, but if you’re withdrawing ₦5 million or more, it might take up to 24 hours due to extra validations on our end. You can always track your liquidation status from your dashboard.
You can easily track the status of your liquidation request directly from your Yield dashboard, whether you’re using the web portal or the mobile app. If there’s any delay or if you need assistance, feel free to reach out to me or use any of our support channels:
- Call us on 02017005120 or 02014482225
- Email: yieldsupport@creditdirect.ng
We’re here to make the process smooth for you!
Yes, there is a 20% penalty on the interest earned if you liquidate your Fixed Yield plan before it matures. Additionally, a 10% withholding tax will be deducted from your earned interest upon liquidation
Absolutely! When your Fixed Yield plan matures, you have the option to roll it over to continue earning interest. You can choose from:
- Full rollover: Reinvest both your principal and interest.
- Partial rollover: Reinvest only the principal and withdraw the accrued interest.
To roll over your plan, just follow these steps:
- Log into your Yield Web Portal at https://yield.creditdirect.ng or open your CDL Mobile App.
- Navigate to “Yield” at the bottom of the screen.
- On your dashboard, select the plan you want to roll over (either Fixed or Flex Yield).
- Choose your rollover option (Principal only or Principal & Interest).
- Select your tenor and review the terms.
- Complete the process, and your rollover is set!
- It’s an easy way to keep your savings working for you, continuously.
To select a plan for rollover, simply:
- Log in to your Yield account at yield.creditdirect.ng or through the Credit Direct Mobile app.
- Tap on “Yield” at the bottom of your screen.
- Choose the Fixed or Flex Yield plan you’d like to roll over.
- Pick your rollover preference (Principal only or Principal + Interest).
- Select your preferred investment duration.
- Review the terms, confirm—and you’re all set!
You’ve got two great options to choose from:
- Full rollover – Reinvest both your principal and interest.
- Partial rollover – Reinvest just your principal and withdraw the interest.
You’ll also have the chance to adjust your investment amount before finalizing. Once done, your updated plan will reflect on your dashboard.
Yes, you sure can! Before confirming your rollover, you’ll have the option to adjust your investment amount and select a new tenor that suits your goals.
It’s easy! Your rolled-over plan will appear right on your dashboard alongside your other Yield plans, so you can monitor its performance at a glance.
Absolutely! Just open your Credit Direct Mobile app or visit yield.creditdirect.ng to access your account anytime. If you haven’t downloaded the app yet, head to the Play Store or Apple Store, search for “Credit Direct Mobile,” and sign up to get started.
Not at all. Yield is open to everyone—you don’t need an FCMB account to invest.
Gift a Yield lets you share the gift of financial growth by creating a Fixed Yield plan for someone else. It’s a thoughtful way to help a friend, family member, or colleague invest towards their future.
Gifting is simple:
- Log in to your Yield account at yield.creditdirect.ng.
- Select “Fixed Yield” and tap “Create Plan.”
- Choose “For Someone Else.”
- Enter the recipient’s phone number (must be BVN-registered).
- Set the plan name, duration, and amount (min ₦50,000).
- Fund the plan using your wallet, transfer, or Paystack.
- Once payment is confirmed, the plan is live and viewable in your “Gifted Plans” tab.
The recipient must already have a Yield account to receive the gifted plan.
Yes! The returns mirror our standard Fixed Yield rates:
- 1 month – 16%
- 2 months – 17%
- 3–5 months – 18%
- 6–8 months – 19%
- 9–11 months – 20%
- 12 months – 21%
- Flex Yield: Interest is credited to your wallet monthly.
- Fixed Yield: Returns are paid at maturity—or rolled over, depending on your preference.
- For amounts under ₦5 million, withdrawals are processed instantly.
- For ₦5 million and above, please allow up to 24 hours due to internal validations.
No minimum! You can withdraw any amount, as long as you keep at least ₦50,000 in your Flex Yield plan.
Deposits reflect instantly—no delays!
Yes, we email your account statement monthly to your registered email address. It’s a great way to stay on top of your financial journey.
- Minimum: ₦50,000
- Maximum per plan: ₦10 million. There’s no limit to how many plans you can create, so feel free to invest toward multiple goals!
Yes, you do! Your referral code is right on your Yield profile — share it and earn rewards when friends sign up and invest.
Yes — with a few details:
- Web: You can log in from multiple devices after authentication.
- Mobile App: Limited to one device at a time, but you can switch devices securely through our verification steps.
You can have only one Yield account, but within that account, you’re free to create multiple Fixed and Flex plans.
- Fixed Yield: Up to 12 months per plan, with an option to roll over at maturity.
- Flex Yield: No lock-in period—you’re in control!
Your safety comes first. Yield is fully licensed and regulated by the Central Bank of Nigeria and is backed by FCMB Group. We adhere strictly to data protection regulations, so your information and funds are safe.
You can read our full privacy policy here: https://www.creditdirect.ng/privacy-policy/
Absolutely! Yield is fully regulated and licensed by the Central Bank of Nigeria, so your investments are in safe hands.
You can view our Privacy Policy and Terms & Conditions to understand how we protect your data and manage your investment journey.
Simply log into your dashboard via the web or mobile app. From there, you’ll see a breakdown of all your plans, including how much interest you’ve earned — transparency at your fingertips!
Yes, a 10% withholding tax is applied on the interest you earn, as required by regulation.
We’re always happy to help! You can reach out right here in this chat, or if you prefer, speak to us directly by calling 02014482225, 02017005120, or 0700CREDITDIRECT. You can also email us at: yieldsupport@creditdirect.ng.
We typically respond within a few minutes. During peak periods, it may take a little longer—but never more than 6 hours.
Yes, we’ve got you covered across Nigeria! We have branches in over 25 states. Visit our contact page for the address closest to you.
Paste answer hYes, you’ll get both SMS and email alerts so you’re always in the loop.ere
Definitely! We’re constantly launching exciting features and offers—you’ll be the first to know.
Here’s a quick breakdown:
- Credit Direct Wallet: Earn 10% per annum, paid monthly. Interest accrues daily.
- Flex Yield: Earn 15% per annum, paid monthly. First 4 withdrawals are free—exceeding that forfeits interest for the month.
- Fixed Yield: Earn up to 21% per annum, depending on how long you invest. Interest is paid at maturity.
- Fixed Yield Rates:
- 1 month: 16%
- 2 months: 17%
- 3–5 months: 18%
- 6–8 months: 19%
- 9–11 months: 20%
- 12 months: 21%
- Fixed Yield Rates:
The longer you invest, the more you earn!
We offer:
- Some of the most competitive rates around
- A seamless and secure experience across web and mobile
- Fast, responsive support
- Flexible plans to suit your lifestyle
Tap on “Forgot Password” on the login screen—available on both the app and website—and follow the prompts.
This usually means there’s a mismatch between your BVN and NIN details which may prevent you from completing your sign-up process. During sign-up, your BVN name, date of birth, and phone number will be displayed. Please review these details carefully to ensure they are accurate.
- If the BVN is correct, kindly visit a NIMC center to update your NIN.
- If the BVN details are wrong, please visit your bank to update them.
Make sure your BVN-linked number is active. If your BVN-linked number is inactive, you can enter an alternate number during registration. You can also:
- Opt for “OTP via call” and dial *5120*11# to retrieve your OTP
- Check WhatsApp messages for OTP delivery
Sorry about that! Please send the following to yieldsupport@creditdirect.ng so that we can investigate:
- Your Full name
- Phone number
- Transaction Amount
- Transaction Date
- Reference number
Thanks for flagging this. Interests are calculated based on your planned terms, but let’s double-check. Please send the following to yieldsupport@creditdirect.ng for further assistance.
- Your Full name
- Phone number
- Yield Investment amount
- Expected Interest
- Interest received
Liquidations are typically processed instantly. However, for amounts of ₦5 million and above, processing may take up to 24 hours due to additional verification. To help us investigate and resolve the issue promptly, please send the following details to yieldsupport@creditdirect.ng
- Your Full name
- Phone number
- Yield Investment amount
- Amount attempted to withdraw
Open your app, log in, and tap “Upgrade” on your dashboard, then follow the instructions to upgrade your tier. You’ll also need:
- A Valid ID
- NIN/BVN
- Utility bill (for Tier 3)
You’ll need to speak to a customer care agent about this. You can call: 02014482225, 02017005120, or 0700CREDITDIRECT.
Changing your PIN is simple:
- Open the Credit Direct Mobile app
- Tap “Account” at the bottom
- Scroll to “Change PIN”
- Enter your current PIN, then your new one
- Verify using the OTP sent to your phone
Tracking your investments is simple. There’s a breakdown of your Yield investment and interest earnings on your dashboard. Just log in to your Yield account via the app or website, select the applicable plan, and you’ll see a detailed breakdown of your investment amount, interest earned, and transaction history.
Your investment should be activated immediately after funding. If it hasn’t, it could be due to pending payment confirmation or a temporary technical delay.
To assist you further, please send the following to yieldsupport@creditdirect.ng
- Full name
- Plan amount
- Date invested
- Registered phone number
If you haven’t signed up for Yield yet, you can enter your preferred bank account number during registration. If you’ve already registered, we typically advise against changing account details for security reasons.
Still want to proceed? Please send the following to yieldsupport@creditdirect.ng so we can assist you:
- Your Full name
- Plan amount
- Date invested
- Registered phone number
Withdrawals are usually instant. However, if you're withdrawing ₦5 million or more, it may take up to 24 hours due to internal approval processes.
If your withdrawal is delayed, please send the following to yieldsupport@creditdirect.ng
- Your Full name
- Phone number
- Investment amount
- Withdrawal amount
You can easily modify your transaction limit through the mobile app:
- Log in to the Credit Direct Mobile app
- Tap “Account” at the bottom
- Select “Transaction Limits”
- Enter your new limit and follow the prompts to confirm
SMS and email notifications are sent instantly for all transactions. If you’re not receiving them, it may be due to a temporary network delay from your service provider.
If this issue persists, you can send an email to yieldsupport@creditdirect.ng and we will promptly assist you on this.
We’re sorry for any inconvenience caused. To help investigate, please send the following information to yieldsupport@creditdirect.ng
- Your Full name
- Disputed amount
- Registered phone number
This could happen if your new phone number hasn’t been updated in our system. To resolve this, please send the following to yieldsupport@creditdirect.ng for prompt resolution.
- Your Full name
- Old phone number
- New phone number
We apologize for the inconvenience. To help us assist you quickly, kindly send the following to yieldsupport@creditdirect.ng
- Your Full name
- Withdrawal amount
- Phone number
- Transaction date
Sorry to hear that! We’ll help trace the transaction. Kindly send the following to yieldsupport@creditdirect.ng
- Your Full name
- Transfer amount
- Session ID
- Phone number
- Transaction date
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