On the Portal’s landing page, click “Get Started” and fill in your personal information. Review & agree to Credit Direct’s terms and conditions to complete your profile creation.
Once this is done, click “Apply for loan” on the dashboard to access a loan or browse through to perform other self-help services.

On the Portal’s Landing page, input your User ID (this can be your Phone Number, Email Address or Customer ID), enter your password and click “Login”.

*If you are unable to remember your password, click the “Forgot Password” link, enter your email address or phone number, and an OTP (One Time Password) will be sent to the details provided.

Retrieve the OTP received and input same into the space provided to create your new password.

The Customer Portal is only accessible when you have full internet access on your computer or smartphone.

Click the “Forgot Password” link displayed on the Portal’s Landing Page and enter your email address or phone number.

An OTP would be sent to the details provided, so input it in the space provided to create your new password.

The following self-help services are available to you round the clock on the Credit Direct Customer Portal.

1. Request for a Loan and get instant disbursement upon approval.
2. Confirm your loan balance.
3. Fund your wallet for your loan repayment or other services.
4. Transfer funds from your wallet to your bank account.
5. View your loan/transaction statement.
6. Chat or speak with a Customer Support agent.

On the Portal’s landing page, click “Loan Calculator”, enter your desired loan amount, and select your desired loan tenor.
Your expected loan repayment amount will be displayed to you.
You will also be able to view your loan repayment amount while applying for a loan

The maximum loan amount accessible via the Credit Direct Customer Portal is N5,000,000. However, the amount you can access is subject to a review of your Net pay and Debt Service Ratio.

Kindly visit your bank to update the phone number on your BVN.

This may be because “DND” (Do not Disturb) is activated on your line. To deactivate DND, follow the steps below:

1. For MTN Network, Text ALLOW to 2442
2. For AIRTEL Network, Text ALLOW to 2442
3. For GLO Network, Text CANCEL to 2442
4. For 9MOBILE Network, Text START to 2442

If you have tried the above without success, please return to the Customer Portal Landing page and select the “Use Email Instead” option to register. With this, the OTP will be sent to your email address.

You may also send an email to contact@creditdirect.ng or call 02014482225 to have us review your profile.

Review and ensure that your email address is correctly entered, then check your mailbox for an email from Credit Direct (noreply@creditdirect.ng ). Please also check your junk and spam folders.

If you have tried the above without success, please return to the Customer Portal Landing page and select the “Use Phone Number Instead” option to register. With this, the registration OTP will be sent to your phone number.

You may also send an email to contact@creditdirect.ng or call 02014482225 and have us review your profile.

This message implies that you already have an online profile with CDL. Please proceed to login with your user ID and password.

Your user ID is your Phone Number, Email Address or CDL Customer ID.

*If you are unable to remember your password, click the “Forgot Password” link, enter your email address or phone number, and your OTP (One Time Password) will be sent to the details provided.

Retrieve the OTP received, input same into the space provided and create your new password.

You may be unable to change your disbursement account as your disbursement account has to be the same as your salary account..

If your salary account has changed, you can update this while applying for a loan. You will see the prompt “update your salary account”. We will verify your update and approve it upon successful confirmation.

Your repayment would be automatically deducted from the means of repayment set-up on your loan.

However, you may contact us to further discuss your repayment. Please note that loan deferment/restructuring is subject to approval, so kindly reach us via email: contact@creditdirect.ng or call 02014482225.

You can re-apply for a loan immediately after completing your current loan repayment.

You may also access an additional loan (Top-up Loan) while running your current loan. Once you are due for a top-up, you will find the option to top up your current loan on your portal dashboard.

You may have gotten this error due to the following reasons:

1. Your username is incorrect.
2. Your password is incorrect

What to do?
1. Enter your correct username which could be your email address, customer ID or phone number. Any of these would serve as your username.

2. Enter your correct password. If you are unable to remember your password, click the “Forgot Password” link, enter your email address or phone number, and your OTP (One Time Password) will be sent to the details provided.

If you are still unable to log in, please send an email to contact@creditdirect.ng or call 02014482225 to have us review your profile. If you are still unable to log in, please send an email to contact@creditdirect.ng or call 02014482225 to have us review your profile.

You may have gotten this error due to the following reasons:
1. Your card service provider is currently unavailable. 2. Your card details may have been entered wrongly. 3. Your card account may not be sufficiently funded. 4. There may be a temporary downtime on the wallet service

What to do?
1. Check that your card numbers and PIN are correct.
2. Check that your account is sufficiently funded.

3. If the issue persists, wait for a Credit Direct customer care representative to contact you or reach us via email (contact@creditdirect.ng ) or telephone (02014482225).