Refer & Earn
Turn your connections
into growth.
Why Join The Affiliate Program?
Competitive Commissions
Earn up to N500,000 on every successful loan referral. The more you refer, the more you earn.
Simple Registration
Get started in minutes with our streamlined registration process. No complicated forms or waiting.
Secure and Trusted
Your data is protected with bank-level security. BVN verification ensures trust and transparency.
If you’ve ever told a friend about how fast and easy it is to get a Credit Direct loan, now you can earn from it.
Every successful loan that’s disbursed using your referral code puts money in your Credit Direct wallet.
How It Works
Ready to Start Earning?
Join thousands of affiliates who are already earning commissions.
Sign up today and get your unique referral code.
Everything You Need To Know
Anyone with a Credit Direct account can join. If you’ve ever taken a loan through our USSD, WhatsApp, or web channels — past or present, you’re eligible for the program..
Click the “Become an Affiliate” button above, read and accept the Terms & Conditions, register with your phone number, verify it, and your phone number becomes activated instantly, as a referral code.
Tell your colleagues to apply for a Credit Direct loan using your phone number as their referral code. On USSD, they can dial *5120*referral code#. On WhatsApp and the web portal, they can enter your phone number in the sections that require a referral code. Terms and Conditions apply.
You’ll earn 2.5% of every successfully disbursed loan made with your code. The more you refer, the more you earn.
When someone uses your referral code to apply and their loan is successfully disbursed, your total commission will be paid into your Credit Direct wallet.
You’ll receive weekly summaries of your referral performance via SMS and monthly payout updates when your total earnings hit your wallet.
No worries, our support team is ready to help them get sorted quickly (see below).
Need help or have questions?
If anyone you refer experiences challenges applying or getting onboarded:
- They can chat with our support team on WhatsApp Or call our Customer Care line: 0700 CREDITDIRECT.
- They can also send an email to contact@creditdirect.ng.
Chat with Clara for instant access and quick answers to all things Credit Direct.
Frequently Asked Questions
1. You can buy higher-ticket items by spreading the cost over time, making expensive purchases more affordable.
2. Our easy down-payment and flexible tenor to enable you to make your purchase easily.
3. You get to take home your purchases immediately, enjoying the benefits of the product without waiting until you can afford the full price up front.
4. While we charge interest to remain profitable, our rate is very competitive, making it a more affordable financing option for customers.
5. Regular, timely repayments to help you build a positive credit history.
6. Fast and secured digital experience you can trust.
You may qualify for up to ₦1,000,000, depending on your profile. Your limit is determined after registration and verification to ensure it aligns with your financial needs.
To complete your registration, you’ll need:
1. An active bank account in your name.
2. Your Bank Verification Number (BVN)
3. A phone number linked to your BVN
4. Employment details (for salaried or business owners)
5. Personal information, including your residential address
6. An active ATM card linked to your account
7. A unique email address for secure transactions
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.
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 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.