PUBLIC SECTOR LOANS
We pride ourselves as the most convenient and competitive loan providers in Nigeria with easy access and exit for Civil servants who work with the Federal and State Government.
Let’s prepare you for the unexpected.
FEATURES & BENEFITS
Our loans are fully unsecured with no collateral required.
Our repayment is easy with a wide range of channels and with a period of up to 36 months.
With a minimum loan amount of N20,000 and a maximum loan amount of N2,500,000, we can cover a wide range of needs.
If you need additional financing during your loan tenure, we can also offer you a top-up.
ELIGIBILITY CRITERIA
To start your journey to financial freedom with us, we need to know whether you check all our boxes. It takes around 2 minutes and it won’t harm your credit rating.
Have a staff Identification card
Live and or work in Nigeria
Be between 22 and 58 years old.
Possess a clean Credit Bureau Report.
Not have a history of returned cheques in your account.
Possess a verifiable monthly income and pension statement.
Run an account (Current or Savings) with a commercial Bank in Nigeria.
Present one recent passport photograph (within the last 6 months)
Possess a valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)
Have a salary bank statement for the last 3 months (must be stamped by the bank).
Got a question about our Sharp Sharp loans, how quick we disburse, or looking for other financial products?
1. Work with the Federal government
2. Provide a passport photograph
3. Staff identification card
4. Bank Verification Number (BVN)
5. 1 month most recent payslip and Bank Statement
6. SMS OFFER /PHYSICAL LAF for all employers excluding EFCC – Completed PHYSICAL LAF only
Requirements for returning customers is as follow:
1. SMS OFFER /PHYSICAL LAF for all business excluding EFCC – PHYSICAL LAF only.
2. 2 Credit Reports for loans above N350,000
3. 1 most recent Payslip and Bank statement
1. Work with the State government
2. Provide a passport photograph
3. Staff identification card
4. Bank Verification Number (BVN)
5. 3 Months Stamped Recent Bank Statement
6. 1 recent Payslip
7. Completed Loan Agreement Form (LAF) with properly executed terms and conditions overleaf.
Requirements for returning customers is as follow:
1. Completed Loan Agreement Form (LAF) with properly executed terms and conditions overleaf.
2. 1 recent pay-slip / 1 months Bank Statement
Top-up requirements 1. Duly Completed LAF
2. 1 recent pay-slip / 1 months Bank Statement
18 years & 6 months in service.
59 years & 34 years length in service.
Minimum amount is N20,000 while maximum amount you can access is N2,500,000 (higher amounts would require 2 MCC approval)
Yes, you must be a paid Federal/State government employee/worker
Yes, we require a Credit Check for our Federal and State Loans
No, you can apply for a loan via:
1. Website – www.creditdirect.ng
2. Visit to our office – 48/50, Isaac John
Street, Ikeja GRA
3. Dial USSD code- *5120#
4. Telephone 0700CREDITDIRECT, 02014482225
5. WhatsApp – 09070309430
It varies from about 4% to 4.95%. Terms and conditions apply
Yes, you can top-up your existing loan once you have made 2 months repayments on your existing 3 – 5 months loan, 3 months repayment on your existing 6-8 months loan, 4 months repayment on your existing 9 – 12 months loan and 6 months repayment on any loan from 12 months and above.
You can contact any of our Direct Sales Executives or Walk into any of our branches.
No, you would be unable to change your repayment due date. You can send the Termination Letter to Contact@creditdirect.ng for further investigation and review on a possible Loan Restructuring or Payment Holiday/Deferment Pan.
You will get an SMS or Email confirming that the funds have been disbursed into your salary account. If funds are not credited to your account within 24hrs, please send an email to Contact@creditdirect.ng
Yes you can and the interest for the unused months would be waived off.
Our interest rate is computed on a flat rate basis and charged monthly
There are no hidden charges, however, we only charge an upfront service fee which is a one-off payment before the loan is disbursed to your account.
Quick emergency Loans without collaterals for salaried workers who work with the Federal and State government.
Online – www.creditdirect.ng or using our USSD code *5120# or Visit our Head office – 48/50 Isaac John Street, Ikeja GRA Lagos or By Telephone – 02014482225 or on WhatsApp – 09070309430 or any of our Sales Agent.
The benefits of sharp loans include the ability to obtain funding quickly and easily, as well as the flexibility to use the funds for any purpose while enjoying a decent repayment period.
Loan Tenors range from 3 to 36 months.
Bank: FCMB
Account Name: CREDIT DIRECT LIMITED
Account No:0238850014
Immediately
Yes, you can have multiple loans with Credit Direct, but you can’t have multiple sharp sharp loans with us.
Yes, but it has to be done immediately after your loan application or before disbursement is done.
Not to worry, a refund will be processed to your account in less than 24hours. You can also call 02014482225 or send an email to contact@creditdirect.ng
Please send an email to contact@creditdirect.ng or call 02014482225 or chat us on WhatsApp on 09070309430.
There are no pre-liquidation charges
1. Please call the Contact Centre on 02014482225 or send us an email: contact@creditdirect.ng.
2. You can also chat with us via our website: www.creditdirect.ng or via WhatsApp: 09070309430. Our business hours are from 8am to 5pm (Mondays through Fridays), however our online channels like WhatsApp, work 24/7.
We are the Fintech arm of the FCMB Group, offering lending and fund management to individuals and businesses.
Copyright © Credit Direct Finance Company Limited. Authorized and regulated by CBN.
