X
Cred
How it works
For merchants
About
FAQ
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FAQ
Honest answers.
No marketing-speak. Just what you actually want to know.
About XCred
Is XCred a scam?
Who is behind XCred?
Where are you based?
Eligibility
Who can use XCred?
What documents do I need?
Do I need to be employed to qualify?
Money matters
How much can I borrow?
What is the interest rate?
Are there hidden fees?
Can I pay off early?
Repayments
How do you debit me?
What if a payment fails?
What if I can't pay back?
Data and privacy
Why do you need my BVN?
Is my data safe?
Can I delete my data?
For merchants
How do I become a partner merchant?
When do I get paid?
What does it cost to be a merchant?