How it works
From your phone to your front door.
No paperwork. No bank visit. No guarantor. Here's exactly what happens, end to end.
Sign up with your phone number.
We verify your identity using your BVN. The whole thing takes about two minutes. No paperwork. No bank visit.
Get your credit limit.
Our system assesses your eligibility instantly. You see your limit upfront, and you'll know exactly how much you can borrow before you ever walk into a store.
Shop at any partner merchant.
Online or in-store. Pick what you need — electronics, generator, motorcycle, appliances. If they're a partner, you can pay with XCred.
Pay a small down payment.
Usually 10–25% of the item price. You walk out with your item the same day. The merchant gets paid in full immediately. You take on a structured loan with terms you've already agreed to.
Pay back in installments.
Weekly, monthly, or every three months — you choose what fits your income. We debit your linked account automatically on your chosen payday. You're never surprised.
Ready when you are.
We're launching in Uyo first. Join the waitlist and we'll email you the day we go live.