rediNaija provides quick and secure access to personal microloans with transparent terms. Designed for Nigerians who value convenience, safety, and clear repayment options.
Why CrediNaija?
Fast loan application with simple steps
Flexible loan amounts to meet your needs
Clear fees & transparent APR, no hidden charges
Safe & secure with data protection compliance
Easy repayment options from your bank

How It Works
Download and register with your phone number
Fill in your basic information
Choose loan product, select repayment term, and submit application
Get approval and receive funds directly to your bank account
Repay on or before the due date

Eligibility
Nigerian resident, 18 years+
Valid phone number & bank account
Consistent income source
Loan Details:
Loan Amounts: ₦5,000–₦500,000
Tenure: 91 to 365 days
Annual Percentage Rate (APR): 25%–38%
Based on factors like credit score, income, and financial situation. APR may vary for each borrower.

Loan Example:
Loan Principal: ₦500,000
Loan Term: 365 days
Total Interest: ₦127,750
Service Fee: ₦0
Total Due:₦500,000+₦127,750=₦627,750
Annual Interest Rate: 25.55%

Compliance & Privacy
CrediNaija operates under Nigerian consumer protection regulations and complies with data protection standards. All customer information is encrypted and kept secure.
Privacy Policy: https://privacy.mficred.cc/privacy/
Customer Support: Available through the in-app support option