Credit9ja Loan App Review – short-term instant loan in Nigeria

You’re in one of those situations where you need urgent 2k, you know you can repay it back in a few days because someone is also owing you money or you are expecting to get paid soon. Instead of begging friends and family for that urgent 2k, why not easily get it from Credit9ja.

Credit9ja was founded by a group of entrepreneurs who hope to bring better financial solutions to the long and tedious process of non bank people by combining the world’s leading technologies. Credit9ja is a simple experience, 100% digital and 0 paperwork.

Online loans can be helpful during emergencies, but they should not be relied upon to fund one’s lifestyle as they can be very expensive with high-interest rates.

What is Credit9ja?

Credit9ja is a Nigerian loan app that offers instant personal loans, for extremely short period of time, usually starting from 7 days to 180.

Practically, Credit9ja is not for business loan, the loans are meant for personal emergency use and for people who are confident they can repay in a very short period of time.

This app, is one of those loan apps that will request for your friend’s and family’s contact and call them when you default. To avoid such embarrassment it is best you repay your loans before the due date.

How to apply for a Credit9ja loan?

Loan application Steps:

  1. Download and install the Credit9ja app from the Google Play Store.
  2. Register an account.
  3. Select the product you would like to apply for.
  4. Fill out your basic information, then submit the application.
  5. Receive your loan straight into your bank account.
  6. You would be required to provide your BVN which will be used to determine your credit worthiness.
    When installing Credit9ja, they will require to be authorized to access your mobile information to verify your identity and assess your credit eligibility. Your data is protected by the highest security standards in the world. Under no circumstances will they disclose your information without your permission.

Credit9ja interest rate on loans?

Credit9ja interest rates varies According to your credit record, but you can expect on average an Annual interest rates(APR) from 10% to 50% per annum)
For example, for a NGN 5000 loan due in 180 days, 19.8% annul interest will be calculated as below: Interest: NGN 500019.8%=NGN 990
They would charge you NGN 990 as interest of 180 days repayment period.
The total amount repayments is NGN 5000+NGN 5000*19.8%=NGN 5990

Some customers have complained of higher interest rates as high as 20% for a seven day period.

Loans range is starting from a minimum of NGN 4000 to maximum loan amount of NGN 200,000.
Loan term: 91-180 days according to the company, but most customers say the loan tenure they received was less than 10 days.

Credit9ja Loan Eligibility:

Applicants must be Nigerian citizens or legal Nigerian Resident
They must be in the working group between the ages 20-55 years old.

Is Credit9ja legit?

Yes, Credit9ja is legit, there haven’t been any complaints of scam on their services. Read other customers review of their services on Play store before downloading the app.

Credit9ja customer care Contact

If you have any issues you can reach their customer care service via


A writer! Columnist and an academic researcher

One Comment

  1. I have never defaulted in paying this loan but just 2days late and the insults and publishing my name about and the loan wouldn’t even be due before the insults. I would never recommend this app to anyoneanyone. Very frustrating app.

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