Google Play Soon

Instant cash loans, right on your phone.

Borrow from ₦10,000 to ₦800,000 in the CreditVibe app. Instant credit decisions and direct payout to your Nigerian bank account in minutes.

COMING SOON ON Google Play
₦800,000 Maximum Limit
5 Mins Bank Disbursement
91 – 365 Days Repayment Period

Loan Calculator

Estimate your repayment before you borrow

Loan Amount ₦150,000
₦10,000 ₦400,000 ₦800,000
Repayment Tenor
Monthly Repayment ₦56,750
Principal Amount ₦150,000
Duration 91 Days (3 Installments)
Total Interest (4.5%/mo) ₦20,250
Total Payable ₦170,250
Get ₦150,000 · App Coming Soon

Sample calculation at 4.5% monthly interest (54% APR). Actual rate (3%–6%/mo) depends on your credit profile.

Borrow in 3 simple steps

Sign up, unlock your credit limit, and get funded straight from the CreditVibe app.

1

Download on Google Play

Install the CreditVibe app on your Android phone and create your account with your mobile number in seconds.

2

Unlock your limit

Enter your basic details and BVN in the app. Our system reviews your profile and unlocks your cash limit in 2 minutes.

3

Receive instant cash

Choose your loan amount and repayment period (91–365 days), confirm, and get cash sent straight to your bank account.

Built for everyday speed

Fast, straightforward mobile credit whenever you need extra cashflow.

5-minute payout

Approved loans are transferred straight to your Nigerian bank account 24/7, including weekends and public holidays.

Flexible installments

Choose a repayment schedule from 91 to 365 days that fits your monthly cashflow, or repay early anytime with zero extra fees.

Grow your limit to ₦800,000

Repay on time to automatically unlock higher loan limits up to ₦800,000 and lower monthly interest rates.

Clear terms, zero hidden fees

Know your exact interest rate and repayment schedule in the app before you accept any loan.

Who can apply

You only need four things to apply on the CreditVibe app:

  • Nigerian Resident: Aged between 21 and 58 years.
  • Android Phone: Download the CreditVibe app on Google Play.
  • Active BVN: Used strictly to verify your identity securely.
  • Bank Account: Any active commercial bank account in Nigeria.
Google Play · Coming Soon

Loan rates & APR

Standard parameters for all CreditVibe loans:

Loan Amount ₦10,000 – ₦800,000
Repayment Tenor 91 Days – 365 Days
Monthly Interest 3.0% – 6.0% / Month
Annual Percentage Rate (APR) 36.0% – 72.0% / Year
Upfront / Hidden Fees ₦0
Example: Borrow ₦150,000 for 91 days (3 months) at 4.5% monthly interest (54% APR). Total interest is ₦20,250, and total repayment is ₦170,250 (₦56,750/month).

Frequently asked questions

Download the CreditVibe app on Google Play, sign up with your mobile number, complete the 2-minute verification inside the app, and select your loan amount.
Once approved in the app, funds are sent directly to your bank account within 5 minutes, 24/7.
Repayment tenors range from 91 days (3 months) to 365 days (12 months). You can also repay early in the app at any time without penalty.
Your BVN is used strictly to confirm your identity and match your bank account name. It does not give anyone access to your bank funds.

Get up to ₦800,000 on your phone.

The CreditVibe Android app is launching soon on Google Play—instant cash loans sent straight to your bank account in minutes.