Credably
Now onboarding pilot merchants in Lagos, Abuja & Ibadan

Credit for customers.
Checkout rails for merchants.

Credably powers consumer installments and merchant BNPL on the same risk engine. Built in Nigeria, for the way Nigeria pays.

I'm a merchantI'm a customer

NDPR-aware • Registration in progress • Abuja, Nigeria

Today

Outstanding

₦48,200

Mon₦4,800 ✓
Wed₦4,800 ✓
Fri₦4,800
Mon₦4,800
UsedLimit ₦120k
Today's sales
Live

₦1.84M

+34% vs. last week

New orderBNPL

₦124,000

Approved in 38s

Risk engine

How Credably works

Two surfaces, one risk engine.

Customers get clear installments. Merchants get a checkout upgrade. Both run on the same scoring model — so every repayment makes the next decision smarter.

Customer payments and merchant checkouts both flow into the Credably risk engine
Customer repayments + merchant settlements share one scoring model — the same signals that underwrite a new loan also flag merchant-side risk.

For customers

Buy what you need today. Pay in installments that fit your income. Build a credit history while you do it.

  • Apply with BVN + bank statement
  • Decision in minutes, not days
  • Repay weekly or monthly — no penalty for early payoff
See customer side

For merchants

Offer pay-in-installments at your checkout. We underwrite every customer. You ship the product — and get settled the next day.

  • Drop-in widget or REST API
  • We carry the credit risk end-to-end
  • Settled T+1, every business day
See merchant side

How it works

Three steps. From either side of the counter.

Customers

01

Apply in minutes

Customers connect a bank account with regulated Open Banking. We read six months of cashflow patterns — not just your stated salary.

02

Get a real decision

Five behavioural signals collapse into a single credit score. You see the band and the decision in under a minute, with the rate confirmed up front.

03

Repay on your schedule

Weekly or monthly auto-debit from your inflows. Pay off early, no penalty. On-time payments grow your Credably limit over time.

Merchants

01

Apply as a merchant

Five-minute form, no CAC-papers-in-the-mail wait. We accept merchant applications from registered Nigerian businesses.

02

Drop in the widget

One line of JavaScript — or call our REST API directly. Webhooks keep your order system in sync without polling.

03

Get paid Today

Every approved transaction settles to your account the same business day. We carry the credit risk and the collection work.

See customer detailSee merchant detail →

Why Credably

Credit, fit for Nigeria.

≤ 5 min

Apply time

Average from form submit to decision

T+1

Merchant settlement

Next business day, every business day

₦50k → ₦9.5M

Customer credit range

From first purchase to a full appliance

1 line

Merchant integration

Drop in a script, or call our REST API

We don’t just finance purchases.
Every transaction makes our credit model smarter.
That’s the gap between a lender and an infrastructure company.

Risk engine

Built on a credit engine that learns.

How we underwrite

Five behavioural signals collapse into a single decision you can see, in under a minute.

  • Income regularity — not just amount
  • Savings rate trends
  • Expense stability
  • Active debt signals
  • Emergency buffer

What we never do

Permissioned data only. Nothing scraped. Nothing sold.

  • Your individual transaction data with third-party marketers
  • Your repayment history with other merchants
  • Anything outside what you signed up for in the first tap
Every data point granted in one tap. Revocable in the same tap.

Customer stories

Real people, real purchases.

“I split it into six small monthly payments that fit my salary. No surprises, no late fees when I paid off early.”

A

Aisha A.

Lagos • Washing machine, paid over 6 months

“I didn't have ₦350k sitting around. Credably got me to yes in under 5 minutes — and I built credit while I paid.”

T

Tunde O.

Ibadan • ₦350k work laptop, 9-month plan

Placeholder stories — to be updated with real pilot customers.

Built for developers

Drop in a line. Ship in a day.

A tiny SDK, a clean REST API, signed webhooks, and idempotent endpoints. You don't need a payments engineer to integrate Credably.

checkout.ts
1"color: oklch(">0.">769 ">0.">165 ">70.">1)">import { Credably } "color: oklch(">0.">769 ">0.">165 ">70.">1)">from "@credably/sdk";
2
3"color: oklch(">0.">65 ">0.">04 ">222)">// "color: oklch(0.751 0.121 222.0)">1. Create a checkout session
4"color: oklch(">0.">769 ">0.">165 ">70.">1)">const session = "color: oklch(">0.">769 ">0.">165 ">70.">1)">await credably.checkout.create({
5  amount: "color: oklch(0.751 0.121 222.0)">124_000_00, "color: oklch(">0.">65 ">0.">04 ">222)">// ₦"color: oklch(0.751 0.121 222.0)">124,"color: oklch(0.751 0.121 222.0)">000 in kobo
6  merchantId: "org_xyz",
7  tenorMonths: "color: oklch(0.751 0.121 222.0)">6,
8  customer: { bvn: "***" },
9});
10
11"color: oklch(">0.">65 ">0.">04 ">222)">// "color: oklch(0.751 0.121 222.0)">2. Hand off to our hosted checkout
12window.location.href = session.url;

  • Drop-in widget

    Hosted page — no PCI surface on your side.

  • REST API

    Idempotent endpoints, signed webhooks, full lifecycle.

  • SDKs

    TypeScript, Python, PHP. Shopify and WooCommerce plugins.

  • Sandbox

    Test mode with realistic mock banks and BVN flows.

Read the docs →Request sandbox access

Common questions.

Credably is a credit infrastructure company for Nigeria. We power consumer installment payments and merchant BNPL checkouts on the same risk engine.

We are NDPR-aware and operating with active regulator engagement. Our regulatory registration is in progress; updates will be posted to this page.

Start in minutes.

Find a Credably merchant near you, or apply to become one.

I’m a customerI’m a merchant