Credably

For customers

Buy now, pay in installments.
Build your credit while you do.

From a new phone to a work laptop — split the cost into small payments that fit your income. Transparent terms. No hidden fees. Repay early, no penalty.

Find a store near youCheck what you need

Available at any Credably merchant partner across Nigeria.

Customer checking their Credably repayment schedule on a phone

Eligibility

What you need to apply.

Four things. Most Nigerians already have them. No paper documents, no in-person visits.

Valid BVN

Your Bank Verification Number — we use it to confirm your identity in seconds.

An active bank account

Any Nigerian commercial bank. We read 6 months of transactions through regulated APIs.

An active phone number

Connected to your bank account. We use it for one-tap approval codes.

A regular income inflow

Roughly ₦30,000 or more per month into the account. Salary, business, or gig earnings all count.

How a decision is made

A score from your bank data, not a form you filled in.

Your real financial behavior collapses into a single number — called your Credably score. The bands below show what each range means.

Preview

Toggle to see what each band means

460/ 1000

Starter

Lower band. Limited credit, shorter tenors. Repay on time to grow your limit.

04906901000

Starter

0–490

Lower band. Limited credit, shorter tenors. Repay on time to grow your limit.

Building

500–690

Mid band. Approval in minutes for purchases up to your limit. Good track record grows your access.

Credably

700–1000

Top band. Higher limits, longer tenors, and the best rates. Reserved for the most consistent profiles.

Just landed

New in.

The latest additions across the Credably merchant network.

New products soon

Catalogue updates as merchants add inventory.

New products soon

Catalogue updates as merchants add inventory.

New products soon

Catalogue updates as merchants add inventory.

New products soon

Catalogue updates as merchants add inventory.

Find a store

Pay in installments near you.

Browse active Credably merchants. Tap in for address, hours, and how to qualify.

See all stores

Onboarding merchants near you

We're launching in Abuja, and First first. Tell us where to prioritise next.

Use the store locator

The difference

Credably vs the alternatives.

Feature
Other lenders
Credably
Approval time
Days
Minutes
Interest transparency
Hidden fees
Total cost upfront
Early payoff penalty
Often charged
Always free
Credit you build
Rarely reported
On every on-time repayment
Data use
Often sold to marketers
Permissioned only, audited

Comparison is directional. Sector-true claims are pending a formal review.

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.

Wuse, Abuja • Smartphone, 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.

Jabi, Abuja • Work laptop, paid over 3 months

Stories from real customers. Become one of them by applying today.

Apply now →

After you swipe

What the app does for you, every day.

No surprises, no runaround. The app shows you exactly what you owe, when, and what to do if life happens.

Every due date, every amount, the total you'll pay. No surprises, ever.

9:41Credably

Your plan

6 months

Outstanding

₦151,800

of ₦208,200 total

  • Today₦34,700
  • Sep 14₦34,500
  • Oct 14₦34,500
  • Nov 14₦34,500
  • Dec 14₦34,500
  • Jan 14₦13,800

Built for Android, iOS and the web.

See a repayment plan

Your questions, answered.

We've heard them all. If we missed yours, hello@credably.ng.

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

A customer applies at any Credably merchant partner, gets a credit decision in minutes, and repays in installments over 3 to 12 months. The merchant receives full payment upfront from Credably.

A valid BVN, an active commercial bank account with regular inflows, an active phone number, and residence in Nigeria. No paper documents required.

We read 6 months of bank transaction history through regulated APIs, validate the BVN, and run identity checks. We never see or store bank credentials.

Yes. Early payoff is always allowed with no penalty. Your remaining interest is prorated and shown before you confirm.

We notify you the day before, on the day, and three days after a missed payment. A late fee applies after a 5-day grace period. We report repayment behavior to your Credably score so future limits grow with on-time payments.

Yes, NDPC-certified and actively engaged with relevant regulators

It is a short-term credit product, not money in your account. We pay the merchant in full for your purchase, and you pay us back in fixed installments over the period you choose. There are no surprises.

We use your BVN only to confirm you are who you say you are. We do not see your bank balance or move money from your account using it. BVN verification is required by Nigerian regulators and helps prevent fraud.

Not yet. Today you can apply and manage your installments from our customer web app at https://customer.credably.ng. An Android and iOS app is on our roadmap.

Repayments are paid by direct debit from the bank account you signed up with, or by manual transfer if direct debit is not available. Card and USSD repayment options are also available.

Most applications get a decision in under 5 minutes. A decision is either approved or declined based on your eligibility for the product.

Your limit depends on what we see in your bank statements and your repayment history with Credably. New customers typically start between ₦20,000 and ₦150,000, and your limit grows automatically as you pay on time.

Use the Contact page and pick “General question”. Most messages get a reply within one business day. For an existing order, you can also reach out to us via phone call or live chat directly through the customer app.

Your bank credentials never touch our servers. We use regulated APIs to read transaction history, encrypt data in transit and at rest, and retain personal data only as long as the law requires. You can request deletion at any time.

Not yet. A verified BVN is currently our primary identity signal. We are working on NIN-led onboarding for customers without a BVN and will announce it when available.

Today we serve customers across Nigeria, but merchant coverage is concentrated in Abuja, Lagos and Benin city for our pilot. Browse stores on /stores to see the current list, or join the waitlist at a store near you.

A soft inquiry at application time does not affect your score. A repayment default is reported to your Credably internal score and may be visible if a regulated credit bureau later joins our reporting flow.

Tell us before the due date. You will have the option to pay to extend the due date. Silent default is what hurts your score the most — talking to us protects it.

Find a Credably merchant near you.

Start shopping with installments at any partner store, or apply to be one.

I’m a customerI’m a merchant