For customers
Buy now, pay in installments.
Build your credit while you do.
From a new fridge to a work laptop — split the cost into small payments that fit your income. Transparent terms. No hidden fees. Repay early, no penalty.
Available at any Credably merchant partner across Nigeria.
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 Open Banking APIs.
An active phone number
Connected to your bank account. We use it for one-tap approval codes.
A regular income inflow
Roughly ₦50,000 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
Building
Mid band. Approval in minutes for purchases up to your limit. Good track record grows your access.
Starter
0–49Lower band. Limited credit, shorter tenors. Repay on time to grow your limit.
Building
50–69Mid band. Approval in minutes for purchases up to your limit. Good track record grows your access.
Credably
70–100Top band. Higher limits, longer tenors, and the best rates. Reserved for the most consistent profiles.
The difference
Credably vs the alternatives.
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
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.”
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.”
Tunde O.
Ibadan • ₦350k work laptop, 9-month plan
Placeholder stories — to be updated with real pilot customers.
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 Open Banking 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.
We are NDPR-aware and operating with active regulator engagement. Our regulatory registration is in progress; updates will be posted to this page.
Find a Credably merchant near you.
Start shopping with installments at any partner store, or apply to be one.