Quick, secure microloans in Nigeria with clear terms & flexible repayment
rediNaija provides quick and secure access to personal microloans with transparent terms. Designed for Nigerians who value convenience, safety, and clear repayment options.
Why CrediNaija?
Fast loan application with simple steps
Flexible loan amounts to meet your needs
Clear fees & transparent APR, no hidden charges
Safe & secure with data protection compliance
Easy repayment options from your bank
How It Works
. Download and register with your phone number
Fill in your basic information
Choose loan product, select repayment term, and submit application
Get approval and receive funds directly to your bank account
Repay on or before the due date
Eligibility
Nigerian resident, 18 years+
Valid phone number & bank account
Consistent income source
Loan Details:
Loan Amounts: ₦5,000–₦500,000
Tenure: 91 to 365 days
Annual Percentage Rate (APR): 25%–38%
Based on factors like credit score, income, and financial situation. APR may vary for each borrower.
Loan Example:
Loan Principal: ₦500,000
Loan Term: 365 days
Total Interest: ₦127,750
Service Fee: ₦0
Total Due:₦500,000+₦127,750=₦627,750
Annual Interest Rate: 25.55%
Compliance & Privacy
CrediNaija operates under Nigerian consumer protection regulations and complies with data protection standards. All customer information is encrypted and kept secure.
Privacy Policy: https://privacy.mficred.cc/privacy/
Customer Support: Available through the in-app support option