CredPal Loan App Review, requirements and how to apply

With CredPal loan app you can get up to 2 million Naira loan to buy now, pay later. In addition, you can  Invest & earn up to 18% .

The information provided in this article concerning this app is based on information available from the owners of the app.

CredPal offers buy now pay later and credit card services you can use at any time. Buy phones, laptops, electronics, and other products now and pay later.


Buy now, pay later (BNPL) features Of CredPal:

1. Minimum Limit – ₦100,000

2. Maximum Limit – ₦2,000,000

3. Minimum Period – 60 days

4. Maximum Period – 180 days

5. Maximum APR – 83%


Example of CredPal Buy Now, Pay Later

Loan Limit: ₦100,000

– Loan Term: 180 days

– Repayment periods: 6

– Repayment Frequency: Monthly

– Interest rate @ 6.5%: ₦39,000

– One-off Management fee @ 2%: ₦2,000

– Total cost of Loan: ₦141,000



How to Use CredPal:


To apply for buy now pay later on the CredPal app, follow the following steps.


1.  Download the CredPal app and sign up

2. Apply for Credit and provide the required details

3. Get Approved for Credit

4. Get your buy now, pay later credit card to shop, and pay overtime.


To buy now, pay later:


1. Find and visit your favorite stores within the CredPal app or via the

2. merchant’s payment link

3. Add your product information

4. Split your purchase into 6 repayments




When you pay with CredPal, you get a complete overview of all your purchases and installments plans which helps you to keep track of all your purchases with their payment schedule.





The more you shop and make timely repayments, the more your credit limit increases and the more access you have to our deals and offers.



Features Of CredPal Investments


Grow your money the smart way by investing with CredPal

* Create multiple investment wallets to meet different goals.

* Earn up to 18% on your investment capital per annum.

* Invest with 1,000 Naira and above within 1 – 12 months.

* Safe and secure with bank-level security, end-to-end encryption protocols, and other security technologies.


Business Name: Crednet Technologies Limited (DBA) CredPal




The CredPal app has been developed using the best security and privacy standards to ensure absolute data security. When you download the CredPal app, they will ask for your permission to verify your personal and financial information. Their app is secure to use, they will not share your information with third parties without your consent.


For more information about their credit card or buy now, pay later services, please visit: or

Feedbacks From Customers Of CredPal

Many customers of CredPal who have used the app both for loan and investment comment that it works well and proved helpful to them.

However, some Customers of CredPal complain that the app malfunctioned often and needed fixing and that  CredPal support service wasn’t sometimes prompt in fixing the problems. Others complained about delays getting the money they transferred through the app into their bank account.


Contact Details Of CredPal


CredPal loves feedback! If you have any feedback, questions, or complaints, please contact them through the following channels:

Email: [email protected]





Phone: 017007999

Address:: Lagos, Nigeria

In conclusion, the above information about  CredPal app is provided to assist you when you have need for loan to enable  you weigh this against other options open to you so as to take an informed decision.


Equally note that our website, growfinance, neither gives loans nor promotes any loan app over the other but merely gives information to the public based on information available from app owners

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