Phone number: 09063170721


How do i apply?

Click here to get started or call us on: 09063170721

What do i need to be eligible for loans?

  • You must be between 22 and 58 years old.
  • You must be in paid employment with an active salary account.
  • You must live and work in Lagos state.
  • You must have a pension account.
  • You must present a letter of Employment, Confirmation, or Promotion.
  • Valid means of ID card ( both work & a National ID card).
  • Recent utility bill.
  • 6 months (most recent) salary account bank statement which our staff will pickup at your bank or have your bank email it directly to us at: [email protected]

What is the minimum and maximum amount i can borrow?

You can access loans between N50,000.00 to N5,000,000.00

What is the interest rate on loans?

Interest rate on all our loans is risk based. We make sure our customers get the best pricing.

Must i be employed before i get loans?

Yes, you have to be in paid employment before you can access our loan products.

Can i make a part payment on my loan?

Loan repayment date and amount to be repaid are agreed before disbursement. So No, you cannot make part payment on your loan or change repayment date.

Can I pre-liquidate my outstanding loan?

Yes you can pre-liquidate your loan, however there is a pre-liquidation fee on the loan value.

How early can I apply for another CredCentral loan?

You can apply immediately after full repayment of an existing loan with us.

How do i pay back my loan?

Loans can be paid back with NUBAN bank Cheques or Direct Debit.

How do I repay if I don’t want my cheques presented?

If you do not want your cheques presented, we have to be notified 48hrs before due date. And you can make payments directly to our bank account below at least 24hrs before payment date on the cheque:

First City Monument Bank (FCMB)


Account number: 4185030022

How do i get confirmation that my loan has been approved?

An email will be sent to you with details of your Loan. Also a text message will be sent to your phone. Please make sure you provide all your correct contact information to make this possible for us.

Can i have multiple loans?

You cannot apply for more than one loan at a time. But you can have a loan top up after making at least 3 consecutive repayments.

What is a top up loan?

A top up loan is an additional loan request that is added to your existing loan. This can only be done after at least 3 consecutive repayments.

Can i change the loan amount applied for?

This cannot be changed after disbursement is made to your bank account. It can only be changed before CredCentral makes disbursement to you.

Do i need to come to the office to apply or pay back a loan?

No, just visit our website or call us on 09063170721, and our sales team will be in touch with you. You do not need to come to the office from application till disbursement and even repayment.

Can i change repayment date?