Credit9ja Icon


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Last version: 1.0.5

Credit9ja is an Android application offering microloans for the residents of Nigeria. This modern service does not require clients to visit a branch office like traditional banks.

Credit9ja Loan

Quick but expensive

This microfinance platform is one of many similar apps on the Nigerian market. The functionality and conditions of such services are more or less the same. OKash and Newcredit are two other examples of companies offering short term loans.

Clients can quickly borrow a small sum of money, up to a couple of hundred thousand nairas. If Credit9ja approves your request, it sends the funds directly to your bank account. The annual interest is quite high as it always is with this type of financial organization. For instance, they may charge up to 20 percent for a six months loan. Conveniently, there are no extra fees of any kind.

To apply, users should register in the system. The service is eligible for any legal resident of Nigeria ages 20 to 55. You will need to provide a photo of your ID along with a selfie. Additionally, Credit9ja requires a confirmation of your stable monthly income. The whole application process is paperless.


  • no additional hidden fees;
  • contactless work;
  • the app is free to download;
  • compatible with current Android versions.
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Android version
Android 4.4+
Latest Version
Publish Date
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