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Last version: 1.5.0

XCredit is an Android application with paperless microloans for Nigerian residents ages 18 years and above. It is possible to receive borrowed funds directly to a bank account and raise your credit limit with each repayment.

Xcredit Profile


XCredit offers clients loans for a tenure of three to six months. Also, the annual interest rate is unusually low for a Nigerian microfinancing application. You can expect to return from 12 to 24 percent as interest. For instance, OKash credit products have a daily reward of one percent with an APR of up to 360.

The financing amount starts from a few thousand and goes up to several hundred thousand nairas. The credit limit may grow with each timely loan repayment. Conveniently, there is no additional operational or processing fee.

The process of requesting is very simple. Citizens of Nigeria 18 years or older can create an XCredit profile. Applying is fully paperless and remote with filling in the necessary personal data. After approval, the money is deposited directly to the mentioned bank account.


  • paperless loan request filling;
  • money deposit straight to the bank account;
  • the app is free to download;
  • compatible with current Android versions.
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Android version
Android 4.4+
Latest Version
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