Easier Credit Solution for Salary Earners in Nigeria


Credit Wallet is a lending platform powered by Princeps Multipurpose Cooperative Society that uses data technology to facilitates credit facilities for salary earners in Nigeria. We do NOT collect collateral or stress you with documents or forms. We are the credit system on the go!


Download the mobile app from Google Playstore or App Store for iOS users and install on your mobile device

Get Started/Login

Create Account, Connect your Bank Verification Number and Verify your account or login to access your existing account


Apply for by providing the required documents


Expect the cash in your account


Register as an agent and get paid for every loan customer you register


Frequently Asked Questions

How long does it take to get Credit Wallet Loan?

We do NOT guarantee a time within which you will receive your cash in your account, but most customers complete the application and receive the money in their bank account within a few minutes. 

How do i pay back my loan?

Click on the the paynow menu on both the website or mobile app

Who should I do to submit a comment, question or complaint?

Just send an email to

What are the requirements?

Your payslip, bank statement and cheque for your salary account. Please note that Cheque is required  if we are not in partnership with your employer

How do i qualify for CreditWallet Loan?

You must be at least 18 years of age; You must have a registered sim card in Nigeria you have been using for at least 3 months, a proven source of income

What happened if i fail to pay?

If you do not pay your loan within 30 days, your loan will default and a 15% default fee will be added to your loan. More importantly, there are several other consequences if your loan defaults:

    1 ) Numbers in your call contact are notified that you have not paid your loan

    2) Our loan recovery team will track you down to collect payment

    3) You are reported to the credit bureaus which affects your ability to get a loan from any bank or money lenders

If I am having financial problems can I work out a payment plan or delay the due date?

If you are having financial problems and cannot pay your loan, please contact customer care by sending email to to find a solution. It is much better for you to engage customer care before the loan due date. 

Why is my BVN required?
We request your BVN as this is used to verify that the user applying for a Credit Wallet loan is the same as the owner of the provided bank account, to eradicate mulitple account and also to make sure the user is a Nigerian and Above 18 Years

Repayment Calculator

Need a loan? Use our repayment calculator to know the monthly repayment