CredPal: Credit & Car Finance

Access credit. Finance a car. Save. Pay globally. Grow. CredPal is Nigeria's all-in-one credit and finance app. Access a revolving credit line of up to ₦5 million, apply for car financing of up to ₦20 million, pay internationally with a virtual USD card, grow your savings and settle bills—all from one app. 💳 CREDPAL CREDIT LINE Get a revolving credit line you can draw from, repay and access again without submitting a fresh application each time—unlike a one-time loan. ✅ Credit lines from ₦5,000 up to ₦5 million ✅ Use your available credit, repay and reuse it ✅ No fresh application for every drawdown ✅ Build access to higher limits with a positive repayment history ✅ Decisions typically provided within 2–5 minutes Limits, pricing and approval times depend on eligibility and assessment. 🚘 CAR FINANCING UP TO ₦20 MILLION Get financing toward an eligible vehicle and repay over time. Eligible customers can apply for car financing from ₦3 million up to ₦20 million. ✅ Repayment periods from 6 to 18 months ✅ Monthly repayment schedule ✅ Decisions typically provided within 24–72 hours Car financing is subject to eligibility, credit assessment, vehicle requirements and approval. Applicable interest, fees and repayment terms are disclosed before offer acceptance. 💳 VIRTUAL USD CARD Create a virtual USD card for eligible international payments, subscriptions and online purchases. ✅ View applicable exchange rates and charges ✅ Manage your card from the CredPal app Availability and acceptance may vary by merchant and transaction. 📈 SAVE AND GROW YOUR MONEY Start saving from ₦1,000 and earn up to 30% per year, depending on the plan. Create goal-based wallets and monitor your progress in the app. ✅ Create goal-based savings wallets ✅ Track your balance and returns ✅ Choose from available withdrawal options Rates and withdrawal conditions vary by plan. Review the applicable terms before saving. ⚡ PAY BILLS AND GET REWARDED Recharge airtime, purchase data and pay supported electricity and cable TV bills from the CredPal app. Cashback may be available on selected transactions or during eligible promotions. ✅ Airtime and data purchases ✅ Electricity and cable TV payments ✅ Fast payment processing ✅ Occasional cashback on eligible transactions Supported billers, processing times and cashback availability may vary. 🏦 CREDPAL CARDS Use and manage your eligible virtual CredPal card for supported online payments. ✅ In-app card controls ✅ Real-time transaction notifications Card availability, acceptance, fees and limits are subject to applicable terms. 📊 BUILD YOUR CREDIT PROFILE Consistent, on-time repayments can help you build a positive repayment history and may qualify you for higher credit limits and additional offers. Limit increases are not guaranteed and remain subject to eligibility, credit assessment and approval. 🔒 SECURITY AND TRUST CredPal is operated by Crednet Technologies Limited, licensed by the Central Bank of Nigeria. CredPal uses security controls designed to protect your account and personal information. Your information is handled in accordance with CredPal's privacy policy and applicable data-protection requirements. 📲 GET STARTED Download the CredPal app Create your account Select an available product Review and accept the applicable terms Credit and car-financing applications are subject to eligibility, credit assessment and approval. Interest rates, fees, limits and repayment terms vary by customer and product and are disclosed before acceptance. 💬 CONTACT AND SUPPORT Email: [email protected] Phone: 017007999 Web: credpal.com Instagram: @credpalhq X/Twitter: @CredPal Lagos, Nigeria REPRESENTATIVE CREDIT EXAMPLE Example — Loan of ₦100,000 over 180 days: Repayments: 6 monthly Interest (7%): ₦23,666.67 Management fee (2%): ₦2,000 Total repayable: ₦144,000