# Credit Direct Mobile — Send, receive, & grow money

> Secure mobile finance app for transactions, bill payments, and earning daily interest. (iPhone/iPad app by CreditDirect.)

- Source: https://appshunter.io/ios/app/credit-direct-mobile/id6505102415 (this page in markdown: same URL + `.md`)
- Developer: [CreditDirect](https://appshunter.io/developer/1524690962)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.00/5 from 76 App Store ratings · 15 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 125 MB
- Languages: American English
- Released: 2025-03-20
- Data updated: 2026-09-02
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/credit-direct-mobile/id6505102415/reviews.md

## What is Credit Direct Mobile?

Credit Direct: All your money moves in one app 

The Credit Direct app gives you secure access to the financial tools you need to borrow, pay, and grow your money, all in one simple app. 


* Send, Receive & Earn Interest on your Wallet Balance 
- Send and receive money with zero transfer fees. 
- Earn 10% p.a. on your wallet balance. 


* Apply, Track, and Manage your Loans with Ease  
- Apply digitally, no agent needed. 
- Track and repay all loans in minutes. 
- Available to salaried employees, federal and state civil servants freelancers, and more. 


* Grow Your Money with Yield (Up to 21% p.a.) 
- Fixed Yield: Fixed Yield allows you set money aside for a defined period while earning attractive returns. Structured for long-term goals like rent, car purchase, wedding plans, etc. Lock funds for 1–12 months, earn up to 21% p.a. (₦50,000 minimum investment). 
- Flex Yield: With Flex Yield, you can earn returns while still having some access to their money. Fund your Flex Yield with ₦50,000 and above and earn 15% p.a, with interest paid into your Flex Yield wallet on the first day of every month. You can also access up to 4 free withdrawals per month. 
- Target Yield — Put aside money in small amounts over a period to fund a specific goal, whether it is a vacation or for school fees. Contribute as little as ₦1,000 daily, earn 15% p.a when you meet your goal. 
- Gift a Yield — Give someone an investment plan.  It is a thoughtful and practical way to appreciate loved ones while helping them grow money. The recipient earns up to 21% per annum once the gift is claimed.  


* Pay Bills & Buy Airtime/Data 
- Pay electricity bills, cable TV, and buy airtime/data for yourself or loved ones in a few taps. 


Customer Support  
Get answers to all your questions 24/7 from CLARA. On the app, simply select Account > Settings > Need help? To reach CLARA on all available channels.   

Secure & Trusted 
Credit Direct is licensed and regulated by the Central Bank of Nigeria (CBN). A Fintech arm of FCMB Group, Credit Direct has served millions of Nigerians for close to two decades.

## Key features

- Send and receive money for free
- Pay bills (electricity, cable TV)
- Earn daily interest on savings
- Flexible and fixed savings plans
- Gift investment plans
- Secure transactions with BVN/NIN verification

## Recent user reviews (10 of 15)

All indexed reviews: https://appshunter.io/ios/app/credit-direct-mobile/id6505102415/reviews.md

### 1/5 — Dissatisfied and Disappointed regarding longstanding issues yet attended to despite several complain

*2026-08-27*

The customer service is poor and the process is a lot less than what it’s being said of.. i have an application with a status showing it’s been approved yet it’s been pending for over 48 hours and I am yet to get any positive results and this is a very frustrating situation for me considering the situation with which I was compared to applying for the loan this is a devastating service you render and it’s also my second time experiencing such pain and ugly experience in the process of getting a loan from you and i don’t appreciate the inconvenience caused by this service 🤬

### 5/5 — Mr Adewale

*2026-08-22*

Their good in loan disbursement

### 5/5 — Great app

*2026-08-05*

A one stop shop for all my financial activities. Loveeeet!

### 5/5 — Legit

*2026-07-03*

Very fast and transaction

**Developer response:** We're so glad you're with us! It's awesome to know the app is working for you. BO

### 1/5 — Terrible customer service

*2026-03-09*

No customer service whatsoever

### 5/5 — KUDOS

*2026-01-24*

I am happy with the amount of data one can access on the app.

But I hope it gets better in future

### 3/5 — Bug

*2025-12-11, version 1.1.3*

For almost 2 months I have been unable to log in to the app, currently unable to access the tier 2 and the transaction history failed to load, unable to create a plan on fixed yield. I don't know if it happens to other but guys need to look into it. Thanks.

### 1/5 — Worst App to ever exist on Apple Store

*2025-10-06*

Remove this app from apple store. Nothing works in the app

**Developer response:** Thanks for letting us know. That shouldn’t be happening. Please call 02014482225 or reach out to us on our social media platforms so our team can check what’s going on and help get it working for you. – BO

### 1/5 — Issue

*2025-08-02*

My I sent over 50800 to this app I haven’t received it I’m so tired I can’t wait till Monday FCMB won’t like me

**Developer response:** Hi, thank you for sharing your feedback, and we understand your frustration. Our payments are usually successful within a few minutes. However, if this issue still persists, please feel free to place a call to us at 02014482225 so we can jump on it and make sure you're taken care of.

### 5/5 — Credit direct

*2025-07-11*

One of the most best wallet app for making payments!!

**Developer response:** We're so glad you're with us! It's awesome to know the app is working for you.

## Frequently asked questions about Credit Direct Mobile

### How secure is Credit Direct?

Credit Direct is licensed and regulated by the Central Bank of Nigeria (CBN), ensuring your transactions are secure, transparent, and reliable. Account creation requires BVN/NIN for enhanced security.

### What are the interest rates for Credit Direct savings plans?

The Fixed Plan offers up to 21% annually, while the Flex Plan offers up to 15% annually. These rates allow your money to earn interest daily while it's in your account.

### Can I withdraw money from my savings plan?

Yes, the Flex Plan allows you to withdraw funds up to 4 times per month for free. The Fixed Plan is designed for longer-term structured growth, with withdrawal implications as per the plan's terms.

### What types of bills can I pay with Credit Direct?

You can pay various bills directly through the app, including electricity and cable TV services. This feature simplifies managing your recurring expenses.

### Is Credit Direct available on all devices?

Based on the provided data, Credit Direct is supported on iPhone and iPod devices. Compatibility with other platforms may vary.

### How often is Credit Direct updated?

The app was last updated on March 2, 2026, with version 1.3.3. Regular updates ensure the app remains secure and functional.

### What is the age rating for Credit Direct?

Credit Direct has an age rating of 4+, making it suitable for a wide range of users. This indicates it contains no mature content.

### How can I get help if I have a problem with Credit Direct?

Credit Direct offers 24/7 customer support via phone at 02014482225, 02017005120, or 0700CREDITDIRECT, and email at contact@creditdirect.ng.

## Version history (last 5 releases)

### 1.4.13 — 2026-08-29

- App Performance Improvements
- Fixed known bugs

### 1.4.12 — 2026-08-06

What's new

Improved the loan application process for a smoother and faster application experience.

Fixed bugs that were affecting loan applications and overall app performance.

### 1.4.11 — 2026-08-02

What's new

Improved the loan application process for a smoother and faster application experience.

Fixed bugs that were affecting loan applications and overall app performance.

### 1.4.9 — 2026-07-02

What's New

- Tier 2 users can now complete their address details and apply for loans directly in the app.
- Fixed profile completion links so all required application steps are now accessible.
- Updated loan tenure options to a maximum of 12 months in line with our lending policy.

### 1.4.8 — 2026-06-19

• Enhanced Loan Experience – We’ve improved our loan feature to make applications and loan management smoother and more accessible.
• Performance Improvements – General app optimizations for a faster and more responsive experience.
• Bug Fixes – Fixed known issues and improved overall stability.
 
Update now to enjoy the latest improvements.

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## Related topics

[direct credit](https://appshunter.io/ios/topics/direct-credit) · [primepay loan](https://appshunter.io/ios/topics/primepay-loan)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*