# CreditWave — Quick Loans at Your Fingertips > Mobile app for quick loans, money transfers, and bill payments in Nigeria. (iPhone/iPad app by CREDITWAVE FINANCE LIMITED.) - Source: https://appshunter.io/ios/app/creditwave/id1635044978 (this page in markdown: same URL + `.md`) - Developer: [CREDITWAVE FINANCE LIMITED](https://appshunter.io/developer/1635044980) - Category: Finance - Price: Free - Rating: 2.13/5 from 46 App Store ratings · 19 written reviews indexed - Age rating: 17+ - Requires: iOS 12.0 · 44 MB - Languages: English - Released: 2023-10-01 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/creditwave/id1635044978/reviews.md ## What is CreditWave? At CreditWave, we aim to provide quick and easy access to financial services. Our app has been built by experienced developers and provide the following services; Loans 1. Limit range from NGN10,000 to NGN500,000. 2. Flexible repayment between 61days to 180days. 3. No collateral or paper work is required to access our various loan offers 4. There are no hidden or rollover charges. 5. Users who promptly repay their loans build their score and can be exposed to higher amounts. 6. Annual Percentage Rate(APR) from 18% to 33.6%. - CREDITWAVE INTEREST RATE AND LOAN REPAYMENT A customer can apply for a loan of ₦10,000 - ₦,000 without collateral and repay in 2 - 6 months. Monthly interest rates range from 1.5% - 2.8% and the maximum Annual Percentage Rate (APR) is 33.6%. No other fees are charged. EXAMPLE: Loan Amount: Ngn100,000 Loan Tenure: 6 months. Number of Repayments: 6 Monthly Interest Rate: 2.5% Monthly repayments: Ngn19,667.67 Total amount payable: Ngn115,000 APR: 30%. Several steps to get your loan 1 Download and register an account or sign into an existing account 2 Fill out the basic requirements 3 Apply loan online and get approved 4 Get your loan disbursed into your designated bank account. Loan applicant requirement 1. Nigeria resident 2. A valid BVN 3. A valid debit card with at least 3 months validity. 4. A personal email account 5. A personal bank account. Transfer money 1. Transfers to any bank or financial institution in Nigeria 2. Zero charges for all money transfers to CreditWave accounts. Pay bills 1.Recharge airtime and data. 2.Pay for water, electricity, TV and other utility bills 3.Pay 1800+ billers and service providers with a few fingertips Contact Us For more information, contents or suggestions: • We are available 24/7 to assist you with your request • Service Hotline: 09121692405 (9am - 6pm (Mon-Fri), Sat-9am-5pm) • Website: www.creditwaveng.com • Service Email: help@creditwaveng.com • Facebook : https://web.facebook.com/CreditWaveNG • Linkedin: https://www.linkedin.com/company/creditwave-finance-limited • Instagram: https://www.instagram.com/creditwave_ng/ ## Key features - Loans from NGN10,000 to NGN500,000 - Flexible repayment (61-180 days) - No collateral or paperwork required - Money transfers to any Nigerian bank - Bill payments and utility services - Airtime and data recharge ## Recent user reviews (10 of 19) All indexed reviews: https://appshunter.io/ios/app/creditwave/id1635044978/reviews.md ### 5/5 — 😡😡😡😡😡😡 God go punish una *2024-08-12* God go punish una ### 1/5 — Stupid app *2024-08-10* Very stupid app try and be better ### 1/5 — Review *2024-07-04* This is a scam app Y’all should not bother yourself downloading it cus won’t lend you they will only take your money ### 1/5 — Rubbish 😡😡😡 *2024-06-20* The app is fake guys don’t download it 🚨🚨🚨‼️‼️‼️they steal from people ### 1/5 — Scam and fraud *2024-06-03* Download at your own risk They are fraudulent ### 1/5 — SCAM APP!!! *2024-06-02* TOTAL WASTE OF TIME AND MONEY DONT NOT DOWNLOAD ### 1/5 — Same too *2024-06-01* They did the same to me too ### 1/5 — SCAM!!!!!!!!!! *2024-05-29* Scam! Scam! Scam!! Scam!!! Theives! ### 1/5 — Thieves *2024-05-25* You guys did not disburse any Mon to my account and you’re telling me to repay next month Walahi if I pay am make I die Shishi una no go see since yesterday ### 1/5 — Fake App *2024-05-22* Fake app ## Frequently asked questions about CreditWave ### What services does CreditWave offer? CreditWave provides quick and easy access to financial services. This includes offering loans with limits ranging from NGN10,000 to NGN500,000, flexible repayment periods, and no collateral requirements. Additionally, users can transfer money to any bank in Nigeria, pay various utility bills, and recharge airtime and data. ### What are the loan requirements and terms? To apply for a loan, you must be a Nigerian resident with a valid BVN, a debit card valid for at least 3 months, a personal email, and a personal bank account. Loans range from NGN10,000 to NGN500,000, with repayment terms between 61 and 180 days. The Annual Percentage Rate (APR) ranges from 18% to 33.6%, with monthly interest rates from 1.5% to 2.8%. There are no hidden or rollover charges. ### How do I get a loan through CreditWave? The process is straightforward. First, download the app and register or sign in. Next, fill out the basic requirements. Then, apply for a loan online and await approval. Finally, your loan will be disbursed directly into your designated bank account. ### Is CreditWave free to use? Yes, the app itself is free to download and use for accessing its services. While there are no upfront fees for using the app, interest and repayment terms apply to the loans obtained through the platform, as detailed in the loan terms and conditions. ### What are the benefits of repaying loans on time? Users who promptly repay their loans build a positive credit score within the CreditWave system. This improved score can lead to eligibility for higher loan amounts in the future, offering greater financial flexibility and access to more substantial funds for subsequent borrowing needs. ## Version history (last 5 releases) ### 1.1.3 (65) — 2024-06-27 Your favorite loan app just got a major upgrade! We've been busy behind the scenes, listening to your feedback and putting the finishing touches on a revamped experience that's even better than before. Here's what you can expect: A stunning new look: We've given the app a fresh, modern makeover that's easy to navigate and even more delightful to use. Bugs squashed!: We've meticulously gone through and fixed all the pesky bugs that might have been slowing you down. Now, it's smooth sailing all the way! Faster than ever: We've optimized the app for speed, so you can get to the loan options you need even quicker. Every second counts, right? Still got your back: Our commitment to providing you with convenient and accessible loan options remains unchanged. We're here to help you achieve your financial goals, whatever they may be. We've got your back in 2024, and beyond! ### 1.1.1 — 2024-02-02 Your favorite loan app just got a major upgrade! We've been busy behind the scenes, listening to your feedback and putting the finishing touches on a revamped experience that's even better than before. Here's what you can expect: A stunning new look: We've given the app a fresh, modern makeover that's easy to navigate and even more delightful to use. Bugs squashed!: We've meticulously gone through and fixed all the pesky bugs that might have been slowing you down. Now, it's smooth sailing all the way! Faster than ever: We've optimized the app for speed, so you can get to the loan options you need even quicker. Every second counts, right? Still got your back: Our commitment to providing you with convenient and accessible loan options remains unchanged. We're here to help you achieve your financial goals, whatever they may be. We've got your back in 2024, and beyond! ### 1.1.0 — 2024-01-15 Your favorite loan app just got a major upgrade! We've been busy behind the scenes, listening to your feedback and putting the finishing touches on a revamped experience that's even better than before. Here's what you can expect: A stunning new look: We've given the app a fresh, modern makeover that's easy to navigate and even more delightful to use. Bugs squashed!: We've meticulously gone through and fixed all the pesky bugs that might have been slowing you down. Now, it's smooth sailing all the way! Faster than ever: We've optimized the app for speed, so you can get to the loan options you need even quicker. Every second counts, right? Still got your back: Our commitment to providing you with convenient and accessible loan options remains unchanged. We're here to help you achieve your financial goals, whatever they may be. We've got your back in 2024, and beyond! ### 1.0.12 (61) — 2024-01-04 Get approved for a loan in minutes with our new app! Our platform offers a variety of loan options, including personal and salary loans. Plus, our application process is simple and straightforward. Download the app now and experience the convenience of quick and easy access to loans! ### 1.0.11 (60) — 2023-12-22 Get approved for a loan in minutes with our new app! Our platform offers a variety of loan options, including personal and salary loans. Plus, our application process is simple and straightforward. Download the app now and experience the convenience of quick and easy access to loans! --- *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 2026-06-10.*