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CredPal

CredPal

Pay Later | Loans | Invest

947 ratings
80 reviews
💼 Business
💰 Finance

Archived App (Last seen on 28 Jan 2026)

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • December 10, 2020
  • November 26, 2025

Features

Developer

Crednet Technologies Inc
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CredPal screenshot #1 for iPhone
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iphone
ipad
📌Ready
Reviews summary↘︎
⭐80
Reviews↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦w/o updates
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

About

Access online loans and a buy now, pay later service for electronics and other purchases. Manage repayments, build credit, and even invest your money.

✓Online cash loans
✓Buy now, pay later for purchases
✓Credit card for small purchases
✓Investment options
✓Manage repayment schedules
✓Increase spending limit
Show original description

What users say

Summarized from real user reviews of CredPal. Based on 947 reviews and a 4.4/5 average, it highlights the 19 positives and 39 negatives reviewers mention most about this Finance app.

Positive things

  • 💯Good service
  • 👍Best app I've seen so far
  • 👍I recorded the app
  • 💰I was given a credit of 60k
  • 👍The shop now pay later option really helped me out
  • 👍They are amazing
  • 👍I appreciate the credit service and the low interest rates
  • 👍Credpal gets it right
  • 👍Fast and reliable
  • 👍The % is attractive. And the service is excellent
  • 👍Seamless and Easy to Use
  • 👍Lovely financial app to build your credit score
  • 👍The best app when it comes to credit
  • 👍Perfect Investment App
  • 👍Good platform but not instant loan as they say
  • 👍Obviously one of the best financial apps I've ever used
  • 👍Very good app
  • 👍The best in Nigeria so far when it comes to credit management
  • 👍Best app and CredPal customer support one of the best in Nigeria

Negative things

  • 🤬Sha
  • 🐛A big buggy
  • 🤬Scam app
  • 🤬Loan shark
  • 🤬If you value your Sanity and peace of mind, Avoid this app at all cost!
  • 🤬Download and use at your own risk!!!
  • 🤬SCAM APP, USE AT YOUR OWN RISK
  • 🤬Poor customer service
  • 🤬It's a mediocre app
  • 🤬Scam
  • 🤬Bad app
  • 🤬Terrible customer service
  • 🤬Scamers they're scamers
  • 🤬Why can't I withdraw
  • 🤬Very good app but extremely poor customer service
  • 🤬Not for everyone
  • 🤬Thieves
  • 🤬Only for Nigerian phone numbers
  • 🤬Useless
  • 🤬Missing money and locked account
  • 🤬Rubbish, can't unlock portfolio
  • 🤬Help
  • 🤬Bad service
  • 🤬Can't transfer
  • 🤬Location problem
  • 🤬No work in United state?
  • 🤬You have to have a Nigerian Number... smh
  • 🤬Phone # area not working
  • 🤬Can't a code to verify my Bvn
  • 🤬Unknown error while trying to activate card
  • 🤬Bad
  • 🤬Inconvenience
  • 🤬Failed Transaction
  • 🤬Scammer
  • 🤬Not good at all
  • 🤬Account processing for almost a week now...
  • 🤬Unable to use app after being Charged #250 for the app on bank account
  • 🤬Fix this
  • 🤬Zero engagement
See all reviews

What's New in CredPal

0.19.2

November 26, 2025

In this version we improved our chop experience We added Flex savings we optimized app's perfomance

More

User reviews

Most RecentHighest RatedLowest Rated

Sha

Hey Credpal you are really a pain to the brain firstly you deduct money which wasn’t successful due to system error then after all my complaints you just keep clearing my complaints and Ignoring them and you sent a mail where I said it was successful I sent screenshots of the only transactions that went through yet you turn a blind eye

That live chat is supposed to be called Dead chat not live Chat

Outside this my experience has been cool
But I’ll definitely not recommend anyone downloading the app until this issue is resolved
Show more
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Response from developer

Hello! We’d love to hear from you and help resolve your complaint. Please send us a direct message (DM) on Instagram (@credpalhq) or send a mail to hello@ctredpal.com with: Your user email used in registering on the app. Our team is ready to assist you promptly!. We will appreciate if we can get a 5 star rating from you.

Best app I’ve seen so far

Best app I’ve seen so far
CallmeTito95CallmeTito95

I recorded the app

The app is very good
best Janet37best Janet37

Unrealistic

It’s an unrealistic app and probably looks like misleading, I don’t think any serious customer would want to waste their time on such financial app like this compared to Opay and PalmPay, you can’t even risk a big amount of money
LukingudLukingud

🤬🤬

I was given a credit of 60k I withdrew 57k and it hasn’t been credited to my account
mosesnewtonmosesnewton
See 75 more reviews

User experience

🐞

Reported Bugs

4 issues

Login screen freezes

Bug

Incompatible with older devices

Bug

Verification cam won't turn up

Bug

Face verification

Bug
✨

Requested Features

3 requests

Dark mode option

Feature

Advanced analytics dashboard

Feature

Ability to change bank account details

Feature

FAQ

What can I use CredPal for?

CredPal allows you to borrow money online for various purchases, such as phones, laptops, and electronics, using a buy now, pay later service. You can also use the CredPal card for small ticket purchases, emergency cash needs, and to pay for bills and subscriptions. Additionally, the app offers investment opportunities to grow your money.

What are the loan and credit card terms?

Online loan limits range from ₦5,000 to ₦500,000 with repayment periods from 30 to 180 days and interest rates from 4% to 9%. The CredPal card offers a credit limit from ₦5,000 to ₦500,000 with a repayment period of 29 days and interest rates from 3.8% to 8%.

How do I apply for credit with CredPal?

To apply, download the app, sign up, and then apply for credit by providing the required details. Once approved, you will receive your credit card to access funds. For buy now, pay later purchases, find stores within the app or use merchant payment links to split your purchase into repayments.

Who is eligible to use CredPal?

To be eligible for CredPal services, you must be a resident of Nigeria and be between 22 and 55 years old. Specific requirements may vary for loan applications and other services.

How can I repay my CredPal balance?

You can easily repay your credit card balance or buy now, pay later purchases through the 'payment' section in the app. Alternatively, you can make a bank transfer to CredPal's designated bank account for convenient repayment.