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Kredi – Loan, Savings & Bills

Kredi – Loan, Savings & Bills

Save, pay bills, & get loan

120 ratings
65 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • September 4, 2020
  • April 24, 2026

Features

Developer

KREDI MONEY MICROFINANCE BANK LIMITED
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About

Manage your finances with this all-in-one Nigerian finance app. It offers instant loans, automated savings with competitive interest rates, and seamless bill payments. You can also transfer money, receive payments, and get insurance for your devices and health.

✓Instant loans up to ₦50,000
✓Automated savings with up to 23% interest
✓Bill payments (cable TV, utilities, betting)
✓Fast intrabank & interbank transfers
✓Receive payments from all Nigerian banks
✓Kredi Mastercard management
✓Device and health insurance options
Show original description

What users say

Summarized from real user reviews of Kredi. Based on 120 reviews and a 3.0/5 average, it highlights the 16 positives and 19 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Fast and reliable services
  • 👍User-friendly interface
  • 💡Easy to use
  • ✅Nice banking platform
  • 🌟Best app encountered
  • 💯Security is 100% reliable
  • 💰Easy savings
  • 💳Quick loans with low charges
  • ✉️Prompt customer service
  • ⚡Fast transactions
  • 📲Intuitive application
  • 🛍️Immediate airtime/data delivery
  • 🏦Easy account opening
  • 💳Smooth and fast transfers
  • ✨Remarkable app
  • 😊Wonderful and reliable

Negative things

  • ❌Invalid account errors
  • 📉Loan eligibility issues
  • 🚫No customer care response
  • ⚠️Error code status 404
  • 📷Cannot upload pictures
  • 💸High charges for transfers
  • 💰Money deducted without service
  • ❌Account locked with funds
  • 💳Debited without receiving loan
  • ❌Ineligible for further loans
  • 🚫Cannot delete account/cards
  • ❌Failed transactions
  • ❓Referral code required for signup
  • 🚫Not eligible for services
  • 📉Poor customer care
  • 💳Cannot withdraw money
  • 🚫No refund for failed transactions
  • 🏦Funds debited but not credited
  • ❌Issues signing up
See all reviews

What's New in Kredi

2.24

April 24, 2026

Improved app performance and stability

User reviews

Most RecentHighest RatedLowest Rated

God would punish the founder of this deceiving app

This app is fake just wasted my data for nothing I needed urgent money and they are telling me to save up for about 2month before I can be granted a loan after giving them the necessary relevant details
slaywithbeeslaywithbee

AzeloMoney

AzeloMoney
AzelomoneyAzelomoney

Complaint

I have been trying to send money lately
But it keep saying invalid account

Pls find something to do about this
west sideswest sides

Scam zone

Scam zone
Scam zone ni yinScam zone ni yin

Scammer’s Alert

Run for your life!
They took my money and never delivered my card, they are scammers and their customer services stopped replying to me!
OctopusMikeOctopusMike
See 60 more reviews

Developer apps

Kredi Bizpay - Merchant POS
Kredi Bizpay - Merchant POS

Kredi meets your banking needs

💰 Finance
Free
Kredi Agency Banking
Kredi Agency Banking

by KREDI MONEY MICROFINANCE BANK LIMITED

💼 Business
Free
See developer apps

User experience

🐞

Reported Bugs

14 issues

Invalid account errors during money transfer

Bug

Error code status 404 during transfers

Bug

Cannot upload pictures on the app

Bug

Account locked with user's money

Bug

Debited from bank card without receiving loan

Bug

Ineligible for further loans after initial repayment

Bug

Cannot delete account or attached cards

Bug

Failed transactions (airtime, data, transfers)

Bug

Money deducted without receiving token for utility bills

Bug

Funds debited but not credited to the account

Bug

Cannot withdraw money from wallet due to insufficient funds error

Bug

Issues signing up due to referral code requirement

Bug

Not eligible for services

Bug

BVN verification failure

Bug
✨

Requested Features

8 requests

Ability to delete account and attached cards

Feature

Improved customer service responsiveness

Feature

Fix for invalid account errors

Feature

Resolution for transfer issues

Feature

Fix for upload picture functionality

Feature

Clarification on loan eligibility criteria

Feature

Option to remove referral code requirement for signup

Feature

Fix for money deducted without service delivery

Feature

FAQ

What does the Kredi app do?

Kredi is an all-in-one finance app designed for users in Nigeria. It allows you to take out instant loans, set up automated savings plans with competitive interest rates, and pay various bills such as cable TV, utilities, and betting services. It also facilitates money transfers and receiving payments.

What are the key features of Kredi?

Key features include nano loans up to ₦50,000, multiple savings products like Kredi Vault (up to 23% interest) and Kredi Safelock (18% interest), fast intrabank and interbank transfers, seamless bill payments, airtime top-ups, and the ability to manage your Kredi Mastercard. It also offers insurance options for phones, POS devices, and health.

Is Kredi free to use?

Based on the provided information, the Kredi app is free to download and use. There are no mentions of subscription fees, paid features, or in-app purchases. Monetization, if any, is not detailed in the description.

Who is the target audience for Kredi?

The app is primarily targeted at individuals in Nigeria who want to manage their finances more effectively. This includes those seeking quick loans, looking to save money with interest, or needing a convenient way to pay bills and transfer funds.

How can I save money with Kredi?

Kredi offers several savings products with attractive interest rates. You can use Kredi Vault to earn up to 23% interest with a 3-month duration, Kredi Safelock for 18% interest with flexible durations, Target Savings for flexible saving goals at 18% interest, and Kiddyvest for children's savings at 15% interest.