# Ohere Credit — Build credit with your card > Nigerian credit access and credit score building app. (iPhone/iPad app by Ether Labs.) - Source: https://appshunter.io/ios/app/ohere-credit/id6462688065 (this page in markdown: same URL + `.md`) - Developer: [Ether Labs](https://appshunter.io/developer/1703242073) - Category: Finance, Business - Price: Free - Rating: 3.70/5 from 3 App Store ratings · 2 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 84 MB - Languages: American English - Released: 2023-09-07 - Data updated: 2026-08-14 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ohere-credit/id6462688065/reviews.md ## What is Ohere Credit? Ohere helps working Nigerians access fairer credit, build a credit score, and manage repayments with more control. With Ohere, you can: • Apply for credit in one app • Complete your credit assessment • Access your Ohere card and starting limit if approved • Spend now and repay within your billing cycle • Get up to 42 days interest-free on eligible repayments • Extend your due date by 7, 14, or 21 days for a small fee when you need more time • Track your credit score and grow your limit with consistent repayment • Use AutoPay to avoid missed due dates Who Ohere is for Ohere is built for working Nigerians — whether you are a teacher, trader, driver, office worker, freelancer, or business owner. How it works 1. Create your account and complete your assessment 2. View your credit profile and eligibility 3. Get approved and receive your Ohere card 4. Use your credit for everyday needs, emergencies, or business expenses 5. Repay on time to build trust and unlock higher limits over time Why users choose Ohere • Clear, simple repayment structure • No hidden fees • Flexible repayment options • Credit designed to build confidence, not pressure Support Need help? Contact us through the app or via Ohere support. ## Key features - Apply for credit - Credit assessment - Access Ohere card - Spend now, repay later - Interest-free periods - Extend due dates - Track credit score ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/ohere-credit/id6462688065/reviews.md ### 5/5 — Great Credit App *2026-08-05* Excellent app! Everything works smoothly, and the latest updates make it even better ### 1/5 — Scam app *2026-05-17* Complete scam app, they’ll request you to pay the amount you want to before before they borrow it to you, don’t create an account with them, it’s a scam! **Developer response:** Hi , we’re sorry this was not clear. You were likely offered a secured credit card because you did not yet qualify for an unsecured card. The 1:1 refundable cash collateral is not a scam or hidden fee. After 3 billing cycles of on-time repayment within 28 days, you may qualify to graduate to an unsecured card. ## Frequently asked questions about Ohere Credit ### What is Ohere Credit? Ohere Credit is a finance app designed for working Nigerians to access credit, build their credit score, and manage repayments. It allows users to apply for credit, get approved for a card, and spend funds with flexible repayment options. ### How does Ohere Credit help build credit? Ohere Credit helps users build credit by tracking their repayment behavior. Consistent and on-time repayments allow users to grow their credit limit and improve their overall credit score within the app. ### What are the repayment options with Ohere Credit? Ohere Credit offers flexible repayment options, including spending now and repaying within a billing cycle, with up to 42 days interest-free on eligible repayments. Users can also extend their due date for a small fee. ### Is Ohere Credit available on all devices? Ohere Credit is available on iPhone, iPad, and iPod devices. The app is designed to be accessible on Apple's mobile operating systems. ### How secure is Ohere Credit? While specific security measures are not detailed in the provided data, finance apps typically employ industry-standard security protocols to protect user data and financial information. Users can contact support for detailed security inquiries. ### When was Ohere Credit last updated? The latest version of Ohere Credit is 1.9.91, which was last updated on May 20, 2026. This indicates a recent update to the application. ### What is the user rating for Ohere Credit? Ohere Credit has a user rating of 3.0 stars based on 2 ratings. This suggests a mixed reception from its current user base. ### Does Ohere Credit have ads? No, Ohere Credit does not contain advertisements. The app is free to download and use without any ad interruptions. ## Version history (last 5 releases) ### 1.9.97 — 2026-08-10 What’s new in this update: - Stability and performance improvements. - Credit disbursement - Credit reassessment flow - Credit recovery flow - Improved credit application flow - Clarity on product details before credit application ### 1.9.97 — 2026-08-10 What’s new in this update: - Stability and performance improvements. - Credit disbursement - Credit reassessment flow - Credit recovery flow - Improved credit application flow - Clarity on product details before credit application ### 1.9.96 — 2026-08-09 What’s new in this update: - Stability and performance improvements. - Credit disbursement - Credit reassessment flow - Credit recovery flow - Improved credit application flow - Clarity on product details before credit application ### 1.9.95 — 2026-08-04 Welcome to Ohere Credit — your smart credit companion. - Apply for a credit line in minutes. - Get real-time credit assessment and decisions. - Qualify for a secured or unsecured credit line. - Manage repayments with ease. - View transaction history and spending insights. - Track your credit score history and get improvement tips. What’s new in this update: - Credit disbursement - Credit reassessment flow - Credit recovery flow - Improved credit application flow - Stability and performance improvements. - Clarity on product details before credit application ### 1.9.94 — 2026-07-11 Welcome to Ohere Credit — your smart credit companion. - Apply for a credit line in minutes. - Get real-time credit assessment and decisions. - Qualify for a secured or unsecured credit line. - Manage repayments with ease. - View transaction history and spending insights. - Track your credit score history and get improvement tips. What’s new in this update: - Improved credit application flow - Stability and performance improvements. - Clarity on product details before credit application --- *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 2026-08-14.*