Credx Finance vs EarnIT.ng

CredX is a salary-based loan platform designed to provide quick, affordable, and stress-free access to credit for employees of onboarded organisations. By partnering directly with employers, CredX ensures responsible lending through salary-linked repayments, eliminating the need for collateral or guarantors. With a fully digital process, users can apply, get approved, and receive funds in minutes—all within a secure and user-friendly mobile app. CredX empowers employees with financial flexibility while supporting organizations in boosting employee satisfaction and productivity. Key Features: Instant access to low-interest loans Automated salary deductions for easy repayment No hidden fees, paperwork, or long queues Designed for employed individuals within verified companies CredX — smart credit for the working class.

Pay bills, buy gift cards and travel eSIMs, shop on the marketplace, and earn from simple tasks, all from one wallet. EarnIT is an everyday app. Use your wallet to pay for essentials, earn from online tasks, buy and sell safely, send invoices, and more. Join thousands of people already using EarnIT to earn, spend and manage everyday payments in one place. PAY BILLS IN SECONDS Stay connected and handle everyday payments easily: - Airtime and data for Nigerian networks - Electricity tokens for prepaid and postpaid meters - Cable TV subscriptions - Exam registration PINs GIFT CARDS Buy gift cards from popular retail brands, available in US dollars and pounds. Your gift cards are delivered directly in the app and kept safely in My Gift Cards until you're ready to use them. TRAVEL eSIM Stay connected when you travel without searching for a local SIM. Choose your destination, pay in naira, and get your eSIM QR code in the app. Follow the step-by-step installation guide in the app. EARN ON YOUR OWN TIME Complete simple online tasks and earn. Browse available tasks, complete them, submit your proof and wait for review. Once your submission is approved, your earnings are added to your EarnIT wallet. Invite friends through the referral programme and earn referral rewards. MARKETPLACE Buy and sell products across Nigeria. - List your items for free - Browse products - Chat with sellers ESCROW Buy and sell with added payment protection. Create deals, keep funds protected while work or delivery is completed, and release payment when you're satisfied. CREATOR OPPORTUNITIES Turn your audience into income. Creators can apply for brand campaigns, connect their social platforms and create content for brands. INVOICES Create professional invoices directly from EarnIT. Generate a clean invoice, download it as a PDF and share it with your customers. YOUR EARNIT WALLET Your wallet brings everything together. - Fund your wallet by bank transfer - Withdraw to a bank account - Pay for bills, gift cards, eSIMs and marketplace purchases - View your transaction history - Track your payments and orders - Raise an issue directly from a payment when something goes wrong Earn. Spend. Buy. Sell. EarnIT is built and operated by Ocean Trends Digital Limited. earnit.ng support@earnit.ng