Credit for customers.
Payments for merchants.
Credably powers consumer installments and merchant BNPL on the same risk engine. Built in Nigeria, for the way Nigeria pays.
NDPC-certified • Abuja FCT, Nigeria.
Outstanding
₦48,200
₦1.84M
+34% vs. last week
₦124,000
Approved in 38s
How Credably works
Two surfaces, one risk engine.
Customers get clear installments. Merchants get a checkout upgrade. Both run on the same scoring model — so every repayment makes the next decision smarter.
For customers
Buy what you need today. Pay in installments that fit your income. Build a credit history while you do it.
- Apply with BVN + active bank account
- Decision in minutes, not days
- Repay weekly or monthly — no penalty for early payoff or pay to extend the due date
For merchants
Offer pay-in-installments at in-person stores or online checkout. We underwrite every customer. You deliver the product — and get settled same business day.
- Dashboard access to view your transactions, customers, and settings.
- We carry the credit risk end-to-end
- Settled Immediately, every business day
How it works
Three steps. From either side of the counter.
Customers
Apply in minutes
Sign up in a few steps. We'll read your bank statements and run a few identity checks to confirm your eligibility and set your limit.
Get a real decision
Five behavioural signals collapse into a single credit score. You see the band and the decision in under a minute, with the rate confirmed up front.
Repay on your schedule
Weekly or monthly auto-debit from your inflows. Pay off early, no penalty or pay to extend the due date. On-time payments grow your Credably limit over time.
Merchants
Apply as a merchant
Five-minute form, no CAC-papers-in-the-mail wait. We currently only accept merchant applications from registered Nigerian businesses.
Dashboard access
You'll have access to a dashboard where you can view your transactions, add new products, create installments plans for customers and manage your account settings.
Get paid Today
Every approved transaction settles to your account the same business day. We carry the credit risk and the collection work.
Why Credably
Credit, fit for Nigeria.
≤ 5 min
Apply time
Average from form submit to decision
Instant Settlement
Merchant settlement
Same business day, every business day
₦50k → ₦9.5M
Customer credit range
From first purchase to a full appliance
Few clicks
Merchant integration
Dashboard access to view your transactions, customers, and settings
We don’t just finance purchases.
Every transaction makes our credit model smarter.
That’s the gap between a lender and an infrastructure company.
Risk engine
Built on a credit engine that learns.
How we underwrite
Five behavioural signals collapse into a single decision you can see, in under a minute.
- Income regularity — not just amount
- Savings rate trends
- Expense stability
- Active debt signals
- Emergency buffer
What we never do
Permissioned data only. Nothing scraped. Nothing sold.
- Your individual transaction data with third-party marketers
- Your repayment history with other merchants
- Anything outside what you signed up for in the first tap
Customer stories
Real people, real purchases.
“I needed a new phone for work, but paying everything upfront wasn't convenient. Credably helped me spread the cost into monthly payments that worked with my salary.”
Aisha A.
Wuse, Abuja • Samsung Galaxy, paid over 6 months
“I'd been saving for an iPhone for months. With Credably, I made my down payment, chose a repayment plan, and got my phone without draining my savings.”
Tunde O.
Jabi, Abuja • iPhone, paid over 3 months
“As a small business owner, my phone is practically my office. Credably made it easier to upgrade without taking money away from my business.”
Chiamaka E.
Lekki, Lagos • Samsung Galaxy A-Series, paid over 3 months
“What I liked most was knowing exactly how much I needed to pay and when. The repayment schedule made budgeting simple, and I could focus on using my new phone.”
Emeka N.
Gwarinpa, Abuja • Android smartphone, paid over 6 months
“I wanted a tablet for my online classes, but I couldn't afford to pay the full amount at once. Splitting the payments made it possible to get started sooner.”
Fatima B.
Kano Municipal, Kano • Samsung Galaxy tablet, paid over 3 months
“I create content for brands, so having a good camera matters. Instead of waiting months to save the full price, I could get the phone and pay gradually.”
David O.
Yaba, Lagos • iPhone 13, paid over 6 months
“My old phone stopped working when I needed it most. Being able to pay a portion upfront and spread the balance helped me get connected again.”
Blessing U.
Port Harcourt, Rivers • Tecno Camon, paid over 3 months
“I use my phone for deliveries, customer calls, and payments every day. Credably gave me a way to get a reliable replacement without paying the entire cost at once.”
Ibrahim S.
Kaduna North, Kaduna • Infinix Note, paid over 6 months
“The best part was choosing a payment plan that matched my budget. I could see what I was committing to before making my purchase.”
Ngozi C.
Asaba, Delta • Samsung Galaxy A55, paid over 3 months
“I wanted a better phone for my online business, but I also had other bills to handle. Paying in installments helped me balance both without putting everything on hold.”
Samuel K.
Ikeja, Lagos • Redmi Note smartphone, paid over 6 months
Stories from real customers. Become one of them by applying today.
After you swipe
What the app does for you, every day.
No surprises, no runaround. The app shows you exactly what you owe, when, and what to do if life happens.
Sign up, verify your identity, and you're ready. Most customers finish in under 5 minutes.
Shop now. Pay over time.
Create your account to get started.
Email Address
Password
Confirm Password
Built for Android, iOS and the web.
Common questions.
Start in minutes.
Find a Credably merchant near you, or apply to become one today.