Two apps, one mission:
simple, responsible lending
Introducing CrediNaija and NovaCash — modern mobile lending experiences designed for Nigeria. Built with rigorous risk controls and customer‑first service.
🇳🇬 Made for Nigeria • Compliant with local consumer‑protection guidelines
Data privacy & security
Strong encryption and NDPA/NDPC‑aligned practices.
Smart risk engine
Real‑time checks reduce fraud and improve approvals.
Human support
Friendly service with in‑country operations teams.
CrediNaija
Everyday credit — fast, transparent, local
Built for speed and clarity. CrediNaija offers a streamlined application flow with transparent pricing and reminders that help you stay on track.
- ✅Quick KYC with smart verification
- ✅Clear fees and due‑date reminders
- ✅Flexible limits that grow with your history
NovaCash
Reliable cash — stronger control & insights
Ideal for users who want more control. NovaCash puts repayment insights, improved budgeting tips, and responsive support at your fingertips.
- ✅Personalized repayment insights
- ✅Enhanced fraud & stacking checks
- ✅Priority human support when you need it
What you get in both apps
Same trusted backbone — choose the experience you like.
Responsible Lending
Automated & human reviews to approve fairly and reduce over‑borrowing.
Transparent Pricing
No hidden charges. See fees and timelines before you confirm.
Customer‑First Support
In‑app chat, phone assistance, and proactive notifications.
Built for Nigeria
Localized flows, telco‑friendly OTP, and regional risk tuning.
Regulatory Alignment
Practices aligned with FCCPC and NDPA/NDPC principles.
Lightweight & Fast
Optimized app size with secure, low‑latency infrastructure.