Lucred is a digital credit platform. We give customers credit lines that they can spend across vetted merchants and pay back overtime.

Unlock the Power to do more

Get up to ₦300,000 in credit limit. Experience freedom, rewards, and endless possibilities promptly.

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Built to help you thrive

Experience a seamless online platform designed with your convenience in mind. No lengthy paperwork or time-consuming processes. Just a few simple steps, and you'll have access to funds that open doors to over a thousand merchants.

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How Lucred works

Our application process is very fast and seamless. Our approach to this is to make getting credit easy as logging into your bank mobile app.

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Get Approved

No more waiting in anticipation. Our cutting-edge algorithms swiftly review your information, ensuring speedy approvals that'll leave you amazed.

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Repay

Repaying your credit has never been easier. Our APR model ensures accurate interest calculations each day, empowering you to settle your dues anytime and still reap the rewards.

Apply

In mere moments, we analyze your data and work our magic to get you approved. It's quicker than saving a contact on your phone!

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Spend

With 1000+ merchants available on our platform, you have a plethora of options to shop from. You can also use Lucred in-store or on third party websites. Debit card coming soon

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Are you a merchant?

Lucred pay helps you get more customers. With the buy and pay overtime option, you get a 40% increase in sales and no effect on cashflow. Join over 1000+ pre-signed merchants and enjoy more premium benefits.

Seamless Application

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Easily Accessible Credit

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Low Interest Rates

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Support

Our Partners

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How can we help you?

You have questions, we have answers!

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Lucred

A standard credit
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