Everyday spending, flexible payments.

Shop confidently with the CredPal Card. Pay in four easy, interest-free installments and enjoy more flexibility with every purchase.

CredPal Card

Meet the CredPal Card

It's not just a card, it's financial freedom. Get a flexible spending limit, enjoy 0% interest on repayment plans on qualifying purchases, and take control of your money every swipe, every time.

Shop without limits

Shop without limits

Your CredPal Card works wherever life takes you — get instant access to your CredPal credit.

Periodic Statements

Periodic Statements

Every card transaction is documented and organized in your statement, so you can review your spending and stay in full control of your finances.

Split after you Spend

Split after you Spend

Split any transaction into 4 stress-free, interest-free payments with partner merchants.

No extra charges payment interface

No extra charges. No surprises.

With the CredPal Card, what you see is what you get — transparent credit with zero hidden fees. Because financial freedom starts with trust.

0% Interest*

Shop your top categories now and split your purchases into 4 interest-free payments.

*Cashback rates may be subject to change.

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With Credpal card, you can...

Rocket

Pay your way

Use your Credpal card to make payments wherever Mastercard is accepted - Online or in-store.

Clock

Secure your payments

Freeze your Credpal Card in seconds , get instant replacements, and stay protected with password or PIN.

Shopping Bag

Master your spending

Track every spend, repayment, and balance in real time with Credpal app.

Don't just take
our words for it

5

CredPal is a game-changer! Finally, flexible payment options for everyone, without the usual credit headaches. Truly invaluable!

A
Ayodeji G.
5

CredPal makes shopping effortless! I use it everywhere, daily — for everything from small buys to big purchases. Absolutely love how easy it is!

B
Bayo K.
5

The CredPal app is my go-to for instant credit and flexible payments. It's incredibly versatile for everyday spending and managing my budget. Highly recommend!

H
Halima D.
5

The CredPal credit solution is versatile and makes managing my budget so much easier. I can't imagine shopping without it now!

C
Chidi O.
5

Best financial app I've used! CredPal has transformed how I shop and manage payments. The flexibility is unmatched!

F
Fatima M.
5

CredPal is a game-changer! Finally, flexible payment options for everyone, without the usual credit headaches. Truly invaluable!

A
Ayodeji G.
5

CredPal makes shopping effortless! I use it everywhere, daily — for everything from small buys to big purchases. Absolutely love how easy it is!

B
Bayo K.
5

The CredPal app is my go-to for instant credit and flexible payments. It's incredibly versatile for everyday spending and managing my budget. Highly recommend!

H
Halima D.
5

The CredPal credit solution is versatile and makes managing my budget so much easier. I can't imagine shopping without it now!

C
Chidi O.
5

Best financial app I've used! CredPal has transformed how I shop and manage payments. The flexibility is unmatched!

F
Fatima M.

Download the CredPal App to get started

Why the wait? Join over 350K + users already transforming their payment with CredPal.

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Frequently asked questions

Here are some our frequently asked questions

Yes, your CredPal account is secured with bank-level encryption and multi-factor authentication to protect your personal and financial information.
Your spending limit may be reviewed based on your repayment history and account activity. Contact support for more information about limit increases.
Your BVN is used to verify your identity and ensure secure account setup in compliance with banking regulations. It helps us protect your account from fraud.
Rewards points can be redeemed for discounts on purchases, cashback, or special offers from partner merchants. Check your rewards dashboard for available options.
CredPal's Buy Now Pay Later offers cashback rewards, early payment discounts, and access to exclusive deals from partner stores when you make timely payments.
You can pay your credit balance through the CredPal app using bank transfer, debit card, or automatic bank deductions. Payments can be made in installments or full.