Build your Credit the seamless way.

With CredPal's Credit Builder, you don't have to struggle with a poor credit score. Build credit fast. Save more money. Give your dreams a chance to live.

CredPal Credit Builder - Building your credit reputation

Improve your creditworthiness

Qualify for better interest rates and loan offers

Build your credit score

Gradually improve your credit score by up to 50 points

Unlock a secured card

Have extra cash to spend when the need arise.

Set your credit limit

Enjoy up to 80% of your savings and never worry about overspending

Updated reports to the Credit Bureaus

Your payments are reported to the bureaus and improve your credit score

Upgrade in the future

Build your credit now to enjoy the benefits of an unsecured card

MULTITASK

Build your savings along with your credit score

Build it and Watch it grow: Choose your desired amount and frequency, and watch your savings flourish without lifting a finger.

Build your savings and credit score - 836 credit score and ₦253,000 savings

Take Your Credit History Anywhere You Go!

When life takes you somewhere new, CredPal Credit Builder ensures your credit history travels with you, seamlessly exporting your creditworthiness wherever you go.

CredPal global credit history - Take your credit anywhere with connections to Canada, USA, UK, Russia, China, Australia, and Brazil

Know how we handle the process

Credit score gauge showing 836 out of 900

1. Check your score

Easily check your credit score and know how healthy you are financially.

2. Boost it

Boost your score easily with a savings plan. Have your good credit habit reported every month.

3. Get it back

Our step-by-step guide helps you reclaim and rebuild your credit score.

4. Repeat

Building and maintaining a healthy credit score is an ongoing journey. Check, boost, get it back, & repeat.

Download the CredPal App to get started

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

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.