Whether you're growing an SME, covering personal expenses, or accessing government-backed financing, Credit Matters delivers fast, transparent funding with zero hidden fees.
Three powerful loan products, Choose the financing that matches your needs
Scale your business with flexible SME loans designed for Nigerian entrepreneurs. From working capital to equipment financing — we fund your growth.
Interest Rate
From 12% p.a.
Meet life's milestones — education, healthcare, travel, or home improvements — with personal loans that flex around your income.
Interest Rate
From 15% p.a.
Exclusive loan packages for civil servants, government contractors, and public institutions with preferential rates and guaranteed terms.
Interest Rate
From 9% p.a.
We combine cutting-edge technology with financial expertise to give you a lending experience that is fast, fair, and completely transparent. Here's what sets us apart from the rest.
AI-powered credit decisions in under 24 hours. No lengthy wait times.
256-bit encryption and CBN-compliant data protection keep your information safe.
No hidden fees, no surprise charges. See exactly what you pay before you sign.
Manage your loan, track repayments, and get statements from your phone.
Dedicated loan officers available round the clock via chat, call, or email.
Serving customers across all 36 states with instant digital disbursement.
Choose your repayment schedule — monthly, quarterly, or bullet payments.
Fully regulated and licensed by the Central Bank of Nigeria. Trusted. Compliant.
From application to cash in account — faster than you think.
Fill our simple 5-minute application form. No paperwork, no branch visits. Just your basic details and loan requirements.
Our AI credit engine analyzes your profile instantly. For larger loans, a dedicated loan officer reviews your application.
Receive your offer within 24 hours. Review your terms, sign digitally, and confirm your loan agreement.
Money hits your account same day after approval. Start using your funds immediately — no delays.
Credit Matters was born from a belief that every Nigerian deserves access to fair, fast, and transparent credit regardless of background or business size.
To provide the most accessible, transparent, and empowering financial products to individuals, businesses, and institutions across Nigeria, driving economic growth one loan at a time.
Founded in Lagos with a mission to democratize credit
Expanded to 12 states, crossed ₦1B in disbursements
CBN full license obtained, ME & personal lending
Launched government contractor financing product
₦80B+ disbursed to 12,000+ Nigerians nationwide
Eugenia Oshioke
CEO & Co-Founder
Chukwuemeka Obi
Chief Credit Officer
Janet Okonkwo
Head of Operations
Babatunde Lawal
CTO
“Credit Matters funded my catering business expansion within 2 hours. The process was fully online, the rates were transparent, and my loan officer was incredibly helpful. My revenue has tripled since.”
Ngozi Okafor
Founder, Ngozi Catering Services
Lagos
SME Loan
₦8M
Apply in 5 minutes. No hidden charges, no unnecessary delays. Get the funds you need to grow, live, or build — on your terms.
Quick Estimate
₦5,000,000
at 12% p.a. over 24 months
₦245,000
monthly payment
Everything you need to know before applying. Can't find your answer? Talk to us.
Reach out for loan inquiries, application support, or general questions. Our team responds fast.
Head Office
1 Marina Street, Lagos Island, Lagos State
Nigeria
Call Us
+234 800 CREDIT MATTERS
Mon–Fri, 8am–8pm WAT
Email Us
info@creditmatters.online
Response within 2 hours
Live Chat
Chat on WhatsApp
24/7 instant support
Join over 12,000 Nigerians who trusted Credit Matters to fund their ambitions. Apply now and get a decision within 24 hours.
CBN Licensed · NDPR Compliant · 256-bit Secure · No Hidden Fees