--- title: "CredPal: Credit & Savings - Reviews, Revenue and Downloads in Nigeria | Apple App Store" description: "CredPal is Nigeria's all-in-one credit and finance app. Access a revolving credit line, apply for car financing, automate your savings, create fixed investments, pay bills and use a virtual USD card—a" --- # CredPal: Credit & Savings — Nigeria > Car Finance, USD Card & Bills ![CredPal App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/ac/b6/1d/acb61d61-463b-fa48-82ff-7cf38d796149/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/400x400bb.png) **Developer:** [Crednet Technologies](https://apptail.io/developer/crednet-technologies-IfR) **Category:** Finance **Rating:** 4.4/5 (4,018 ratings) **Price:** Free **Bundle ID:** com.credpal.mobile **Store:** Apple App Store **Country:** Nigeria **Version:** 1.0.8 (released 2026-09-15) **Original Release:** 2020-12-10 **App Store Link:** [Download on Apple App Store](https://apps.apple.com/ng/app/app/id1541846382) **AppTail Page:** [https://apptail.io/app/credpal-credit-savings-Nqx/nigeria](https://apptail.io/app/credpal-credit-savings-Nqx/nigeria) ## CredPal Description CredPal is Nigeria's all-in-one credit and finance app. Access a revolving credit line, apply for car financing, automate your savings, create fixed investments, pay bills and use a virtual USD card—all in one place. CREDIT LINE UP TO ₦5 MILLION Eligible customers can access a revolving credit line for everyday needs. Draw from your available limit, repay and access your credit again without submitting a fresh application each time. • Credit lines from ₦5,000 up to ₦5 million • Full or partial repayments in the app • Access available credit again after repayment • Decisions typically provided within 2–5 minutes • Consistent repayments may help you qualify for a higher limit Limits, pricing and approval times depend on eligibility and credit assessment. CAR FINANCING UP TO ₦20 MILLION Apply for financing toward an eligible new or used vehicle and repay monthly. • Financing from ₦3 million up to ₦20 million • Repayment periods from 6 to 18 months • Decisions typically provided within 24–72 hours • Manage your financing through CredPal Car financing is subject to eligibility, vehicle requirements, credit assessment and approval. Applicable interest, fees and repayment terms are disclosed before you accept an offer. FLEX SAVINGS WITH AUTOSAVE Build your savings consistently while keeping access to your money. • Earn 15.5% p.a., calculated daily on your end-of-day Flex Savings balance • Receive accrued interest monthly • Set up daily, weekly or monthly Autosave using an eligible linked card • Pause or resume Autosave when needed • Withdraw from Flex Savings to your CredPal Cash Wallet at any time FIXED INVESTMENTS Create fixed investments from ₦10,000, choose a tenure of up to 12 months and earn returns based on the selected plan. Eligible savings and investment plans may earn up to 30% p.a. • Choose upfront or at-maturity interest • Opt in to automatic reinvestment at maturity • Track interest and investment activity in the app • Review lock-in conditions and any applicable breaking fee before confirmation With upfront interest, your principal remains locked until maturity. Early liquidation of eligible at-maturity investments may attract a breaking fee deducted from accrued interest. Applicable rates and terms are displayed before you create an investment. VIRTUAL USD CARD Create and manage a virtual USD card for eligible international payments, subscriptions and online purchases. Applicable exchange rates, fees and transaction limits are shown in the app. BILLS, AIRTIME AND DATA Recharge airtime, purchase data and pay supported electricity and cable TV bills. Cashback may occasionally be available on selected transactions or promotions. BUILD YOUR CREDIT PROFILE Consistent, on-time repayments can help build a positive repayment history and may qualify you for higher credit limits. Limit increases are not guaranteed and remain subject to assessment and approval. SECURITY AND TRUST CredPal is operated by Crednet Technologies Limited, licensed by the Central Bank of Nigeria. Security controls are used to protect your account and personal information. Your information is handled in accordance with CredPal's privacy policy and applicable data-protection requirements. GET STARTED Download CredPal and create your account. Complete the required identity verification. Select an available product. Review and accept the applicable terms. Credit and car-financing applications are subject to eligibility, assessment and approval. Rates, fees, limits and repayment terms vary by customer and product and are disclosed before acceptance. NEED HELP? Email: hello@credpal.comWebsite: credpal.comSupport and FAQ: credpal.com/faqX: x.com/CredPalInstagram: instagram.com/credpalhqFacebook: facebook.com/credpalPhone: 017007999Address: Lagos, Nigeria ## CredPal Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8e/c3/07/8ec30724-1df7-4e3a-dbcf-256ed5bb7f39/5m_credit-1.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/9c/a7/29/9ca729c5-14a0-4a16-545c-59fd83246824/Car_financing-2.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/db/57/1c/db571c8f-c41e-dcaa-e6ca-3c70d9c24c64/Withdraw__U0026_use-3.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/0a/12/81/0a128186-4e94-f1b6-8549-1aa4de4e62d0/Repay-4.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/5e/fb/4a/5efb4aab-18bb-5f97-ac44-d566f9ec6930/save-5.png/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/6d/99/92/6d999224-22a2-e91e-a5f2-c103a5dae26f/Start_in_minutes-6.png/1242x2688.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/3c/7a/58/3c7a5855-1d55-0355-1baf-f480f1337a7a/Credit_line-7.png/1242x2688.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d3/c9/07/d3c907b3-1e42-a312-2f6e-10bbbf62e768/Repay_on_time-8.png/1242x2688.png) - [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fa/16/bf/fa16bf18-436f-a568-e194-99917324de9a/CBN-9.png/1242x2688.png) ## CredPal Rating Breakdown in Nigeria - 5 stars: 3,038 (76%) - 4 stars: 293 (7%) - 3 stars: 178 (4%) - 2 stars: 111 (3%) - 1 stars: 398 (10%) ## CredPal Reviews in Nigeria ### *---- "Negligence!" What sort of irresponsible behavior is this?? I downloaded the App, fixed it up and applied for a loan and you guys asked i input the bank verification and all Which i gladly did and when it got to the point of verification the camera refused coming up! I’ve been trying it for days!! Yet the camera is just blank and refused coming up!!! This is RUBBISH -- Choclaitte, 2024-12-26 ### *---- "Scam" This app is a big scam they will deceive you with high loan amount and convince you to deposit 1k if u Mumu do am next one is investment 30k and you can withdraw from the app i have been trying to remove my money it’s showing me invalid transaction pin and am 100% sure I know the pin I even reset the password but still I can’t withdraw is alway invalid pin useless scammers -- bellobagz, 2024-12-23 ### *---- "Worst app" Couldn't upload my bank statement the platform for verification keeps hanging, poor app interface and the place provided for chat isn't coming up -- Holivertwixt, 2024-12-22 ### *---- "Scam app" I deposited money to check my loan limit the app showed that I have been credited but the money isn’t reflecting on my balance I fall for another app again 🤦‍♂️ -- Oj1x1, 2024-12-19 ### *---- "Very Stressful App" Don’t bother downloading, they are just looking for people’s money, this is a savings bank not any Yeye credit App, no mind them, they won’t give you any credit or whatsoever, even their referrals too, very stressful messed up App 🤮🤮 -- i jste yoh, 2024-11-30 ### *---- "No available customer care" You can’t reach the customer service either switch off or not available I feel like it’s actually a scam and people are imputing their details I don’t think the app deserve more than one star -- francis agu, 2024-11-26 ### *---- "Facial recognition" Why isn’t the facial recognition to take a selfie not working upon signing up? It’s been the same since last week. After completing 90% of the signup process, I can’t complete the facial recognition, kindly fix this. -- Sulkyz, 2024-11-26 ### ***** "Great work team" Thank you for coming through when I need urgent credit and for your prompt resolution. Thank you to the team. -- Shaiyefunmi, 2024-11-23 ### **--- "Something went wrong" I was unable to linked my bank account with it Every time it is showing something went wrong Why!!!! -- tiri Enoch, 2024-11-22 ### ***** "Loan" How do I apply for loan on dis app -- ayegbajeje123, 2024-11-08 [View all CredPal reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## CredPal Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | Nigeria | Finance | #209 | ## CredPal Discovered Keywords - arvofinance - pay later‪‬ - buy now - pals - business loans - credpal ## Apps Similar to CredPal - [P2Vest - Loan & Insurance App](https://apptail.io/app/p2vest-loan-insurance-app-mFw/nigeria) - [Hometown - Banking Solution](https://apptail.io/app/hometown-banking-solution-RHZ/nigeria) - [Renmoney: Loan & Savings App](https://apptail.io/app/renmoney-loan-savings-app-jKZ/nigeria) - [Urgent10k](https://apptail.io/app/urgent10k-kKZ/nigeria) - [QuickBucks](https://apptail.io/app/quickbucks-FRZ/nigeria) - [Swift-Money](https://apptail.io/app/swift-money-oNJb/nigeria) - [MoneyPal](https://apptail.io/app/moneypal-mTkk/nigeria) - [Monibac](https://apptail.io/app/monibac-QcCm/nigeria) - [FairMoney: Save, Spend, Credit](https://apptail.io/app/fairmoney-save-spend-credit-FPWn/nigeria) - [Fastcredit-FCL](https://apptail.io/app/fastcredit-fcl-weko/nigeria) ## CredPal Available In - [Nigeria](https://apptail.io/app/credpal-credit-savings-Nqx/nigeria) - [United States](https://apptail.io/app/credpal-credit-savings-Nqx/united-states) - [United Kingdom](https://apptail.io/app/credpal-credit-savings-Nqx/united-kingdom) - [Canada](https://apptail.io/app/credpal-credit-savings-Nqx/canada) - [Austria](https://apptail.io/app/credpal-credit-savings-Nqx/austria) - [Hong Kong SAR China](https://apptail.io/app/credpal-credit-savings-Nqx/hong-kong) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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