How to get a loan from 9Credit

9Credit is a platform that allows its users to access loans and pay back later. It is one of the top digital lending platforms in Nigeria. The app aims to make it easier for people to purchase items and settle bills on time.

Owned by OTP Internet Technology, this online loan service allows you to get loans without much stress. 9Credit has been a regular source of loans for Nigerians who borrow money with ease and pay back later.

Apart from letting you borrow money easily, 9Credit is also easily accessible. To use 9Credit, all you have to do is download the mobile app on your phone. Its registration is also fast and simple. 

9Credit loan requirements

9Credit loan requirements are very few and simple. They are listed below:

  • A Bank Account.
  • Bank Verification Number (BVN).
  • A valid phone number.
  • You must be living in Nigeria.
  • You must fall within the age of 18 to 56.
  • You must have a source of monthly income.

How to get a loan from 9Credit

To borrow loans from 9Credit, follow the steps below.

1. Install the 9Credit App from the Google Play Store

To borrow loans from 9Credit you have to download the mobile app. Currently, 9Credit is not available for iOS devices. It’s available for only Android users.

To download the 9Credit mobile app, visit the Google Play Store.

2. Create an account with 9Credit

Once the app is installed on your device, launch it. Register an account with 9Credit by providing the necessary information. This will also include your BVN and other bank details. 

3. Choose the amount you wish to borrow

Select the amount of money you want to borrow from 9Credit and click on next.

4. Fill out the contents, then submit the application

You might be prompted to fill in some entries. Fill out all necessary content correctly and submit.

5. Wait for verification

 After the submission, you may receive a call for verification. The final application result will be shown in the APP and you will be informed by SMS if approved.

6. Accept terms

The loan agreement will be shown to you. This agreement will contain information about interest and repayment. Mark the accept button to indicate that you consent to this agreement.

7. Receive your loan

After the confirmation of the loan agreement, the approved loan amount will be disbursed to your account. Also, an SMS notification will be sent to your phone number.

How much loan can you get from 9Credit?

Generally, the amount of loan you can get from 9Credit is within ₦3,000 to ₦100,000. However, there might be a limit to how much you can borrow during your first request.

To be able to borrow larger amounts (up to #100,000), you have to ensure you pay back the first loan you borrowed on time. 

9Credit interest rate

9Credit charges an interest rate of 0.07% per day for each money you borrow. This amounts to 25.55% per year.

9Credit loan term

9Credit loan term ranges from 62 days (2 months) to 120 days (4 months).

Repayment of loan

The rule governing 9Credit is that all loans should be paid back within 62 to 120 days after it was borrowed.

There are some other charges on the 9Credit app apart from the interest charges. You need to pay a one-time processing fee that varies depending on the loan amount you wish to borrow.

The processing fee ranges from ₦90 to ₦2,000.

Also, there are GST charges. The GST charge is 18% of the Processing Fee under the policy and laws of 9Credit.

So now, the total amount that will be repaid is the Borrowed Amount + Interest + Processing Fee + GST.

9Credit head office address

The head office of 9Credit is located at Lawal street, Oregon, Ikeja in Lagos State, Nigeria.

9Credit customer care number and email address

The customer care number of 9Credit is 09019310402. You can reach out to them if the need arises.

9Credit’s email address is

9Credit website

9Credit also has a website. The web address is However, you can’t borrow loans on the website. You will have to download the mobile app on Google Play Store to borrow loans from 9Credit.

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Victor Iyiola

Victor Iyiola

Victor Iyiola is a Content Writer with He has a great passion for Business, Finance, and Entrepreneurial topics. Victor is a big fan of
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