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Licensed by FCCPC & Lagos State Government
Get Up to₦900,000in Minutes.
Zero collateral. Zero paperwork. Transparent terms upfront. Fast, trusted loans — built for you.
4.5 · 11,000+ ratings
Secure & Licensed
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11,000+
Ratings
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₦900,000
Max Credit Limit
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<3 mins
Approval Time
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4.5★
Average Rating
Our Products
A Loan for Every Need
Whether it's a personal emergency or business growth, we have a loan product built around your situation.
Most Popular
Personal Loan
Maximum Credit
₦180,000
91–180 day termsFrom 1.5%/month
- Up to ₦180,000 credit limit
- 91–180 day repayment terms
- Zero collateral required
- Revolving credit — re-borrow after repayment
- BVN verification only
- Funds in under 3 mins
For Businesses
Business Loan
Maximum Credit
₦900,000
Up to 180 day termsFrom 1.5%/month
- Up to ₦900,000 credit limit
- Flexible repayment up to 180 days
- No collateral or guarantors required
- Fast approval for verified businesses
- Funds disbursed in under 3 mins
- Build your business credit history
The Process
Three Steps to Your Loan
We built LinkCredit to respect your time. From download to disbursement, the whole process fits in your lunch break.
1
Sign Up & Verify
Register with your phone number and complete KYC with your BVN. Quick, secure, and stress-free.
2
Get Your Offer
Receive a personalised loan offer instantly, with full transparency on amount, interest, and repayment date.
3
Receive Funds
Money sent directly to your bank account in under 5 minutes. No queuing, no waiting.
1
Sign Up & Verify
Register with your phone number and complete KYC with your BVN. Quick, secure, and stress-free.
2
Get Your Offer
Receive a personalised loan offer instantly, with full transparency on amount, interest, and repayment date.
3
Receive Funds
Money sent directly to your bank account in under 5 minutes. No queuing, no waiting.
Calculate your repayments in minutes
Use the calculator to estimate your monthly repayment and total interest before you apply.
Calculate your loan
₦8,000₦400,000
1 month5
26%45%
Our APRs range from 18% to 45%.
Your Monthly Repayment
₦15,120
Loan calculations
Loan amount₦12,000
Interest rate26%
Total interest₦3,120
Total payment₦15,120
Note: These calculations are estimates and do not reflect the actual interest rate. Interest rates are not fixed and vary based on the assessment of the applicant's profile.
LinkCredit EarnLearn More
Earn Up to 22% on Your Wallet Balance
Fund your LinkCredit Wallet and watch your balance grow daily. No lock-in period, no hidden terms — withdraw anytime you want.
Up to 22% per annum earning rate
Daily earnings credited to your wallet
Withdraw your balance anytime — zero penalties
Protected with bank-level encryption
LinkCredit Wallet
Wallet Balance
₦500,000
+₦301/day
Earning Rate
22% p.a.
Monthly Earnings
₦9,041
Secured & Licensed
Why LinkCredit
Built for Real Life
We designed LinkCredit around actual problems people face — speed, transparency, and access without bureaucracy.
Zero Collateral
No assets, no guarantors, no property deeds. We evaluate your creditworthiness — not your possessions.
Transparent Pricing
Before you confirm, you see the exact amount, interest, fees, and repayment date. No hidden charges.
Revolving Credit
Repay your loan and your limit is immediately restored. Build a track record and your limit grows.
24/7 AI Support
Get help at 3 AM or during lunch. Our AI-powered support is always available to answer questions.
Instant Disbursement
Once approved, funds hit your account in under 5 minutes. Every time, without exception.
Fully Licensed
Regulated by FCCPC and Lagos State Government. NDPR-compliant with 256-bit encryption.
Trust & Compliance
Regulated, Secure, and Accountable
We take our responsibility to borrowers seriously. LinkCredit is fully licensed, audited, and built to operate within all applicable financial regulations — so you can borrow with complete confidence.
- Licensed and audited by federal and state regulators
- Your data is never sold or shared without consent
- No aggressive collection practices — we operate within the law
- Transparent interest rates with no hidden fees
- Secure BVN-based identity verification
LinkCredit is a product of ERIC VSTA LIMITED, licensed by the FCCPC and registered with the Lagos State Government.
FCCPC Licensed
Approved by the Federal Competition and Consumer Protection Commission.
Lagos State Registered
Fully registered and licensed under Lagos State Government regulations.
NDPR Compliant
Data handling audited under Nigeria Data Protection Regulations 2019.
256-bit Encryption
Bank-level encryption protects your personal and financial data at all times.
Real Reviews
What Our Users Are Saying
4.5 stars across 11,000+ verified ratings.
4.5 out of 5 based on 11,000+ ratings
Need Help?Common
Common
Questions
Quick answers to get you started. Still curious? Our team is one tap away.
Just your phone number, your BVN (Bank Verification Number), and a bank account. No physical paperwork, no guarantors, no collateral of any kind.
Still have questions? Visit our Help Center
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