How can we help?

Got questions? Need answers? We got you.


Value Credit is a lending app designed with the intention of making the lending process easy. The application grants you easy access to loans with just a few clicks.

Our app is easily accessible on Google Store and App Store for download and you can get started in just a few minutes and most importantly, it is completely free.


Applying for a loan is a very simple process on Value Credit. Once you are logged into App, navigate to the Loan section and fill in your personal and employment details for a loan request.

For your first loan request, you can borrow as much as N50,000. Your loan eligibility increases as we get to know you better.

We keep to our words, no documentation, no collaterals. All you need to make a loan request on Value Credit are just:

  • Your personal details.
  • Your employment details.
  • A functional debit card.

A lending decision is made from your credit score as a borrower. Your credit score is based on the information that you provide to us. The more genuine these information are, the higher your chances of getting a loan.

We’re very sorry for declining your request. It only means we don’t have a loan product that matches your profile at the moment. We want you to check back with us soon.

Yes, the more you repay the higher the loan amount you are eligible for.

You can repay your loan either manually or via the auto-debit service.

The auto-debit service makes loan repayment seamless. The service uses the debit card attached to your active loan to initiate a loan repayment for you. Auto-debit helps you stay true to your words and increase your credit score.

Value Credit supports MasterCard, Visa, and Verve cards for auto-debit as long as there are sufficient funds in the account, you don’t need to worry.

Sure! You can pay as soon as you can afford to repay, it doesn’t matter if the loan is not due yet.

Yes, you can pay in installments to reduce your total outstanding loan.


Your BVN is strictly for identity verification to help us kick against identity theft and protect your funds and transactions.

Your security is our topmost priority. We warehouse your card details with a PCI-DSS compliant payment processor, Paystack for your security.

The easiest way to reach us is to “Chat Support” under the Settings section of the app. You can also send an email to