CredPal: BNPL, Loans & Credit

Shop now. Pay over time. Access a credit line. Invest. Grow. CredPal is Nigeria's all-in-one credit and finance app. Get a revolving credit line for ongoing purchases, buy now pay later credit for shopping, pay internationally with a USD card, grow your money at up to 30% annual interest, and settle bills in seconds — all from one app. No collateral. No paperwork. Instant decisions. 💳 CREDPAL CREDIT LINE Get access to a revolving credit line you can use whenever you need it. Draw down, repay, and access your credit again — without reapplying each time. Your limit grows as you build a strong repayment history. ✅ Revolving credit — use it, repay it, reuse it ✅ No fresh application for every purchase ✅ Credit limit grows with on-time repayments ✅ Use for everyday spending, bills, and shopping ✅ Instant access once approved 🛒 BUY NOW, PAY LATER (BNPL) Shop for phones, laptops, electronics, fashion, groceries and more — pay over 60 to 180 days. Access credit limits from ₦100,000 to ₦2,000,000 without a guarantor or collateral. ✅ Split into up to 6 monthly repayments ✅ No guarantors, no collateral ✅ Instant credit decision ✅ Shop from your favourite brands 💳 VIRTUAL USD CARD FOR GLOBAL PAYMENTS Pay for Netflix, Spotify, Amazon, Apple, AliExpress and any international service using your CredPal USD card. No FX restrictions. No hidden charges. Full card control from your phone. ✅ Instant virtual card creation ✅ Works on all international platforms ✅ Transparent exchange rates 📈 CREDPAL INVEST — UP TO 30% PER YEAR Make your money work harder. Start investing from as little as ₦1,000 and earn up to 30% annual interest. Create multiple investment wallets for different goals and track your returns in real time. ✅ Start with just ₦1,000 ✅ Multiple goal-based wallets ✅ Flexible withdrawal options ⚡ PAY BILLS & EARN CASHBACK Recharge airtime, buy data, pay electricity bills, cable TV subscriptions and more — all within seconds. Earn cashback rewards every time you pay through CredPal. ✅ All major billers supported ✅ Instant processing, no delays ✅ Cashback on every payment 🏦 CREDPAL CREDIT CARDS Use your CredPal card in-store and online, across Nigeria and internationally. Split purchases into instalments and manage everything directly from the app. ✅ Virtual card — available instantly ✅ Physical card for in-store payments ✅ Real-time spending alerts 📊 BUILD YOUR CREDIT LIMIT Every on-time repayment on your credit line or BNPL grows your credit limit. The more consistently you repay, the bigger the offers you unlock — including access to exclusive deals and promotions. 🔒 SECURITY & TRUST CredPal is operated by Crednet Technologies Limited, licensed by the Central Bank of Nigeria (CBN). Your data is protected with bank-grade encryption and is never shared without your consent. 📲 GET STARTED IN MINUTES 1. Download the CredPal app 2. Sign up using your BVN or NIN 3. Apply for your credit line or create your USD card 4. Start shopping, investing, or paying bills 💬 CONTACT & SUPPORT Email: hello@credpal.com Phone: 017007999 Web: credpal.com Instagram: @credpalhq | Twitter: @CredPal Lagos, Nigeria REPRESENTATIVE CREDIT EXAMPLE ────────────────────────────────────── Product: Buy Now Pay Later (BNPL) Credit limit: ₦100,000 – ₦2,000,000 Repayment period: 60 – 180 days Monthly interest rate: 7% One-off management fee: 2% Maximum APR: 83% Example — Loan of ₦100,000 over 180 days: Repayments: 6 monthly Interest (7%): ₦23,666.67 Management fee (2%): ₦2,000 Total repayable: ₦144,000 Credit is subject to status and approval. Terms and conditions apply. CredPal is regulated by the Central Bank of Nigeria.