Frequent Asked Questions A1|Credit



What is A1Credit?

A1Credit 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.

How do I get started?

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.

Is A1Credit registered

Yes, A1Credit is a product of A1 CAPITAL SOLUTION LIMITED with RC No 1412188


How do I apply for a loan on A1Credit?

Applying for a loan is a very simple process on A1Credit. Once you are logged into App, navigate to the Loan section and fill in your personal and employment details for a loan request.

How much can I borrow on A1Credit?

For your first loan request, you can borrow as much as N10,000. Your loan eligibility increases as we get to know you better.

What do I need to get a loan on A1Credit?

We keep to our words, no documentation, no collateral. All you need to make a loan request on A1Credit are just:

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

How does A1Credit make a lending decision?

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 this information are, the higher your chances of getting a loan.

Why was my loan request declined?

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.

Will my loan size increase as I repay?

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

How can I repay my loan?

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

How does auto-debit work?

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.

What cards can I auto-debit?

A1Credit supports MasterCard and Visa cards for auto-debit as long as there are sufficient funds in the account, you don’t need to worry.

Can I repay early?

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

Can I pay down on my loan?

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


Why do I have to add my BVN?

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

Are my card details safe?

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

What should I do when I need help?

The easiest way to reach us is to “Chat Support” under the Settings section of the app. You can also send an email to or call +234901 112 7111