LinkCredit is a trusted Nigerian online lending platform, offering quick, collateral-free loans with competitive rates. It ensures ease of access, automated approvals, and nationwide service, promoting financial inclusivity.
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LinkCredit is one of the leading fast and reputable online lending companies in Nigeria, always delivering convenience and simplicity to its customers. With the aim of providing the best financial support for the public, LinkCredit offers fast loan products with simple procedures and no collateral required. With competitive interest rates, flexible loan terms, and attractive incentive policies, LinkCredit has gained the trust and usage of numerous customers with positive feedback. Experience the convenience and speed of online borrowing with the LinkCredit App.

Contact information for Link Credit

  • Email: [email protected]
  • Website:
  • WhatsApp Phone Number: +234 7042855407

If you have any questions, suggestions, feedback, or concerns regarding the services or loan packages at LinkCredit, you can directly contact us via the provided email or WhatsApp phone number.

Advantages and Disadvantages of LinkCredit App


Here are the advantages of LinkCredit that we have compiled for your reference:

Simple and easy procedures

The conditions for obtaining online loan support are simple, and the loan process is fast, requiring minimal time to complete. Customers only need to provide some basic information and submit personal document images, such as national identification cards, driver’s licenses, or passports.

Online borrowing from home

Customers do not need to go anywhere to borrow money; they can complete the process online from home. With just a smartphone connected to the internet and the app installed, you can successfully borrow money online from anywhere, at any time.

Automatic approval

Link Credit employs intelligent technology that makes loan approval easy and automatic, minimizing customer waiting time. Typically, the loan approval rate at LinkCredit is up to 95%, ensuring that customers who use the app can successfully borrow money.

National lending support

Regardless of their location in Nigeria, customers can access LinkCredit’s online lending services. LinkCredit’s online financial system operates nationwide.

Competitive interest rates

LinkCredit provides fairly competitive interest rates in the market, complying with government regulations. The interest rates will not adversely affect your loan repayment in the future. Additionally, LinkCredit’s interest rate incentive policies bring many attractive benefits to customers.


Here are the disadvantages of LinkCredit. If you feel that it is not suitable for you, you can search for other apps on the website, as follows:

Limited borrowing limit

Customers will not be supported with a large loan amount, and first-time borrowers at LinkCredit will not be granted a high borrowing limit, only a specific maximum limit of about ₦10,000. Furthermore, LinkCredit will base the borrowing limit on the loan conditions and customer information.

Limited brand recognition

The LinkCredit brand name is still not widely known, and there is limited information about the online lending services of this company on the Internet. Consequently, customers still have significant concerns when borrowing money from LinkCredit.

Information about the online loan package at LinkCredit

Below is the information about the interest rates, limits, and loan repayment period at LinkCredit, as follows:

  • Maximum loan amount: The maximum is ₦50,000.
  • Range of loan limits: From ₦2,000 to ₦50,000.
  • Repayment term: From 91 to 180 days.
  • Monthly interest and service fees: Ranging from 1% to 3%.
  • Annual Percentage Rate (APR): Ranging from 12% to 36%.

That is what we have compiled about LinkCredit. However, please note that LinkCredit may change this information in the future, so it is advisable to visit the official LinkCredit website or we will update it soon for you.

Guide to registering for an online loan on the LinkCredit App

If you meet all the loan requirements at LinkCredit, registering for an online loan through the app is more convenient than ever. To do this, simply follow the instructions below:

Step 1: Download and install the app on your phone from

  • If you are using an Android phone, download the app.
  • If you are using an iPhone, register on the website.
  • You can register for a quick loan.

Step 2: Create an account by providing your phone number and then enter the OTP code sent to your phone via text message to successfully create an account.

Step 3: Provide the personal information requested by LinkCredit, including:

  • Full name, date of birth, address, email.
  • National ID number, bank account number.
  • Provide document images and portrait photos.

Step 4: Choose the loan amount and repayment period that you feel is most suitable.

Step 5: Wait for LinkCredit to automatically verify the information. If you successfully register, LinkCredit will immediately disburse the funds to your bank account. The registration and disbursement time is within 60 minutes or may take a little longer.

Note: Whether you receive a high or low credit limit will depend on the information you provide to LinkCredit. If you provide incorrect information to LinkCredit, your loan application will be immediately canceled.

Is LinkCredit a scam, is it safe?

That’s a question that we’ve received a lot from customers looking into the LinkCredit App, and we’ve compiled information for you to understand. In reality, LinkCredit is a newly launched online lending app in Nigeria, with limited media coverage. Consequently, there are very few customers who are aware of the application. However, to assess the credibility of LinkCredit, you can refer to the information and reviews from previous customers on various group pages and social networks.

For us, LinkCredit is entirely reputable and does not scam its customers. The policies, terms, etc. of LinkCredit, as far as we know, comply with Nigerian laws, and are public and transparent. The app has been licensed by the government and banks for financial operations. Therefore, you can rest assured and trust when using the services at LinkCredit.


LinkCredit is a fully licensed and well-managed loan application, providing flexible loan packages with many benefits such as quick disbursement, competitive interest rates, and flexibility in repayment. With strict privacy and security policies, they are committed to protecting users’ personal information. The important thing is to understand the specific terms and conditions before using the service here.

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