Real financial knowledge.
Real credit.

Transforming a generation with the right money skills to build a great future.

Get Started Now

image

Our products



Corper credit

Progressive credit for a brighter future.

Take our credit knowledge courses and unlock low cost, convenient credit for up to 6 months. Designed exclusively for NYSC corps members.

  • Real credit training.
  • Quick, stress-free process.
  • Bigger loans as you repay.
  • Low interest rate, fair terms.

Get Started   

image

YouthCred card

Affordable credit on your own terms.

Manage credit with more autonomy and unlock larger limits as you learn. A low interest rate credit card made just for NYSC corps members. Learn, prove yourself, unlock more. No shady fees, no surprises.

Join the waitlist now!  

Employed youth credit

Get access to convenient loans designed for young employed professionals (18-39). Whether it’s for a big purchase or other personal needs, you’ll enjoy up to 12 months loans and competitive rates.

  • Convenient and quick
  • Prove yourself, unlock more.
  • Fair rates, no hidden charges.
  • Build your credit history for bigger moves.

Join the waitlist now!  
image

Youth entrepreneurs credit

Fuel your hustle. Own your future.

Running a business. Get the credit you need to grow! Designed for young entrepreneurs (18-39), this loan supports your hustle with up to 12 months of repayment flexibility. Whether it’s cash flow, equipment, or expansion, we’ve got your back.



  • Capital when you need it
  • Fund growth, not just expenses.
  • Flexible repayments – up to 12 months.
  • Access larger loans as your business grows.
Join the waitlist now!  
image

Our Blog Posts








The YouthCred movement


Did you know?

In 2023, less than 6% of Nigerians got credit from financial institutions. Without a good credit history, big moves like owning a car, getting a home, or funding your dreams become harder.






At YouthCred, we believe
credit should work for you, not against you.

That’s why we’re giving young Nigerians the knowledge, tools, and access they need to build strong credit from the start.




image

This is Bigger than just loans

It’s about transforming a generation by creating a credit culture that empowers, not traps. Let’s change the narrative together.




Backed by CrediCorp

Nigeria’s Consumer Credit Corporation - and our amazing partners, our goal is to equip young Nigerians with real knowledge and access to real credit to build strong credit histories early and drive a national shift toward responsible, accessible credit.

image

We work with leading financial institutions,
technology players and like minded businesses to bring you reliable, accessible credit solutions.

image
image
image
image
image
image
image

Got ideas?

We’d love to hear them.Write to us at feedback@youthcred.com

Simply visit our website, fill out a quick application, and get verified in minutes. No long paperwork, no wahala!

If you're between 18-39, earning a salary or running a business, you qualify. NYSC corps members also have exclusive loan options.

Nope! Our loans are designed to be accessible—no collateral, no guarantors. Just prove you're responsible with small credit amounts, and you can unlock more.

Loan amounts start small and grow as you build a good credit record. Borrow from as little as ₦5,000 to as much as ₦5,000,000 depending on your profile.

We offer flexible repayment plans from 1 to 24 months, so you can choose what works for you.

Repay on time, build your credit history, and complete our financial training modules—it's that simple!

Once approved, your money drops into your account within minutes.

Super easy— your repayments will be set up on auto-debit, or you can log in to repay early.

Absolutely! Early payments improve your credit score and help you unlock bigger loans.

We understand things happen. If you’re struggling, reach out ASAP. Late payments may affect your credit score and future borrowing limits.

No hidden fees, no surprises. We keep it transparent—interest rates and repayment terms are clear from day one.

Need more time? You can request an extension, but it might come with a small extra charge.

Log into your account anytime to check your loan balance, due dates, and payment history.

Your credit score determines how much you can borrow and how easy it is to get loans in the future. A good score = better opportunities.

We start you off with small loans and increase your limit as you prove responsible repayment. Plus, we offer financial education to boost your money skills.

You can request your credit score from all Nigerian credit bureaus.

  • Borrow only what you need.
  • Set reminders for repayment dates.
  • Pay on time (or early) to improve your credit score.
  • Use credit wisely—don’t borrow just to flex.

Yes! A bad score makes it harder to get loans, rent an apartment, or even land certain jobs. That’s why responsible borrowing is key.

Timely repayments, responsible borrowing, and keeping your debt low will keep your credit score looking fresh.

Join our financial literacy programs and follow us on social media for money tips!

We use bank-grade security to keep your data protected.

We verify all applicants to prevent fraud. If you suspect any issues, contact us immediately.

Our support team is available via email to sort out any issues fast.

    Right now, our loans are only available to Nigerians.

Try resetting your password. Still stuck? Contact our support team for help.

You can email us at support@youthcred.com

If you notice anything shady, report it immediately at security@youthcred.com so we can take action.




Great financial successes are built early.

Get Started

image
image