Verified Identity
BVN-linked accounts, plus face and liveness checks.
Kajco Lending Services Ltd
Kajco Credit
Access When It Counts
Fair, digital credit for everyday Nigerians and the merchants they trust. Built on real relationships, not just paperwork.
✓VerifiedBefore any credit
★Badges EarnedFor paying on time
↗Paid at the TillMost of each sale
- FCCPC-Approved Federal Digital Lender
- State Moneylender's Licence
- NDPC Registered
- SCUML Registered
The problem
Trust is everywhere. Credit isn't.
Across Nigeria, merchants already give credit to customers they know, recorded in notebooks that banks and lenders never see. Good borrowers stay invisible to formal finance, and instant-loan apps fill the gap with weak data, high costs and aggressive collections.
Our approach
Not another instant-loan app.
Trusted Relationships
Merchants who already know their customers.
Behaviour Over Paperwork
Every on-time repayment builds your record and unlocks more.
Trustline Credit · Our first product
Customers
Merchants
Buy today. Pay over time.
Merchant-embedded purchase financing at the stores customers already trust.
No Interest in the Window
Pay part upfront and the rest over a short window, with no interest.
Paid Upfront
Sell more and get most of the sale paid straight away.
How it works
Simple for customers. Clear for merchants.
- 1
Join
Through a merchant, an agent or the app.
- 2
Verify
Confirm your identity in minutes.
- 3
Buy
Use your Trustline at participating merchants.
- 4
Repay
Digitally. No cash changes hands.
- 5
Grow
Build your record and unlock more.
The Kajco Credit app
Simple at the till, built on trust.
01 · Sign-up
FOR EVERY CUSTOMER
The filter at the door.
Every customer is verified before any credit is issued.
- BVN-linked phone
- Face scan
- Bank and bureau checks
02 · Customer
FOR CUSTOMERS
Pay, level up, earn badges.
Customers repay Kajco directly and always see what they are working towards.
- No interest in the window
- Levels and badges
- Loans for proven customers
03 · Merchant
FOR MERCHANTS
Paid at the till. Status, never amounts.
One tap starts a sale. Merchants see who has paid or still owes, so they can remind them as they always have.
- Most of each sale upfront
- Earnings that build
- Store score
App screens are illustrative designs.
Built responsibly
Responsible by design.
- ✓Digital-only disbursement and repayment
- ✓Customer data protected under the Nigeria Data Protection Act 2023
- ✓A strict no-harassment policy in collections
- ✓Every approval reviewed
Licensed and registered
Regulated from day one.
Federal Approval
Approved by the Federal Competition and Consumer Protection Commission (FCCPC) to operate the Kajco Credit App under its digital lending framework.
FCCPC/DSE/INV/ML/616 ↗Moneylender's Licence
Licensed under the Money Lenders Law of Oyo State.
State Moneylender's LicenceData Protection
Registered with the Nigeria Data Protection Commission as a data controller of major importance.
NDPC/DCP/07167Anti-Money Laundering
Registered with SCUML under the Money Laundering (Prevention and Prohibition) Act 2022.
SC 311501614Trademarks Accepted
Kajco Credit (Classes 9 and 36) and Kajco Trustline Credit (Class 36).
Accepted in Nigeria
Work with Kajco Credit
For merchants, lenders and distribution partners.
Tell us about your business and how you'd like to work with us.
- Office
- 47 Ladoke Akintola Street, New Bodija, Ibadan, Oyo State
Mon–Fri, 9:00am–6:00pm - Registered head office
- X15, Aleshiloye Market, Ibadan, Oyo State
- Phone
- +234 814 325 9383
- [email protected]
Kajco Credit is the brand name of Kajco Lending Services Ltd (RC 8384389), a licensed money lending company registered in Nigeria and operating under the Money Lenders Law of Oyo State. Its technology is owned by its sister company, Kajco Finance Ltd (UK).