Loans · Audit · Tax · Advisory
GDI Credit is a Nigerian lender run by chartered accountants.
We lend to salary earners, students and small business owners, and we look after the books, taxes and audits of companies and NGOs. Apply on your phone, see every naira of the cost before you agree, and talk to a real person whenever you need one.
What we do
Loans, and the money tools that come with them
Borrow when you need to, pay your bills, and get proper accounting help for your business, all from one account.
Quick Loans
Borrow ₦5,000 to ₦5,000,000 and see the full cost first.
Advisory
Business plans, cash flow and growth advice from our advisors.
Audit & Financial Services
Audit, tax filing and bookkeeping from our chartered accountants.
Business Add-ons
CAC registration, SCUML, annual returns, invoices and payment links.
GDI Membership
One membership for the Member Wallet, Member Savings and the Savings Circle.
- Coming soon
Member Savings
Fixed, Flex and Target plans with our cooperative.
Bills Payment
Airtime, data, power and TV, with a receipt every time.
Refer & Earn
Earn a reward when friends join and borrow.
See exactly what you'll repay
A flat 5% a month, the 3% processing fee included, no hidden charges.
How it works
Three steps to your loan
Create your account
Sign up with your phone number, confirm who you are with your BVN and set a PIN. You do these checks once.
Pick your loan
Choose the amount and the number of months. Before you agree, you see each monthly payment, the fee, every due date and the total.
Receive the money
Once we approve, the money goes into your GDI wallet. Send it to your bank whenever you want, and repay from the app.
Beyond lending
Accounting and advisory, from chartered accountants
We audit accounts, file taxes, keep books, run payroll and register companies for businesses, NGOs and government agencies. You agree the fee before we start.
Audit & Assurance
Statutory, donor and special-purpose audits
Get startedTax Advisory & Filing
PAYE, VAT, WHT and CIT with the NRS (formerly FIRS) and states
Get started
Bookkeeping
Books closed by the 10th, every month
Get started
Payroll Management
Payslips, PAYE and pensions handled
Get started
Business Advisory
Plans, models, valuations and fundraising
Get started
Company Registration
CAC, TIN and SCUML without queues
Get started
Speak with an advisor, free
30 minutes with one of our chartered accountants or advisors. Ask about a loan, tax, an audit, payroll or registering your business. Pick a time and we call to confirm.
Loved across Nigeria
Trusted by millions
“Got ₦150,000 for my shop and saw the full cost before I accepted. GDI Credit is a lifesaver during restocking.”
“Their tax team files my company VAT and PAYE every month. One less headache, and worth it.”
“My limit went from ₦40k to ₦450k just by repaying on time. The credit score feature really works.”
“I pay my shop's electricity and my daughter's school fees from the wallet. Everything in one app.”
“Invoicing clients through GDI Credit means I get paid same day. Game changer for my logistics business.”
“The advisors registered my business with CAC and set up payroll in a week. Everything money in one place.”
Why GDI Credit
GDI Credit or a traditional bank loan
| Feature | GDI Credit | Traditional bank |
|---|---|---|
| Collateral | Not needed | Often required |
| What you need | Phone number, BVN and a bank account | Forms, letters and documents |
| When you can apply | Any time, on your phone | Branch opening hours |
| The full cost | On screen before you agree | Often explained later |
| Wallet and bills | In the same app | A separate app |
| Accounting and tax help | Our own chartered accountants | Another firm to hire |
Questions
Before you borrow
How much can I borrow, and for how long?
From ₦1,000 up to two times your monthly take-home pay (at most ₦5,000,000), repaid over 1 to 6 months. We work out your limit from your bank statement, after any loan you are already repaying.
What will my loan cost?
5% a month on the amount you borrow, plus a 3% processing fee that is added to your repayments, never taken from your loan. Example: borrow ₦200,000 for 6 months, receive the full ₦200,000 and repay ₦44,333.33 a month, ₦266,000 in total. Before you accept, you see every payment, every due date and the total.
What do I need to apply?
Your phone number, your BVN, your employment ID card, a bank statement for the last 6 months and a bank account in your own name. You take a quick selfie to confirm it is you. Loans above ₦100,000 also need a guarantor. No collateral.
How quickly do I get the money?
As soon as your loan is approved, it goes straight into your GDI wallet. Move it to your bank account whenever you like.
What if I cannot pay on time?
Call or message us before the due date and we will agree a new payment plan with you. After 2 free days, a late fee of 10% of the unpaid amount is added for each month it stays unpaid, and late payments are reported to credit bureaus, so talk to us early.
Do you offer anything besides loans?
Yes. GDI Credit is also a chartered accounting practice: audit, tax filing, bookkeeping, payroll and CAC registration. Book a free 30-minute call with an advisor.
Keep GDI Credit on your phone
Add GDI Credit to your home screen in a few taps, then apply, repay and check your wallet whenever you like.
