Free · Updates with every check
Know your score. Grow your limit.
A free score from 0 to 1,000 that moves with how you borrow and repay. Good habits lead to bigger limits.
4.8/5 from 120,000+ reviews · Licensed money lender
Your score at a glance
- Score range
- 0 to 1,000
- Cost
- Free, forever
- Updates
- With every check
- Checking it
- Never hurts your score
What moves your score
Seven parts, fully transparent
On-time repayment
The biggest part, up to 250 points: every instalment paid on or before its due date pushes your score, and your limit, up.
What you can afford
Up to 200 points: how much of your income is free after your costs.
Your cash flow
Up to 200 points: steady income, healthy balances and money left at the end of the month.
- AExcellent800 to 1,000
- BGood700 to 799
- CFair600 to 699
- DWeak500 to 599
- EPoor0 to 499
Grades A to D can borrow; below 500, the score has to grow first.
How it works
Raise your score in 3 moves
Repay on time, every time
Keep money in your wallet before each due date so instalments never slip: the fastest way up.
Show your income
A payslip or bank statement proves your income and adds points.
Borrow, then grow
Small loan, repaid well, then a bigger loan. Score up, limit up, towards ₦5,000,000.
FAQ
Questions, answered
Does checking my score reduce it?
Never. Look at it as often as you like: it is your data, free, with no effect on the score.
How fast can my score improve?
Each on-time repayment counts. Steady repayments over 3 to 6 months make a real difference.
Do you report to credit bureaux?
Not at the moment. We use your score to decide your limit with us.
What score do I need for a loan?
500 or more: new customers start with small limits, and the score decides how fast your limit grows.
Good habits deserve bigger limits.
A free score and a limit that grows with you.
Check your score free