Payday Loans For Salary Earners In Nigeria

You can access up to N4million loans without collateral and without a guarantor all for as quick as 4 hours

About The Payday Loan / Salary Advance

Creditville Limited’s Payday Loan in Nigeria is a quick loan for salary earners and offers between N100,000 and N4,000,000 for up to 18 months without collateral to be able to meet their financial needs. We understand that emergency and urgent needs can arise at anytime which your salary might not be able to cover or perhaps payday is still far off that was why we created a product that keeps you going. Our salary loan in Nigeria without collateral is specially designed to get you the needed funds totally stress free and without any charge(s) whatsoever.

Our interest portion is calculated on a reducing balance method and repayments can be scheduled for up to 18 months. The payday loan repayments are set on your payday / salary date and repayment can be made via several channels like direct debit, cheque deposit, online payment, funds transfer or paying into any of our accounts.

You can visit the FAQs page for commonly asked questions.

payday loans and salary advance in nigeria

Getting A Payday / Salary Loan In Nigeria Is This Easy


Carefully go through the requirements for a quick payday loan and if satisfied, fill the payday loan application form adequately and submit it to get started.


After your payday loan application, you will be contacted by one of our agents to proceed to the documentation stage where the required documents will be submitted for inspection and approval.


If your documents are in order with our policies, the payday loan is then approved and your funds disbursed quickly directly to your bank account all within 48 hours.

Why Should You Choose Our Payday Loan?

We understand there are several payday loan companies out there but we at Creditville pride ourselves in the fact that we are heads and shoulders above the competition. Not only do we help you solve those urgent financial needs, we go beyond giving you a salary loan and make sure that all your needs have actually been met and you are doing great. Some of our unique selling points include:

  • Speed of delivery

    You can get funds in your account within 48 hours and as quick as 4 hours, after meeting the necessary conditions and documentation.

  • Flexibility

    You may choose to repay your loan in full, at anytime without any penalty. Besides, you may apply for a top-up loan without a waiting period.

  • No hidden charges

    Our interest charges are all-inclusive, ensuring transparency. There are no hidden admin charges.

  • Awesome Customer Service

    Our staff are trained to treat you with utmost respect at all times.

Requirements To Get A Payday Loan / Salary Advance in Nigeria

  • Passport photograph.
  • Copy of client employee ID Card.
  • Copy of a valid Nigerian means of identification (e.g. Driver’s Licence, International Passport, Voter’s Card, National ID Card etc)
  • Payday Loan request application letter.
  • Postdated NUBAN Cheques from client.
  • Last 6 months salary current account statement (Stamped).
  • Duly completed salary loan application form.
  • Copy of letter of Employment or Confirmation of Employment.
  • Proof of Residence (Utility Bill, Rent Receipt).
  • Guarantor for salary less than N150,000 monthly (the guarantor will provide a passport photograph, employee ID card and post dated cheque)

Payday Loan Calculator

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