Your financial identity,
built on real data.
Your salary comes in. You pay your bills. You save when you can. You repay what you owe. You're already building a financial history every day. CredMe brings it together into one financial Identity the system can actually see.
Your financial life is connected.
The systems looking at you aren't.
The problem isn't always your finances. Sometimes, institutions simply can't see the whole picture. Think about the way you actually use money:
- Your salary may come into one bank
- Your savings may sit somewhere else
- You may use another account for everyday spending
- Your business revenue may come through transfers, POS and cash
- Your repayments may happen from yet another account
So when you apply for something, the person assessing you may only see one account, one statement, one payslip, or one credit history. And when the picture is incomplete, the decision can be incomplete too. That's the visibility problem.
Join
50M+ NIGERIANS
Whose financial trust stays invisible to the system — and who deserve a clearer picture of it.
You already have one. CredMe helps you see it.
Your Financial Identity is the picture created by the way you earn, spend, save, borrow, and repay over time. It's bigger than a credit score. It's bigger than one bank statement. And it's not something you create by filling out another application form.
CredMe brings together the financial information available to us, including your connected accounts and, where available, your credit history, to help build a clearer picture of:
- What you earn
- How stable your income is
- How you manage your money
- How much liquidity you have
- How you spend
- How you repay
- How your financial behaviour changes over time
The result is your CredMe Financial Identity.
A complicated financial life, made easier to understand.
Your Financial Identity contains a lot of information. Your CredMe Score turns that information into something simple, informed by the financial behaviour that matters across your profile:
- Income StabilityHow consistently money comes into your financial life.
- LiquidityYour ability to meet financial needs with the resources available to you.
- Spending DisciplineWhat your spending patterns say about how you manage money.
- Recent RepaymentYour recent repayment behaviour and credit obligations.
Your CredMe Score gives you a broader view than a traditional credit score alone.
Know your financial position before someone else has to tell you.
Once your financial picture is clearer, it can help you do more.
Find financing that fits your financial profile.
Instead of applying blindly and hoping for the best, CredMe helps match you with lenders based on your financial profile and the opportunities available to you.
Sometimes you don't need to borrow. You just need to prove.
Need to demonstrate what you earn, or show that you have enough funds? CredMe turns your verified financial information into useful proof when you need it.
A better way to pay can start with knowing who you are financially.
CredMe Checkout is built around your financial identity, helping make payments and access to credit more intelligent, personalised, and seamless.
Today, that means opportunities around borrowing, proving income, proving funds, and smarter payments. Tomorrow, the same identity can help make other parts of financial life simpler.
One identity. Many doors.
We start with the financial life you already have.
From scattered accounts to one clear picture of your financial identity in four steps.
Connect
Securely connect Access, UBA, Kuda, Moniepoint or any Nigerian bank. CredMe uses read-only access to retrieve the financial information you authorise. Your money never moves. Done in two minutes.
Get Started →Understand
We analyse the information available across your connected accounts and relevant financial data. Looking beyond individual transactions to understand patterns.
Build
Your information comes together into your Financial Identity and CredMe Score. Instead of isolated pieces, you get one clearer picture.
Access
Use your Financial Identity to understand your position, prove what you have, and access relevant opportunities.
We can see your transactions. We can't move your money.
CredMe uses read-only access to connected accounts. That means we can retrieve the financial information you've authorised us to access and nothing more.
- We cannot transfer your money.
- We cannot withdraw your money.
- We cannot move money between your accounts.
Your financial information belongs to you.
Your income doesn't have to look traditional for it to count.
Salary Earners
Your salary is only one part of your financial picture. CredMe helps bring your income, spending, liquidity, and repayment behaviour together.
Freelancers & Gig Workers
Your income may come from different clients, platforms, and accounts. A variable income doesn't mean an invisible financial history.
Traders & Informal Businesses
Your business may not issue payslips, but your financial activity still tells a story.
SME Owners
Revenue can move through bank transfers, POS, multiple accounts, and other channels. CredMe is built to help make the wider picture visible.
Young Professionals
When you need to prove that you can afford something, your financial behaviour should be able to speak for itself.
We aren't building another place for you to keep your money.
Your bank knows your account. A credit bureau knows your reported credit history. A lender knows what you submitted on an application. But none of those things necessarily represent your entire financial life.
CredMe sits between those fragments. We bring financial information together to create a more useful financial identity. One that helps you understand yourself, and makes it easier for others to understand you.
CredMe is the financial identity layer.
Your financial life should be portable.
You shouldn't have to rebuild trust every time you move from one financial institution to another. Your history shouldn't disappear because it exists across different accounts. Your income shouldn't become invisible because it doesn't arrive in a traditional format. Your financial behaviour should be able to travel with you.
One Financial Identity. One clearer picture. More ways to move forward.
Your financial life is already telling a story.
It's time for that story to be seen.
Got questions?
We've got answers.
Everything you need to know before you connect your first account.
Join the Waitlist →CredMe is a financial identity platform that helps you become more visible to the financial system. With your permission, CredMe brings together relevant information from your financial accounts and credit history to understand how you earn, spend, save and manage financial obligations. That information helps create your Financial Identity and CredMe Score, which can then power access to financial products and verification services. Think of it as one financial identity, built from the real picture of your financial life.
No. CredMe is not a lender or a loan app. We build the financial identity and trust infrastructure that helps people become easier to understand and underwrite. Lender matching is one of the services that your CredMe Financial Identity can unlock, but CredMe goes beyond borrowing. You can also use your financial identity for services such as Proof of Funds, Income Verification and CredMe Checkout. Credit is one door. Your financial identity is the foundation.
You can still have a financial identity. You may earn consistently, save money, manage your spending and meet your financial obligations without ever having needed to borrow. Traditional credit systems may have limited information about you simply because you haven’t had a reason to build a credit history. CredMe is designed to look at the broader financial picture — not just whether you’ve borrowed before. Where applicable, relevant information can also help you establish or strengthen your profile with Nigeria’s credit bureaus. No credit history doesn’t have to mean no financial history.
Yes, where applicable. CredMe works with the credit-bureau ecosystem to help make relevant financial information available for credit reporting. For someone with little or no credit history, this can create a pathway toward becoming more visible within the formal credit system. For someone working to repair their profile, responsible financial behaviour can contribute to rebuilding that history over time. CredMe cannot erase accurate negative information or guarantee a particular credit score. Credit reporting remains subject to bureau processes, applicable regulations and the requirements of each credit bureau. The goal is not just to help you access credit today, but to help you build a stronger financial profile for tomorrow.
Because your financial life probably isn’t in one place. Your salary may come into one account. Your savings may sit somewhere else. Your business or freelance income may come through another. Your credit history exists separately. When you connect your eligible accounts, CredMe can bring those pieces together to understand the broader picture. And your money remains yours: bank connections are read-only. CredMe cannot move, withdraw or spend your money. More of your financial life in one place means a clearer picture of who you are financially.
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The pain is real.
The solution has been missing.
“I had a history with my money, but every time I needed financing, it felt like I was starting from zero.”
“My income was spread across different accounts. I knew I was financially stable, but proving it was another matter.”
“As a freelancer, my income doesn't arrive like a salary. That shouldn't mean there's no way to show that I earn consistently.”