Earn Up to 25% ROI by Investing in Nigeria’s Credit Economy
Invest confidently in a diversified loan portfolio that powers salary earners and SMEs while your money works harder for you.
Why Smart Investors Choose Credit Affairs
At Credit Affairs Limited, we combine disciplined credit management with transparent investment structures giving you reliable returns backed by real economic activity.
High-Yield Returns
Earn up to 25% per annum, outperforming traditional savings and fixed-income instruments.
Asset-Backed Investments
Your funds are deployed into performing salary advance and SME loans not speculation.
Proven Track Record
₦350M+ disbursed with a 98.7% repayment rate and consistent investor payouts.
Transparent & Simple
Clear investment terms, defined tenure, and structured ROI payouts.
How Your Investment Works
A simple, transparent process designed to help you invest confidently and earn predictable returns.
Step 1
You Invest
Invest a minimum of ₦1 Million into our managed loan pool.
Step 2
Funds Are Deployed
Capital is disbursed as salary advance and SME loans using strict credit assessment.
Step 3
Borrowers Repay
Repayments are made via salary deductions and structured SME repayment plans.
Step 4
You Earn Returns
ROI is paid out at maturity based on your chosen investment tenure:
3 months = 5% | 6 months =12% | 9 months = 18% | 12months = 25%
Invest with Confidence
Join Credit Affairs Limited in powering financial access for Nigerians while growing your wealth through disciplined, high-yield credit investments.
Our risk framework is built to preserve capital while delivering predictable returns.
- Rigorous credit scoring and borrower screening
- Salary-deduction partnerships for loan recovery
- SME loan diversification across sectors
- Active portfolio monitoring and collections
- Conservative loan-to-capital deployment ratios
A Market Built for Sustainable Growth
- Over 60 million active salary earners and entrepreneurs in Nigeria
- Nigeria’s credit gap exceeds ₦100 Trillion
- Digital lending growing at 25%+ annually
- Rising demand for alternative, fintech-backed investments
Credit Affairs is positioned at the intersection of demand, technology, and trust.