Is 9credit legit?

9credit has full FCCPC approval as a digital lender in Nigeria. See who runs it, its other apps and how it compares with other registered lenders.

FCCPC approved

9credit

This lender has full approval from the FCCPC to offer digital loans in Nigeria.

Company
Otp Internet Technology
Listed by FCCPC as
9CREDIT, NCASH APPS

Before you borrow: registration does not make a loan cheap. Check the total amount you will repay, never give an app access to your contacts or gallery, and report any harassment to the FCCPC.

FCCPC register last checked 24 October 2026. Names can differ slightly between the app store and the register; if in doubt, search the company name.

Compare it with other registered lenders

FAIRMONEY

FCCPC approved
Details Visit Provider

RENMONEY

FCCPC approved
Details Visit Provider

PALMCREDIT

Licensed by the CBN
Details Visit Provider

We may earn a commission if you apply through these links. It never changes a lender's register status. Compare all loans

Other apps from Otp Internet Technology

  • Ncash FCCPC approved Otp Internet Technology

Watch out for similar names

These apps have names close to 9credit but are on the FCCPC watchlist or delisted. Check the exact name and developer in the app store before you install anything.

Questions borrowers ask

Is 9credit approved by the FCCPC?

As of the FCCPC register checked on 24 October 2026, 9credit is listed as: FCCPC approved. This lender has full approval from the FCCPC to offer digital loans in Nigeria.

Who owns 9credit?

The FCCPC register lists 9credit under Otp Internet Technology.

Is it safe to borrow from 9credit?

It is allowed to lend, which is the first test. Before you borrow, check the total amount you will repay, read the fees, and never give a loan app access to your contacts or gallery.

What can I do if 9credit harasses me or messages my contacts?

Keep screenshots of every message and call, do not pay anything you do not owe, and report it to the FCCPC. Shaming borrowers or contacting their friends and family breaks the FCCPC digital lending rules. You can also report it to KudiCompass so we can warn other borrowers.