Is Ik Credit legit?

Ik Credit 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

Ik Credit

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

Company
Papichou Technology Limited
Listed by FCCPC as
EASYFUND APP, ROYALCREDIT APP, NICECREDIT APP, IK CREDIT APP AND WARM LENDING APP

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 Papichou Technology Limited

  • Easyfund FCCPC approved Papichou Technology Limited
  • Royalcredit FCCPC approved Papichou Technology Limited
  • Nicecredit FCCPC approved Papichou Technology Limited
  • Warm Lending FCCPC approved Papichou Technology Limited

Watch out for similar names

These apps have names close to Ik Credit 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 Ik Credit approved by the FCCPC?

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

Who owns Ik Credit?

The FCCPC register lists Ik Credit under Papichou Technology Limited.

Is it safe to borrow from Ik Credit?

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 Ik Credit 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.