Frequently asked questions

Ola Credit serves legal residents who are physically located in Nigeria and are at least 18 years old. You will need to complete the identity and account information requested in the app. Meeting these basic requirements does not guarantee approval; each application is assessed individually.

Register or sign in to the Ola Credit app and complete the application steps shown on screen. Provide accurate information, review the required disclosures and submit your application for assessment. If an offer is available, read its full terms before accepting.

Review time depends on the completeness of your application and any additional verification required. Check the app for your current status and requests for information. If your application appears delayed, contact support for help; an exact approval time is not guaranteed.

Check the app for any explanation or next steps. Review your information for accuracy and keep your financial obligations up to date. Follow any reapplication guidance displayed in the app; submitting another application does not guarantee approval.

Your available limit depends on the credit assessment, including relevant application information and repayment capacity. The amount shown in your individual offer is the amount available to you at that time. A future application may receive a different decision or limit.

Review and accept the loan offer if you wish to proceed, and follow the disbursement instructions in the app. Make sure your receiving account details are correct. The app will show the status of your loan and any further actions required.

The time to receive funds can depend on verification, processing and the receiving payment provider. Check the disbursement status in the app. If a completed transfer has not appeared in your account, contact support with the relevant transaction details. Do not share passwords, OTP codes or bank PINs.

Before accepting, check the stated disbursement amount and any disclosed charges in your offer. Compare the credited amount with these details. If there is a difference you cannot explain, contact customer support so the transaction can be reviewed.

Use the repayment instructions and payment channels shown in your Ola Credit account. Check the amount and payment reference carefully, and keep your transaction receipt. Avoid payment instructions sent through unverified accounts or unofficial messages.

Check your loan details and repayment schedule in the app. Your individual loan agreement specifies the amount due, applicable charges and repayment dates. Contact support before making a payment if any detail is unclear.

First check that the payment was completed and that the reference and recipient details match the in-app instructions. Processing times may vary. Keep your receipt and contact support if your account status remains unchanged; avoid making a duplicate payment without checking.

Review your individual agreement for early repayment conditions and any applicable charges. If you expect difficulty meeting a due date, contact support as soon as possible to discuss your situation. Any available arrangements depend on your agreement and account circumstances.

Review the loan amount, amount to be disbursed, interest, any service or other charges, repayment period and total amount due. Check any conditions relating to late or early repayment. If you do not understand a charge, ask support to explain it before you accept.

Your offer depends on the product terms and your individual assessment. Do not assume that another customer’s amount, rate or repayment period applies to your account. The offer presented to you in the app is the relevant information to review.

Compare the charge with the offer and agreement you accepted. Contact support for a breakdown and clarification if it does not match your understanding. Do not send money in response to an unsolicited message claiming that a fee will guarantee loan approval.

As explained in our Privacy Policy, data categories include approximate location, device technical information, filtered financial SMS messages and emergency contact details entered by you. The policy describes the purposes for collecting and using this information, including credit assessment and fraud prevention.

We do not scan, scrape or back up your native phone contact list. Any alternative numbers or emergency contacts are entered manually by you in the app. Obtain the individuals’ consent before providing their details.

The SMS processing described in our Privacy Policy is limited to financial messages, such as bank transaction alerts and repayment notices. Personal conversations, OTP codes and unrelated texts are bypassed. The policy also states that SMS data is not traded or shared.

Our Privacy Policy describes HTTPS/SSL protection for information transmitted to our servers and encryption for stored data. Help protect your account by keeping your login details private and never sharing passwords, one-time codes or bank PINs.

Contact our data protection team at phillemonwanjala66@gmail.com to request access or correction, raise an objection or withdraw consent. The Privacy Policy explains your rights and how withdrawing consent may affect access to services.

Select Delete account in the navigation. Enter your name and registered phone number, review the prepared email and send it to customer support. Preparing the message alone does not send a request. Support will explain any verification needed and confirm the outcome.

No. Uninstalling the app does not submit an account deletion request. Account deletion also does not cancel outstanding repayment obligations. Some financial records may need to be retained for applicable legal requirements or unresolved transactions.

Email phillemonwanjala66@gmail.com with a clear description of your issue. Include only the details needed to explain the problem. Never include your password, verification codes or bank PINs.