Credit Wise Login With Phone Number, Email, Online Portal, Website

Credit Wise has a convenient and secure login process for its customers, allowing them to access their accounts using various methods such as phone number, email, online portal, and website. In this comprehensive guide, we’ll explore the steps involved in Credit Wise login through different channels.

Credit Wise Login With Phone Number

Credit Wise has embraced the simplicity and security of logging in with a phone number. This method is designed for quick access to your account, making the entire process straightforward. Follow these steps to log in using your phone number:

  • Open The Credit Wise App: Start by opening the Credit Wise app, the exclusive platform for accessing your account.
  • Tap The Login Button: Look for the login button and tap on it. This action will prompt a new display.
  • Fill In Your Phone Number: In the displayed space, enter the phone number associated with your Credit Wise account. This should be the number used during the registration process.
  • Input The OTP: After entering your phone number, an OTP (One-Time Password) will be sent to you for verification. Enter this code correctly to validate your identity.
  • Successful Entry: Once you’ve completed all steps accurately, you’ll gain access to your Credit Wise account. Any discrepancies in the provided details will result in denied entry.

This streamlined process ensures a quick and secure login experience for users.

Credit Wise Login With Email 

Contrary to phone number login, Credit Wise does not currently support login via email address on the app. However, users can reach out to Credit Wise customer service representatives via email for assistance.

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Credit Wise Login Through Website 

Credit Wise extends its services through an official website, allowing users to explore features, loan offerings, and related details. To access the login portal on the website, follow these steps:

  • Visit the official website:
  • Click on the “Apply Now” button in the header’s right corner.
  • Alternatively, hover over the “login or register” button to reveal an embedded form.
  • Input your credentials in the form to log into your Credit Wise account.
  • This method provides users with the flexibility to access their accounts without relying solely on the app.

Credit Wise Login With Online Portal 

For users who prefer a dedicated online portal, Credit Wise offers a specific login portal. Access this portal by visiting Here, you’ll be required to enter your username and password to gain entry into your Credit Wise account.

Troubleshooting: What To Do If You Can’t Access Your Creditwise Account

If, after following the steps outlined above, you find yourself unable to access your Creditwise account, consider the following:

  • Double-Check Information: Ensure that the phone number entered during the login process is associated with your Creditwise account. Any discrepancies may result in login issues.
  • Network Connection: Verify that your smartphone has a stable internet connection. Poor connectivity may impede the delivery of the OTP or cause login delays.
  • App Updates: Check for updates to the Creditwise app. Outdated versions may have bugs that could affect the login process.
  • Contact Customer Support: If all else fails, contact Creditwise customer support for assistance. They can guide you in resolving login issues and ensuring a smooth user experience.


Is CreditWise a legit loan app?

Yes, CreditWise is considered a reliable and trustworthy loan app. Testimonials, such as the one from Nwaugo Vivian Chikaodi, highlight positive experiences, emphasizing the app’s reliability, trustworthiness, and commitment to helping businesswomen. The feedback indicates that CreditWise is contributing positively to the growth of businesses through its financial assistance.

What is the interest rate for CreditWise loans?

CreditWise offers loans with annual interest rates ranging from 12% to 20%. For example, if you choose a loan amount of ₦5,000 with a term of 180 days, the total interest would be ₦5,000 * 12% = ₦600. The total repayment amount, including interest, would then be ₦5,600.

How can I check my credit score as a Nigerian?

Nigerians can check their credit score by utilizing the USSD code 5658# on their mobile phones. This code provides instant credit reports from the CRC Credit Bureau. Additionally, every Nigerian is entitled to one free credit report annually from any registered Nigerian Credit Bureau.

What are the banned loan apps in Nigeria?

The Nigerian government has delisted 37 illegal loan apps. Some of them include Swiftkash App, Hen Credit Loan App, Cash Door App, Joy Cash-Loan Up To 1,000,000 App, Eaglecash App, Luckyloan Personal Loan App, Getloan App, and Easeloan Apps.

How do I become CreditWise?

To become CreditWise, follow these credit-wise tips:

  • Do not ignore your debt: Acknowledge and address your debts responsibly.
  • Prioritize and pay your debt: Arrange and settle debts systematically.
  • Avoid borrowing to pay off debt: Seek sustainable solutions for debt repayment.
  • Cut down on your expenses: Budget wisely and reduce unnecessary spending.
  • Never skip repayments when under debt review: Maintain a consistent repayment schedule.
  • Prioritize your home loan: Fulfill obligations related to your home loan promptly.
  • Always act on a letter of demand: Respond promptly to official communication.
  • Approach credit providers when you cannot pay your debt: Communicate openly with creditors in case of financial difficulties.

How Do I Know if an Online Loan Is Legit

To determine the legitimacy of an online loan, read reviews from other borrowers, check Better Business Bureau (BBB) reports, and explore official ratings. Genuine lenders have positive reviews and transparent terms. Exercise caution if there are numerous complaints about hidden fees or unprofessional conduct.

Can Loan App Access My Contacts if Uninstalled?

To prevent a loan app from accessing your contacts, navigate to your Android phone’s settings, select “app & notifications,” find app permissions, and deny access to contacts, SMS, photo gallery, and storage. Once denied, the app won’t reach out to your contacts or access your pictures, even if uninstalled.


The online portal and website login methods offer alternative pathways, catering to users who prefer accessing their accounts without relying on the app. Whether through the dedicated online portal or the official website, Credit Wise ensures a range of options to suit diverse user preferences, fostering a user-friendly and secure financial management experience.

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