Credit, priced on your real life
The more you use Pady — salary, bills, savings, investments — the stronger your Pady Credit Profile gets. Unlock a revolving credit line you can draw in seconds and repay on your own schedule
Why it matters
The shortlist
- Up to ₦5M revolving limit, drawn in 60 seconds
- No collateral, no guarantor, no paperwork
- Repay early — zero penalty, ever
- Build your score with every smart money move
- Transparent, daily-rate pricing — no hidden fees
- Pause and resume repayments around your cashflow
How it works
Live in minutes, not weeks
Use Pady normally
Salary, bills, savings — every action quietly builds your Credit Profile.
Your limit, on tap
Once eligible, your limit appears in-app. No applications, no waiting.
Spend or transfer
Send the money to your wallet, a vendor or another account in seconds.
Features
Built like the rest of your stack
Revolving line
Use it, repay it, use it again — no re-applications.
Instant disbursal
Funds in your wallet in under 60 seconds.
Pady Credit Profile
A score you can see, understand and improve.
Flexible repayments
Pick weekly, bi-weekly or monthly schedules.
Limit growth
Your limit grows automatically with your behaviour.
Responsible by design
We cap exposure and pause draws when life happens.
Questions
Frequently asked
Still curious? Visit the help center.
Make more of your money
Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today