August 16, 2023


This is a non-bank finance organization with its headquarters in Lagos, Nigeria. It was established in the year 2007 and its focus is on providing payroll based consumer loans to eligible individuals. It prides itself with provision of quick turnaround loans for all within 12 hours with little documentation and top of the range customer service and efficient operational processes.

Sharp Sharp Loans

A flagship product of Credit Direct Limited that is there to provide unsecured loans to civil servants in Nigeria with little documentation.

The loan is for salaried workers and non-salaried entrepreneurs. Upon the submission of complete documentation the loan is disbursed within 24hrs. The repayment period is between 1 and 12 months. He loan is disbursed to you through direct credit to bank account or via CDL cash card. It has life and hospitalization insurance for all customers.

The requirements are; a completed loan agreement form and attached passport photo, a letter of introduction and employment or confirmation letter, guarantor submissions i.e., proof of earnings and postdated cheques, a valid ID, work ID and bank statements.

Cash to Go Loans

A service availed to the upwardly mobile and professional segment of the market in order to meet their ever growing needs by providing a bespoke product that avails quick loans with ease of access.

You can access up to N1 million or more. 12 months of repayment plan. No guarantors are required. The requirements are; a passport picture, staff ID card, employment letter and the last salary review letter, a valid ID card, 3 months of stamped bank statements, pension statement, postdated cheques covering the loan and BV number.

Quick Asset Finance

This is a unique asset financing model for financing white goods, income generating assets and household equipment. The repayments periods available are 3, 6, 9 and 12 months. You can pick up the asset within 24 hours of submission of completed documentation. This loan is open to both private and public sector organizations. Purchases of the assets are at CDL accredited vendors with warranties and active after sale services.

The requirements are; a completed loan agreement form and attached passport photo, letter of introduction, appointment letter, confirmation letter, staff ID and your valid ID, 3 months consecutive pay slips and bank statements and CDL introduction letter.

Empower the Corp Loans

A platform for serving corps members to access unsecured loans during their service year for varied reasons.

For this no collateral or guarantor is needed. No extra charges. Seamless application online i.e., reduced documentation as validation of customer is done in partnership with NYSC. The repayments are equal throughout the facility life. Include free life and hospitalization insurance cover throughout the duration of the loan. The loan is disbursed within 24hrs. It is completely done online.

The requirements are; photo of NYSC identity card, photo of attestation letter from SAED, photo of Corps member wearing full NYSC regalia, photo of a valid ATM card of corps members NYSC account and photo of completed letter of undertaking clearly signed and dated by corps member.

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