OPay Credit Me Loan 2022 – How To Use & How To Repay Opay Credit Me?

What is OPay credit me loan? Since the outbreak in Nigeria, OPay has brought freedom and convenience through an unparalleled mobile money service. Their apps on iOS and Android made it extremely easy to pay bills, transfer money, top-up calling credit, etc.

What is an Opay CreditMe Loan?

Opay Credit Me loan is a recently launched instant overdraft solution that is made available to any OPay user for the sole purpose of completing open transactions when the original OPay wallet is underfunded. This service is operated by Blue Ridge Microfinance Bank Limited. Find out here how to access CreditMe and also repay the loan.

We all agree that sometimes the money in our OPay wallets is not enough to handle online purchases and bills, creating situations that can lead to embarrassment.

All you need to do is log into the OPay app and use the CreditMe option. Below are all the details you need to know about OPay CreditMe.

How does Opay Credit Me work?

How does Opay Credit Me work? CreditMe on Opay is a recently launched instant overdraft solution made available to each OPay user solely to complete pending transactions when the original OPay wallet has insufficient funds. This service is operated by Blue Ridge Microfinance Bank Limited.

Features of OPay Credit Me Loan

The CreditMe credit period is up to 19 days

  • No service costs
  • No collateral required
  • No paperwork
  • No guarantor needed
  • CreditMe loan is interest-free (you do not pay interest on the amount paid)
  • The maximum amount is N 100,000
  • The Opay Credit Me loan works for bills, airtime purchases, and so on.

How To Activate Opay Credit Me        

To take advantage of Opay CreditMe offers, you must become an active user of Opay. At the preliminary level, the system settles the CreditMe offer for customers according to the customer’s template

So to get started you need to open the opay app and log in, click More on the homepage and click the CreditMe icon to activate it.

You can also select the “Balance + CreditMe” option to activate the service mechanically while using opay to pay.

How To Use CreditMe on OPay – How to Use Opay Credit me?

How to use opay credit me? How do I use credit me on Opay? CreditMe makes it easy for OPay users to make payments for their cable TV subscriptions, electricity payments, etc., even if they don’t have the money in their wallets.

Many OPay users basically just do their basic OPay app transactions without exploring this CreditMe option, even if they are short on cash.

How to activate creditme on Opay

Getting a CreditMe loan is easy. This loan can help you when you are trying to make a purchase and don’t have enough money to do it. You can then access the Opay CreditMe loan and complete your transaction.

Below is the step-by-step procedure on how to activate creditme on Opay with ease.

  • Select the bills you want to pay
  • Enter the amount and your unique ID
  • Select CreditMe as the payment method (you will see your maximum available quota)
  • Agree to the CreditMe service contract
  • Pay with CreditMe
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How to transfer Opay CreditMe

You cannot transfer Opay CreditMe directly to your bank account, you need some cash in your OPay wallet to transfer Opay CreditMe to your account.

For example, if you want to transfer 5,000 nairas from creditme, you must deposit at least 1,000 nairas into your opay wallet to transfer the 5,000 nairas from your creditme balance.

So click “Transfer” and then select Opay Wallet Balance + OPay CreditMe.

How to withdraw from Opay Credit Me.

To withdraw funds from opay you need to credit me to your account and you need to have around 1,000 nairas in your opay wallet. Then follow this guideline;

  • Open the Opay app and log in.
  • Click Credit.
  • Then click “Withdraw” and choose the bank you want to transfer the money to.

If you have around 1,000 nairas in your wallet, your loan withdrawal request will be approved instantly and the funds will be sent to your account number.

However, if your wallet is zero nairas, the withdrawal request will be declined. So make sure you have at least 1,000 nairas in your wallet.

How to Repay Opay CreditMe Loan

Many users have already figured out how to apply for CreditMe loans from OPay but haven’t figured out how to repay those loans.

It is important to note that if you do not repay the loan within the specified 7-day period, your access to additional OPay CreditMe loans will be automatically blocked.

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Below is a step-by-step guide to making CreditMe loan repayments easy, and interest-free.

  • Open your OPay app
  • Click on CreditMe
  • Select the “Refund” option
  • Submit

Opay Credit Me Regulations

Opay Credit Me Regulations Service offers you the following services:

Credit Me Consumption Service, meaning you may use your Credit Me amount for consumption, including but not limited to purchasing products and paying for services. Credit Me transfer service, You can use part of your Credit Me amount when you transfer money to your counterparts through consumption or other interpersonal relationship scenes.

Credit Me Withdrawal Service, which means you have the right to withdraw some or all of the CreditMe amount from your account for your personal use.

You may select one or more features of Opay credit me Services in certain usage scenarios, as appropriate, where such Services are available to you. You fully understand that the above Services may be added/changed/canceled from time to time at our independent discretion.

The specific rules of the above services are displayed on Opay platform and will update you from time to time. You understand and acknowledge that some of the Services may be provided by our affiliates, subcontractors, agents, suppliers, or other entities authorized by Opay.

You fully understand that the use of the above services depends on the balance of your designated OPay Account. Please see our policies on our platform for full details.


The Opay CreditMe service is super cool and helpful. However, it only looks like a loan is not. Make sure to make regular transactions on your Opay account and pay for it CreditMe back soon.

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