OPay Credit Me Loan – 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

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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? How do I use credit 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 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

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.
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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.

Repaying your OPay Credit Me Loan is a crucial step to maintaining a positive financial record and ensuring future access to credit. Here’s a step-by-step guide on how to repay your loan:

  1. Open OPay App:
    • Launch the OPay app on your device and log in to your account.
  2. Navigate to CreditMe Section:
    • Find the CreditMe section within the app. This is where you can view your outstanding loan balance.
  3. Select Repayment Option:
    • Choose the repayment option that suits you best. OPay typically offers various repayment methods, including bank transfers, card payments, and other electronic payment options.
  4. Follow Payment Instructions:
    • Follow the instructions provided on the app to complete the repayment process. This may involve entering your card details, confirming the repayment amount, and authorizing the transaction.
  5. Receive Confirmation:
    • Once the repayment is successful, you’ll receive a confirmation notification. It’s advisable to keep a record of this confirmation for your reference.
  6. Review Repayment History:
    • Periodically check your repayment history within the app to stay updated on your loan status and ensure there are no discrepancies.

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.

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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 the 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.

FAQs about OPay Credit Me Loan

Can I apply for OPay Credit Me Loan if I have existing loans with other providers?

Yes, you can apply for OPay Credit Me Loan even if you have existing loans. However, it’s essential to consider your overall financial obligations and repayment capacity.

What happens if I miss a repayment?

Missing a repayment may result in additional fees and affect your credit score. It’s crucial to contact OPay’s customer support if you anticipate difficulties in repaying on time.

Is there a limit to the loan amount I can request?

The loan amount you can request depends on various factors, including your creditworthiness and financial history. OPay may provide different loan amounts based on individual profiles.


In conclusion, OPay Credit Me Loan is a convenient financial solution with fast transactions, incentives, and a user-friendly interface. By following the steps outlined in this guide, you can easily apply for and repay OPay Credit Me Loan, ensuring a seamless borrowing experience. Remember to review the terms and conditions, stay informed about your repayment obligations, and reach out to OPay’s customer support for assistance when needed. Empower yourself financially with the OPay Credit Me Loan and take control of your monetary needs.

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.