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.

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 Use CreditMe on OPay?

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.

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

Below is the step-by-step procedure to access the OPay Credit Me loan 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 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.

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

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


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