OPay, since their breakout in Nigeria, has been bringing freedom and ease through unmatched mobile money service. Through their apps on iOS and Android, payment of bills, money transfers, airtime recharge, and so on, have been made extremely easy.
CreditMe on Opay is a recently-launched instant overdraft solution issued to every OPay user for the sole purpose of completing pending transactions whenever the original OPay wallet is not sufficiently funded. This service is powered by Blue Ridge Microfinance Bank Limited. Learn how to access CreditMe and also repay the loan here.
We will all agree that sometimes the balances in our OPay wallets are just not enough to cater for online purchases and bills at hand, creating situations that could 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 CreditMe
- The CreditMe loan duration is 7 days maximum
- No service fee
- No collateral required
- No paperwork
- No guarantor required
- CreditMe loan is interest-free (you do not pay any interest on the disbursed amount)
- Maximum amount is N100,000
- The CreditMe loan works for bills payments, airtime purchases, and so on.
How to Get OPay CreditMe Loan
With CreditMe, OPay users can conveniently make payments for their cable TV subscriptions, electricity payments, etc even when they do not have the money in their wallet.
Many OPay users actually just do their basic transactions of the OPay App without exploring this CreditMe option, even when they are low on cash.
Below is the step-by-step procedure to access the OPay CreditMe loan with ease.
- Choose the bills you intend to pay
- Enter amount and your unique ID
- Choose CreditMe as your payment method (you’ll see your maximum accessible quota)
- Agree to CreditMe Service Agreement
- Pay with CreditMe
How to RePay CreditMe Loan on OPay
Many users who already have discovered how to request CreditMe loans from OPay but have not figured out how to repay these loans.
It is important to note that failure to repay the loan back in the stipulated 7-day time automatically blocks your access to further CreditMe loans.
Below is a step-by-step guide to repay CreditMe loans with ease and without interest.
- Open your OPay App
- Click CreditMe
- Choose ‘Payback Loan’ option