The Federal Government has introduced the C.L.I.C.K.D. (Credit Access for Light and Intelligent Computing Kits & Devices) scheme, a consumer credit initiative designed to help Nigerians purchase digital devices such as laptops, smartphones, tablets, and other technology tools through affordable repayment plans.
The programme, implemented through the Nigerian Consumer Credit Corporation (CREDICORP), aims to make essential digital devices more accessible, particularly for students, civil servants, entrepreneurs, freelancers, and professionals who depend on technology for education, work, and business.
According to the Federal Government, the initiative forms part of its broader strategy to promote digital inclusion, expand financial access, and equip more Nigerians with the tools needed to participate in the country's growing digital economy.
Rather than paying the full cost of a device upfront, eligible applicants can obtain approved devices through participating financial institutions and repay the loan over an agreed period, subject to the programme's terms and conditions.
Who Is Eligible?
To qualify for the C.L.I.C.K.D. scheme, applicants are generally expected to:
Be a Nigerian citizen with a valid means of identification.
Have a valid National Identity Number (NIN).
Meet the credit assessment requirements of participating lenders.
Demonstrate a reliable source of income or repayment capacity.
Meet any additional conditions set by participating financial institutions or employers.
Specific eligibility requirements may vary depending on the financing partner and the type of device requested.
How to Apply
Interested Nigerians can apply by following these steps:
Visit the official CREDICORP portal or any approved participating lender.
Complete the online application form.
Submit the required identification and supporting documents.
Undergo a credit assessment and verification process.
Upon approval, select an eligible digital device from participating vendors.
Receive the device and begin repayment according to the agreed repayment schedule.
Applicants are advised to carefully review the loan terms, repayment duration, and interest or service charges before accepting any financing offer.
Application Link
Interested applicants can learn more and begin the application process through the official CREDICORP website: CLICK HERE TO APPLY
The government advises Nigerians to apply only through official channels and avoid third parties requesting unofficial processing fees.
The C.L.I.C.K.D. initiative is expected to improve access to digital technology, enhance productivity, support remote work and learning, and help bridge Nigeria's digital divide.
By expanding consumer credit for technology devices, the programme also seeks to stimulate local economic activity while empowering more Nigerians to participate in the digital economy.
As implementation continues, the Federal Government says additional participating financial institutions and device vendors will be added to broaden access and ensure more citizens benefit from the initiative.