How to Apply for FG Laptop & Smartphone Credit Scheme (2026)
The Federal Government of Nigeria, through the Nigerian Consumer Credit Corporation (CREDICORP), has introduced the C.L.I.C.K.D. Consumer Credit Scheme to help Nigerians access laptops, smartphones, tablets, internet devices, and other digital tools without paying the full cost upfront.
The initiative is designed to make technology more affordable by allowing eligible Nigerians to obtain productivity devices through flexible consumer credit provided by participating financial institutions.
Whether you are a student, job seeker, entrepreneur, freelancer, remote worker, civil servant, or participant in a digital skills programme like 3MTT, this scheme could help you acquire the digital devices needed for work, learning, and business.
In this guide, you'll learn everything you need to know about the FG Laptop & Smartphone Credit Scheme, including eligibility requirements, available devices, how to apply, repayment information, participating institutions, and frequently asked questions.
- Programme: C.L.I.C.K.D. (Credit for Laptops, Internet, Connectivity & Knowledge Devices)
- Managed by: Nigerian Consumer Credit Corporation (CREDICORP)
- Sponsor: Federal Government of Nigeria
- Application: Ongoing
- Application Fee: FREE
- Official C.L.I.C.K.D. Page: https://www.credicorp.ng/clickd
- Official CREDICORP Website: https://www.credicorp.ng
What Is the FG C.L.I.C.K.D. Consumer Credit Scheme?
C.L.I.C.K.D., which stands for Credit for Laptops, Internet, Connectivity & Knowledge Devices, is a flagship initiative of CREDICORP created to improve access to digital devices for Nigerians.
Instead of paying the full purchase price immediately, eligible beneficiaries can obtain approved devices through structured repayment plans offered by participating financial institutions. The goal is to reduce the financial barrier to owning essential digital tools while helping beneficiaries build a positive credit history. 0
Objectives of the Programme
The initiative supports Nigeria's digital economy by helping more citizens access the tools they need to:
- Learn new digital skills.
- Apply for remote jobs.
- Work as freelancers.
- Run online businesses.
- Participate in digital learning programmes.
- Improve productivity at work or school.
The first national pilot is being implemented in partnership with the Federal Government's 3 Million Technical Talent (3MTT) programme, with plans for wider access through partner financial institutions. 1
Devices Covered Under the Scheme
Depending on availability and participating lenders, applicants may access financing for:
- Laptops
- Smartphones
- Tablets
- Internet and connectivity devices
- Digital learning equipment
Available devices may vary depending on the participating financial institution and approved vendors. 2
Official Portal
You can learn more about the programme and express your interest through the official C.L.I.C.K.D. page:
C.L.I.C.K.D.:
https://www.credicorp.ng/clickd
You can also explore available credit options and participating financial institutions through CREDICORP:
CREDICORP:
https://www.credicorp.ng
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In the next section, we'll explain who is eligible, the requirements, participating financial institutions, and provide a step-by-step guide on how to apply successfully.
Who Can Apply for the FG Laptop & Smartphone Credit Scheme?
The C.L.I.C.K.D. programme is designed to support economically active Nigerians who need digital devices for work, learning, or business.
The current national pilot focuses on participants in the Federal Government's 3 Million Technical Talent (3MTT) programme, with expansion planned through participating financial institutions and other eligible Nigerians over time. 0
You may be eligible if you are:
- A Nigerian citizen.
- Economically active with a verifiable source of income.
- A salary earner (public or private sector) or an eligible self-employed individual.
- A participant in the 3MTT programme (for the current pilot).
- Able to meet the credit assessment requirements of the participating financial institution.
Requirements
While requirements may differ slightly depending on the participating lender, applicants should prepare the following:
- National Identification Number (NIN).
- Bank Verification Number (BVN).
- A valid means of identification.
- An active phone number and email address.
- A Nigerian bank account.
- Proof of income or another acceptable means of repayment where required.
Each participating financial institution carries out its own credit assessment before approving financing. 1
How to Apply
- Visit the official C.L.I.C.K.D. page:
https://www.credicorp.ng/clickd - Click "I'm Interested" or follow the application instructions provided.
- Select a participating financial institution (PFI) that best suits your needs.
- Complete the required application and identity verification.
- Provide any requested documents.
- Wait for your credit assessment and approval.
- If approved, complete the financing agreement and receive your approved device through the programme.
You can also explore participating lenders through the official CREDICORP credit portal:
https://www.credicorp.ng/credit 2
Participating Financial Institutions
CREDICORP works with several Partner Financial Institutions (PFIs). Some of the participating organisations include:
- Credit Direct
- Accion Microfinance Bank
- Ecobank Nigeria
- Optimus Bank
- Wema Bank
- Letshego MFB
- Page Financials
- Fast Credit Finance Company
- Abbey Mortgage Bank
- Other approved partners
The full and updated list is available on the official CREDICORP website. 3
Repayment
This is not a grant. Devices obtained through the programme are financed through consumer credit and must be repaid according to the agreed repayment schedule.
Repayment terms vary depending on the financial institution, the approved device, and the applicant's credit profile. Some partner institutions offer repayment periods of up to 24 months, while others provide different repayment options. 4
Frequently Asked Questions (FAQs)
1. Is the FG Laptop & Smartphone Credit Scheme free?
No. The scheme is not a grant. It is a consumer credit programme that allows eligible Nigerians to obtain digital devices and repay in instalments over an agreed period.
2. Who manages the programme?
The programme is managed by the Nigerian Consumer Credit Corporation (CREDICORP), an agency established by the Federal Government to expand responsible consumer credit across Nigeria.
3. Can students apply?
Eligibility depends on the participating financial institution's credit assessment. The current pilot prioritises participants in the Federal Government's 3MTT programme, but the initiative is expected to expand to more Nigerians over time.
4. Can self-employed Nigerians apply?
Yes. Self-employed individuals, freelancers, entrepreneurs and salary earners may be considered, provided they satisfy the requirements of the participating lender.
5. Which devices can I obtain?
Depending on the participating financial institution and available vendors, applicants may obtain:
- Laptops
- Smartphones
- Tablets
- Internet devices
- Other approved digital learning equipment
Benefits of the Programme
- Access quality digital devices without paying the full amount upfront.
- Flexible repayment options.
- Opportunity to build a positive credit history.
- Support for education, remote work and digital entrepreneurship.
- Improved access to technology for Nigerians.
Common Mistakes to Avoid
To improve your chances of approval, avoid these mistakes:
- Providing incorrect personal information.
- Submitting incomplete applications.
- Using unofficial websites.
- Ignoring instructions from participating financial institutions.
- Failing to meet repayment obligations on previous loans.
- Paying fraudsters who promise guaranteed approval.
Read also:
10 Government Recruitment Mistakes Nigerians Make
Scam Warning
⚠ Important Notice
- CREDICORP does not appoint agents to collect application fees.
- Never pay anyone to obtain approval.
- Use only the official CREDICORP website.
- Protect your NIN, BVN and banking information.
- Verify every communication before sharing personal details.
Final Thoughts
The FG C.L.I.C.K.D. Consumer Credit Scheme is an important initiative aimed at helping Nigerians gain access to laptops, smartphones and other digital devices through affordable financing.
If you're eligible, ensure you submit accurate information, follow the official application process and deal only with approved participating financial institutions.
As the programme expands, more Nigerians are expected to benefit from improved access to technology that supports education, employment, freelancing and business growth.
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Disclaimer
Inside Tips Jobs is an independent career and education information platform. We are not affiliated with CREDICORP, the Federal Government of Nigeria, or any participating financial institution. We do not process applications, approve loans, or collect fees on behalf of the programme.
Applicants should always verify information and apply only through the official CREDICORP website: https://www.credicorp.ng.
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