The Nigerian Consumer Credit Corporation (CREDICORP) has launched the C.L.I.C.K.D. programme, offering eligible Nigerians access to consumer credit of up to N1 million to purchase laptops, smartphones, tablets, and other digital devices. The initiative, formally named the Credit for Laptops, Internet, Connectivity and Knowledge Devices programme, is designed to help students, freelancers, entrepreneurs, and digital workers overcome the high upfront cost of reliable technology.
What the C.L.I.C.K.D. Programme Offers
C.L.I.C.K.D. is CREDICORP's flagship digital-device financing initiative. Unlike a cash loan, it focuses on providing specific devices needed for education, employment, entrepreneurship, and participation in Nigeria's expanding digital economy. Beneficiaries can acquire smartphones, laptops, tablets, connectivity equipment, and digital-learning tools through structured repayment plans.
For example, a laptop could enable a student to complete online courses, while a smartphone might help a small-business owner receive payments, promote products, and communicate with customers. Freelancers and remote workers can also use the devices to pursue income opportunities online.
Reports indicate that applicants may access financing of up to N1 million, subject to eligibility and conditions set by participating lenders. However, CREDICORP's official programme page does not currently state a universal N1 million limit, interest rate, or repayment period. Applicants are advised to confirm final terms with their selected financial institution.
Eligibility and the 3MTT Partnership
The programme targets economically active Nigerians who require digital tools for work, learning, or business. Its first national pilot is being implemented in partnership with the Federal Government's 3 Million Technical Talent (3MTT) programme under the Ministry of Communications, Innovation and Digital Economy.
Under the pilot, eligible 3MTT fellows can obtain laptops and other work-ready devices on credit. The initial phase involves 1,000 locally assembled laptops, with plans to expand as more lenders, manufacturers, and technology vendors join the initiative.
Submitting an expression of interest does not guarantee approval. Each application is assessed according to the lending institution's credit requirements.
Step-by-Step Application Process
Interested applicants can begin with the following steps:
- Visit the official CREDICORP C.L.I.C.K.D. portal.
- Click the “I'm Interested” button.
- Complete the expression-of-interest form with accurate personal and employment information.
- Explore available credit options and choose a participating financial institution.
- Submit required documents for assessment.
- If approved, select an eligible device and review repayment terms before accepting the offer.
CREDICORP states that its broader credit process requires applicants to choose a participating lender, submit an application, and receive approval before accessing credit.
Understanding Repayment and Responsibilities
C.L.I.C.K.D. is not a grant, free-device giveaway, or N1 million cash payment. Beneficiaries receive approved devices on credit and must repay according to the lender's terms.
Before accepting an offer, applicants should check the interest rate, monthly instalment, total repayment amount, applicable fees, and consequences of late payment. Successful repayment may strengthen a beneficiary's credit history, while missed payments could damage it.
The scheme offers a potentially valuable bridge into the digital economy, but applicants must borrow responsibly and select devices they can comfortably repay. The programme's success will depend on participants' ability to manage their repayment obligations while benefiting from the digital tools provided.
