Your Gateway to Financial Freedom
Build Credit. Build Wealth. Build Your Future.
Every Nigerian Deserves Access to Credit
Get your credit report, build your score, and access the credit you deserve. We're transitioning Nigeria into a credit economy, one person at a time.
As far as you're earning, you should have access to credit—no matter how small. We meet you at your level on the economic ladder and help pull you toward wealth.
The Credit Gap Crisis in Nigeria
Nigeria's financial system has left millions behind. Traditional banks focus on the already wealthy, while 120 million Nigerians live in multidimensional poverty without access to basic financial tools.
This isn't just a statistic—it's a barrier to economic growth, individual prosperity, and national development.
The Reality
- •60% of Nigerians are excluded from formal financial services
- •Small business owners can't access capital to grow
- •Young professionals can't build credit history
- •Families face financial emergencies without safety nets
- •Economic potential remains locked away
Financial Exclusion Impact
We believe this must change.
Democratizing Credit Access Through Technology
Our innovative approach makes credit accessible to every Nigerian, regardless of their current economic status.
Know Your Financial Standing
Our proprietary algorithm analyzes your financial data to generate a comprehensive credit report and score. For the first time, Nigerians can understand their creditworthiness and take steps to improve it.
Credit Cards Designed for Nigeria
Get a credit card tailored to your financial profile with transparent terms, competitive rates, and features that help you build wealth responsibly.
Empowering Through Knowledge
We don't just give you credit—we teach you how to use it wisely. Our educational resources help you build lasting financial health.
Our Core Beliefs Drive Everything We Do
We're not just building another fintech company. We're creating a movement to transform Nigeria's financial landscape.
Access to Capital is a Human Right
Every Nigerian who earns an income deserves the opportunity to access credit and build wealth. We're breaking down the barriers that have kept millions excluded from financial opportunity.
Transparency Above All
No hidden fees. No surprise charges. No complex terms designed to confuse. We believe in clear, honest communication about every aspect of our service.
Meeting People Where They Are
We don't believe in one-size-fits-all solutions. Whether you're a student, small business owner, or established professional, we create credit solutions that match your current situation and help you grow.
Technology for Good
We use cutting-edge technology not to replace human connection, but to make financial services more accessible, fair, and empowering for all Nigerians.
Your Credit Journey in 5 Simple Steps
Getting started with Ohere is quick and easy. Follow these simple steps to begin your credit journey.
Step 1: Download & Apply
Download the Ohere app on iOS, Android, or access via web. Complete your application in minutes using just your BVN for verification.
Download & Apply
Step 2: Credit Assessment
Our AI-powered system analyzes your financial data and generates your personalized credit score and comprehensive report.
Credit Assessment
Step 3: Get Approved
Receive your credit decision immediately, along with your customized credit limit based on your financial profile.
Get Approved
Step 4: Card Delivery
Your personalized Ohere credit card is manufactured and delivered directly to your address anywhere in Nigeria.
Card Delivery
Step 5: Build & Grow
Use your credit responsibly to build your credit history and unlock better financial opportunities for your future.
Build & Grow
Join Nigeria's Credit Revolution
We're currently running an exclusive pilot program with select beta users across Nigeria. This is your chance to be among the first to experience the future of credit in Nigeria while helping us perfect our platform.
Beta Program Benefits
- ✓Free credit assessment and report
- ✓Early access to credit cards
- ✓Exclusive beta user community
- ✓Direct feedback channel to our product team
- ✓Special beta user rates and terms
- ✓Priority customer support
What We're Looking For
- •Nigerians with verifiable income
- •Early adopters excited about financial innovation
- •People committed to building credit responsibly
- •Users who will provide constructive feedback
Limited Spots Available
Join now to secure your place in Nigeria's credit future.
Beta Application Form
The Power of Credit: Nigeria vs. The World
Understanding the impact of credit access on economic development and individual prosperity.
Nigeria Today
0%
Financially excluded
0B
SME financing gap ($)
0%
Average interest rates
0M
Nigerians in poverty
The Challenges:
- •Limited credit history data
- •High traditional loan interest rates (20-30%)
- •Complicated application processes
- •Exclusionary qualification requirements
Nigeria's Potential
0%
SME growth with credit
0%
Target financial inclusion
0-0%
Ohere credit APR
0M+
Target credit users
The Opportunity:
- •Reduced poverty through financial inclusion
- •Increased consumer spending power
- •Enhanced economic mobility
- •Accelerated national economic growth
Global Comparisons
United States
- •80% have credit scores
- •Average 5 credit cards per person
- •Credit fuels 70% of economy
South Korea
- •Credit transformed economy in 30 years
- •93% financial inclusion rate
- •Robust credit infrastructure
Brazil
- •Financial inclusion drove GDP growth
- •70% banking penetration
- •Similar economic challenges to Nigeria
Our Vision Impact
When every Nigerian has access to credit:
Small businesses can grow and hire
Families can weather financial storms
Young people can invest in education
National GDP increases
Your Credit Journey Lives in Your Pocket
Access your credit score, manage your card, and improve your financial knowledge anytime, anywhere with the Ohere app.
Credit Dashboard
- ✓Real-time credit score tracking
- ✓Credit history timeline
- ✓Personalized improvement tips
- ✓Financial health metrics
Available on all platforms:
Your Security is Our Priority
We implement industry-leading security measures to ensure your financial data remains protected at all times.
Data Protection
- ✓
256-bit SSL encryption
Bank-level security for all data transmission
- ✓
End-to-end data encryption
Your information is encrypted at every point
- ✓
Secure cloud infrastructure
Data stored in enterprise-grade secure facilities
- ✓
Regular security audits
Continuous monitoring for potential vulnerabilities
Regulatory Compliance
- ✓
CBN guidelines adherence
Following all Central Bank of Nigeria requirements
- ✓
Data protection law compliance
Adherence to Nigeria Data Protection Regulation
- ✓
Anti-money laundering protocols
Rigorous AML and KYC procedures
- ✓
Know Your Customer (KYC) procedures
Thorough verification to prevent fraud
Privacy Commitment
- ✓
Your data is never sold
We do not profit from your personal information
- ✓
Transparent data usage policies
Clear explanation of how your data is used
- ✓
User control over information sharing
Manage your privacy preferences at any time
- ✓
Regular privacy policy updates
Stay informed about our privacy practices
Trust Indicators
Security Certifications
Regulatory Partnerships
Insurance Coverage
Customer Protection
Your security is our top priority. We maintain the highest standards of data protection and are committed to keeping your information safe.