Whether you’re a teacher, trader, driver or office worker- you deserve a credit card that’s got your back.
Get Your Ohere Card
We check your credit and issue your card
Pay small small, or all at once
Use your card anywhere, anytime
Get a limit increase each time you pay back within 28 days
You control your repayments- no pressure, no harassment.
Pay any amount anytime
Extend your due date by 7, 14 or 21 days for a small fee
Set up AutoPay so you never miss a date
See if you prequalifyWe’ll assess your income and profile using our AI-powered credit engine quick, fair, and transparent.
Your credit score tells us how much credit you can access.
Even if you’ve never had one before — Ohere builds it for you.
Once approved, you’ll get your credit card with your
starting limit (usually ₦10,000–₦100,000). Your card works instantly —
for emergencies, daily needs, or business expenses.
We’ll assess your income and profile using our AI-powered credit engine quick, fair, and transparent.
Your credit score tells us how much credit you Even if you’ve never had one before — Ohere builds it for you.
Once approved, you’ll get your credit card with your starting limit (usually ₦10,000–₦100,000). Your card works instantly — for emergencies, daily needs, or business expenses.
Spend today and pay back within 42 days — interest-free. You can pay small small or all at once. Need more time? Extend your due date by 7, 14, or 21 days for a small fee.
Every time you pay on time, your credit score rises — and so does your card limit. After each cycle, your limit can increase by up to ₦10,000–₦50,000, depending on your income. Seven straight good cycles? You qualify for a Premium Ohere Card with higher limits.
We’ll assess your income and profile using our AI-powered credit engine quick, fair, and transparent.
Your credit score tells us how much credit you Even if you’ve never had one before — Ohere builds it for you.
Once approved, you’ll get your credit card with your starting limit (usually ₦10,000–₦100,000). Your card works instantly — for emergencies, daily needs, or business expenses.
Spend today and pay back within 42 days — interest-free. You can pay small small or all at once. Need more time? Extend your due date by 7, 14, or 21 days for a small fee.
Every time you pay on time, your credit score rises — and so does your card limit. After each cycle, your limit can increase by up to ₦10,000–₦50,000, depending on your income. Seven straight good cycles? You qualify for a Premium Ohere Card with higher limits.
We believe access to credit should build
confidence, not fear.
No matter your job- teacher, trader, driver, or office worker- Ohere is here to give you the financial freedom you deserve
Ohere Technologies Limited is a data intelligence and financial services company focused on providing credit assessment, credit reporting, credit card services and financial solutions tailored to the needs of individuals and businesses in Nigeria.
What products does Ohere offer?
Ohere offers two main financial products: 1) Credit Assessment Services - Generate comprehensive credit reports, provide personalized credit scores, and offer transparent credit analysis. 2) Credit Card Services - Customized credit limits, competitive interest rates, 28-day billing cycle with 14-day grace period, real-time transaction monitoring, and guaranteed credit options for employees and ESUSU participants.
To qualify, applicants must: • Be at least 18 years old • Be a resident of Nigeria with a valid government-issued ID • Meet our creditworthiness criteria based on a proprietary credit assessment process.
Our credit assessment includes: • Reviewing your financial data and credit history • Generating a credit score based on our proprietary model • Sharing the full report and score in the app for you to view • Sharing credit reports with authorized institutions as needed.
A credit limit is the maximum amount of money a lender allows you to borrow using a credit card or line of credit. In simple terms, it's like a spending cap. If your credit limit is 10,000 NGN, you can only spend up to that amount.
Your credit limit is assigned based on your credit score, financial history, and other factors. The limit represents the maximum amount you can borrow at any time.
When we issue you credit, the transactions you make with the money are recorded over a 28-day billing cycle, followed by a 14-day grace period where no interest is charged if you pay your balance in full.
Interest rates vary based on your credit score: • Low-Risk Borrowers (Credit Score 700-850): From 3% per month • Medium-Risk Borrowers (Credit Score 600-699): From 5% per month • High-Risk Borrowers (Credit Score 300-599): From 7% to 10% per month
Yes, some key fees include: • ATM/POS Withdrawal Fee: 20 NGN per withdrawal • Bank transfer Fee: 50 NGN (This is the government-mandated Electronic Money Transfer Levy for transfers above 10,000 NGN)
If you default: • Interest will accrue on unpaid balances • Your credit score will be negatively impacted • We may take legal action or use debt collection technology to recover unpaid amounts
Yes, you are encouraged to pay more than the minimum to reduce your interest charges and improve your credit score.
Get your Ohere Card today and experience credit with dignity
Apply Now
