Why we Exist

94% of Nigerians have no access to credit

Our Vision

To transition Nigeria into a true credit economy

A country where being creditworthy isn’t reserved for the rich or connected- but for every teacher, trader, driver, and office worker who works hard every day.

Our Mission

A credit card for every working Nigerian

We’re building a simple system that lets you spend when you need to, and pay back when you have it — with respect and trust.

Our Business Model

How do we provide financial security to working Nigerians, like us- without ripping them off or violating their dignity- while still doing it sustainably

We answered that with Ohere a credit system
that rewards honesty, not fear.
Profit with Purpose
Fair credit. Real people. Honest business.

Simple. Flexible. Fair

No hidden fees. No penalties. Just freedom.

Pay your way

Pay small small, or all at once

Spend easily

Use your card anywhere, anytime

Grow your trust

Get a limit increase each time you pay back within 28 days

Apply once

We check your credit and issue your card

Apply once

We check your credit and issue your card

Pay your way

Pay small small, or all at once

Spend easily

Use your card anywhere, anytime

Grow your trust

Get a limit increase each time you pay back within 28 days

We trust you first

You deserve credit that respects you
We don’t call or harass users
We give you time and trust- because we know life happens
Need more time? Extend your due date by 7, 14, or 21 days
No judgement. No embarrassment

Earn
₦1000 for every
user you onboard

We’re founders, engineers, and dreamers
who’ve lived the same struggles we’re solving.
Become an Agent

Built by everyday
Nigerians, for everyday Nigerians

Join the Ohere Team