Borrow together.
Grow with your cluster.
SpaceCredit turns the trust you already share with friends, family and colleagues into a powerful financial engine. Form a cluster, run loan cycles, and access capital — fairly, transparently, on your own terms.
The fairest way to access capital is together.
Banks don't know your story. SpaceCredit lets the people who do — your real network — power your loans. Every cycle is transparent, every payment is tracked, every member shares the upside.
Cluster-based lending
Form a group of 3–20 trusted members. Pool contributions, set the loan amount, and decide together how cycles run.
Automated loan cycles
Daily, weekly, or monthly cycles run themselves. FIFO disbursement, automatic reminders, clear ledgers — no spreadsheets.
Trust scores that travel
Every on-time repayment builds your Cluster Trust score — unlocking larger loans, lower rates, and faster cycles.
Instant disbursement
Loans land in member bank accounts within minutes. Repayments auto-debit on schedule. No paperwork, no waiting.
Manager controls
Cluster managers approve members, configure cycles, and resolve disputes — with full visibility for every member.
Built for Nigeria
Naira-first. NDPR-compliant. BVN-verified. Works with every Nigerian bank and supports daily-cash flows your business actually has.
From invite to disbursement in 3 steps.
Form your cluster
Create a cluster, invite members with a code or QR, and configure loan size, interest, and cycle frequency.
Run a loan cycle
Members contribute, loans disburse on FIFO order, and repayments auto-collect. The app handles the math.
Build trust, scale up
Every completed cycle raises your Cluster Trust. Unlock bigger loans, more frequent cycles, and SpaceCredit-backed top-ups.
One dashboard for every cluster you're in.
See your balance, active cycles, repayments due, and earnings — all in one home view. No hunting through chats, no chasing receipts.
- Live balance and earned interest
- All clusters and cycles at a glance
- Today's repayments — pay with one tap
- Setup checklist guides you to first cycle
Run your group like a co-op, not a chat thread.
Manage members, approve invites, and configure loan cycles from a single screen. Share invite links and QR codes that auto-onboard new members.
- Invite by code, link, or QR
- Approve or pause members instantly
- Set loan amount, interest, and frequency
- FIFO or rotating disbursement models
Designed for the real flow of group money.
Every screen is built around how Nigerian clusters actually save, lend, and repay — not bank jargon.
Your money stays yours. Period.
SpaceCredit is built to bank-grade standards — and audited like one. We never touch funds without your authorisation, and we never share your data without your consent.
Bank-grade encryption
All data — at rest and in transit — is encrypted with AES-256 and TLS 1.3.
NDPR-compliant
Your data rights are protected under the Nigeria Data Protection Regulation. Always.
BVN-verified members
Every member is verified — so the trust your cluster runs on is real.
What our members say.
"I run a small fabrics shop. SpaceCredit lets my market women's group lend to each other without WhatsApp wahala. Game changer."
"Got my first ₦200k loan from my cooperative cluster in under 5 minutes. Repayment is automatic. No stress."
"Finally a financial app that gets how Nigerian groups actually save together. The trust score is brilliant."
Frequently asked.
Is SpaceCredit a bank?
No. SpaceCredit is a technology platform that helps groups of trusted people pool, lend, and repay money to each other. We partner with licensed financial institutions for payments and BVN verification.
How big can a cluster be?
Clusters can have 3 to 20 members. Most successful clusters start with 5–10 members who already know and trust each other.
What if a member doesn't repay?
The cluster manager and members are notified immediately. Reminders auto-send, and the member's Cluster Trust drops. In-cluster dispute tools help your group reach a resolution. Cluster funds are protected by joint pool rules.
Are my deposits safe?
Yes. All funds are held with our licensed banking partner in segregated, regulated accounts. SpaceCredit never holds member funds directly.
How much does it cost?
The personal plan is free. Clusters pay a small per-cycle fee — see Pricing for the details.
Which banks do you support?
All Nigerian banks. We use NIBSS rails so disbursements and repayments work with every account in the country.
Download SpaceCredit. Invite your circle.
It takes 90 seconds to sign up — and your first cycle can run the same day.