Built for the way Nigerians already save.
From ajo to esusu, Nigerians have always used trusted circles to fund their biggest moments. SpaceCredit gives that trust a modern home — your circle sets the order, and SpaceCredit funds the loans.
Make capital fair, fast, and rooted in real relationships.
For too long, access to credit in Nigeria has meant either a slow, opaque bank process — or shadowy lenders with predatory rates. We believe there's a better way: the way our grandmothers did it.
SpaceCredit is the digital home for group-powered lending. We don't replace your circle — we amplify it. We give it structure, transparency, and rails so it can scale.
What we stand for.
Fairness first
Every member sees every transaction. No hidden fees, no surprise charges, no special favours.
Trust is the asset
The relationships your cluster brings are more valuable than any credit score. We protect them fiercely.
Built here, for here
Naira-first. Daily-cash flows. NIBSS rails. We build for the way money actually moves in Nigeria.
Security as default
Bank-grade by design. NDPR-compliant by law. Audited regularly. No shortcuts.
Speed matters
If a loan can't reach a member when they need it, it might as well not exist. We move fast.
Members own it
Your cluster, your rules. We provide the platform — the cluster makes the calls.
Join the movement.
Be part of the shift toward fairer, faster, more human credit.
