Introducing LinkCredit Earn: A New Way to Grow Your Savings

Today marks the launch of LinkCredit Earn, our first savings and investment product. With Earn, your money works as hard as you do — with returns of up to 28% annually, flexible lock periods, and full transparency about where yields come from.

Why We Built Earn

Over the past two years, thousands of LinkCredit borrowers have asked us the same question: when will you help us save, not just borrow? Credit and savings are two sides of the same financial life. You cannot build lasting stability with only one.

Earn is our answer. It is designed for the same audience we have always served — working professionals, business owners, and households who want better options than what traditional banks offer.

How It Works

You choose a lock period that fits your goals, from 30 days to 12 months. Longer locks earn higher rates. Your funds are deployed into a diversified pool of short-term credit instruments, including the loans we originate on the lending side of the business. Returns are calculated daily and paid at maturity.

Everything is visible in the app. The rate you see is the rate you get — no tiered bonuses, no promotional rates that expire, no surprise fees.

Safety and Regulation

Earn operates within the frameworks set by the SEC and CBN for digital savings products. Funds are held in segregated accounts, and we publish our deployment policies openly. We take the same cautious, regulated approach here that we have always taken with lending.

Start Small

You can open an Earn account with as little as ₦5,000. We recommend starting small, getting comfortable with how the product works, and scaling up as your confidence grows.

Update your LinkCredit app to the latest version to access Earn today.