LinkCredit Granted FCCPC License to Operate as a Digital Lender

We are proud to announce that LinkCredit has been granted a full operating license by the Federal Competition and Consumer Protection Commission (FCCPC). This approval places us on the official register of digital money lenders authorised to operate in Nigeria.

For our team, this is more than a regulatory milestone. It is a public commitment to the standards we have held ourselves to from day one — transparent pricing, fair collection practices, and strict data privacy.

What the License Means for Borrowers

Every LinkCredit user now borrows from a lender that is answerable to a national regulator. That means clear disclosure of fees, interest rates, and repayment terms before you confirm a loan. It means a documented complaints process. And it means that the way we contact you, and the data we hold about you, is governed by rules designed to protect you.

Why We Pursued This Early

There are easier paths in the digital lending space, and some operators take them. We did not. Applying for full FCCPC registration required us to document every policy, open our processes to review, and commit publicly to the consumer protection code. We did it because trust is not something you claim — it is something you are prepared to be held accountable for.

What Comes Next

The license is a floor, not a ceiling. We will continue to publish our pricing openly, refine our collection practices with borrower input, and work with the regulator and industry peers to raise the standard for the entire sector.

If you are a LinkCredit user, thank you for trusting us before the license was in hand. If you are new, welcome — you are joining a lender that chose the harder, slower route on purpose.