EASY LOANS
BETTER LIFE
Get the financial support you need with TENN Credit Loans.
Apply on the TENN Credit App and get a decision in seconds.
Personal Expenses
Life comes with unexpected costs—rent, a new baby, or emergencies. TENN Credit gives you quick loans to handle it all with ease.
Big Purchases
Whether it's a new smartphone, a fridge for your home, or a trip to your dream destination, TENN Credit Loan can help you make it happen.
Education Expenses
Cover school fees and learning costs with a quick, flexible loan from TENN Credit, you can focus on the future.
Pay Off Debt
Combine your debts with a fixed interest rate and easy repayments, no extra charges or penalties keep more money for what matters.
Get a TENN Credit Loan in 3 Simple Steps
Step 1
Download the app and register.
Download the TENN Credit app from the App Store / Google Store and register a TENN Credit account.
Step 2
Get the loan amount in seconds.
Apply the loan, once approved, we’ll show you the loanable amount in seconds.
Step 3
Get a decision in seconds at most when you apply.
Enter some info about yourself and tell us the amount you’d like to borrow, select a payment option, you'll get a decision in seconds at most.
Your Privacy, Our Priority
We value your trust. Your personal and financial information is safeguarded with the highest level of protection.
Advanced Security, Hassle Free Borrowing
TENN Credit keeps your financial safe with bank-level encryption and AI-powered security.
Our Team, Your Support
Our support team is available 24/7 on phone and live chat for loans, repayment, and any questions.
Know About TENN
TENN makes banking easy with secure, fast, and accessible digital services for all Nigerians.
TENN Credit FAQs
What is TENN Credit?
TENN Credit is a digital lending service operated by TENN Microfinance Bank (MFB), providing instant loans ranging from ₦2,000 to ₦500,000 with a fully online process.
How do I download the app?
Current: Available on Google Play (play.google.com/store/apps/tenncredit).
Coming soon: App Store version.
Alternative: Scan QR code at http://www.tenncredit.com
What are the registration steps?
Enter mobile number and verify via OTP, set login password.
Complete KYC Process:
Submit ID verification (National ID/Driver’s License).
Complete Leibniz Liveness Detection (Face scan).
Provide personal/job/household information.
Why is liveness detection required?
Mandated by CBN KYC Directive BSD/DIR/AML/2024 to prevent identity fraud. All data is encrypted and stored exclusively in TENN MFB’s secure servers.
How do I apply for a loan?
After KYC approval, check your credit limit on the app homepage.
Enter loan amount (₦2,000-₦500,000).
Select tenure: 14 days or 30 days.
Choose disbursement method: TENN MFB Account: Funds arrive in ≤1 minute.
Personal Bank Account: Processing time depends on recipient bank.
What is the fund transfer timeline?
TENN MFB Account: ≤1 minute (real-time transfer).
Other Bank Accounts: 5 minutes to 24 hours (delays possible during bank maintenance).
How is my credit limit determined?
Your limit is calculated based on:
Credit history (via CRC Credit Bureau).
Income stability (verified employment data).
Repayment behavior (timely repayments increase limits).
How can I increase my credit limit?
Fill in real "Personal Information" in the profile.
Maintain good repayment behaviors to automatically trigger a loan limit review.
How do I repay loans?
Go to Repayment page → Select outstanding order.
Choose method:TENN-App Payment: TENN account balance.
Bank Transfer: Use designated account (Payment confirmation within 5 minutes) auto-debit are under development.
Notice: No support for extended repayment or installment payment options.
How do I add bank accounts?
Method 1: Account → Add Bank Account.
Method 2: During loan application → "Add other bank" option.
Verification: System cross-checks name consistency with BVN records.
How is my data protected?
Compliance with NDPR 2019 includes:
SMS/contact access strictly for:
a) Anti-fraud (CBN BSD/ANT/FRD/2024)
b) Income verification
AES-256 encryption
Zero data sharing with third parties
Regulatory Compliance
What are your collection policies?
Per FCCPC Guidelines 2023:
No calls before 8AM or after 7PM.
No debt disclosure to relatives/employers.
Legal action only after 60+ days overdue.
What if my application is rejected?
Common reasons:
BVN information mismatch.
Incomplete KYC documentation.
Existing unpaid loans.
Solution: Reapply after 30 days with updated documents.
How do I contact customer service?
Email: [email protected]
Hours: 8AM-6PM (Mon-Sat)
